Most people have strong opinions about annuities—yet many aren’t sure what they actually are. In this episode, Gary Garland breaks down the different types of annuities and why lumping them together often leads to confusion and costly misunderstandings. The conversation explores how annuities work, where they may fit inside a broader retirement strategy, and why some products carry more complexity and expense than others. From fixed and indexed annuities to income-focused options, this discussion focuses on tradeoffs, structure, and real‑world considerations that can shape long‑term financial decisions.

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