What if retirement isn’t about growing your money, but protecting it from running out? Michelle unpacks why annuities are making a comeback and how today’s retirees are shifting from chasing returns to prioritizing reliable income. With higher interest rates, market uncertainty, and fewer pensions, retirement planning has evolved into building a personalized paycheck. Michelle explores how annuities can create an income “floor,” why they’re a risk management tool—not a growth strategy—and where they can go wrong. It’s a conversation centered on clarity, coordination, and redefining what financial confidence looks like in retirement.

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