In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most misunderstood tools in retirement planning: annuities. From fixed to indexed to variable annuities, they walk through what each type does, how they work, and where they might fit in a retirement strategy. If you’ve ever wondered whether an annuity is right for you—or if the bad press is warranted—this episode brings clarity and balance to the conversation.Want to work with us? Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Intro: The Annuity Debate01:42 What Is an Annuity, Really?03:28 The Insurance Component Explained06:17 Why Annuities Are Misunderstood08:55 Fixed Annuities vs. CDs: Pros and Cons10:40 Fixed Indexed Annuities: How They Work13:50 The Role of Riders and Guarantees17:08 Annuity Fees and Liquidity Trade-offs20:25 When an Annuity Might Make Sense22:41 Case Study: A Real-Life Example26:00 Is an Annuity Right for You? Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.