In this episode of the Real Retirees of New Jersey, hosts Peggy and Randy Fisher discuss various aspects of retirement planning, including the importance of understanding hidden fees in investment portfolios, strategies for reducing those fees, and the role of annuities in providing a stable income during retirement. They also touch on the lighter topic of holiday gift-giving and the dynamics of choosing the right gifts for loved ones. The conversation emphasizes the need for transparency and trust in financial advising, as well as the significance of making informed decisions about retirement savings and investments.

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