Today we tackle the ugly duckling of the financial industry: the hated annuity. Why ARE they so hated? Can you find a way to use an annuity effectively? We'll try our best to each come up with FIVE ways an annuity might be the right solution for your problem.

In headlines we tackle the Panama Papers and new DOL fiduciary ruling fallout. How do either of these impact your plan? We'll discuss. Also, we have a great question from Scott on the Quotacy hotline about international investing, your letters, Doug's trivia and more.

Thanks to MagnifyMoney.com and SoFi for sponsoring today's show!