In this episode of The Future of Finance, host Marissa Wood sits down with her longtime business coach and industry leader, Dee Costa, VP at Asset Marketing Systems. With over 40 years of experience in financial services, Dee shares her personal journey, insights on indexed annuities, the power of independent advisory, and key market trends affecting retirees today. Whether you're a financial advisor, retiree, or just planning your future, this conversation is packed with real stories, insider advice, and actionable financial wisdom. 👉 Learn why independence in financial advising matters and how it can profoundly impact client outcomes. ⏱ Timestamps: 0:00 - Welcome & Introduction to Dee Costa 1:00 - How Dee Got Started in Finance (EF Hutton to Universal Life) 3:15 - Lessons from Delivering a Life Insurance Check 6:00 - The Shift from Captive to Independent Advising 8:25 - Understanding Indexed Annuities & Risk-Free Growth 10:40 - Who Is Asset Marketing Systems? Their Mission & Services 13:10 - How Independent Advisors Scale with Support Teams 15:05 - Empowering Small Firms with Big Resources 17:00 - Culture of Sharing: Inside Advisor Study Groups 18:45 - Market Trends: Why Clients Want Peace of Mind Now 21:20 - Short-Term Indexed Annuities & Health Care Features 24:00 - When and Why to Reposition Outdated Annuities 26:15 - How to Contact Asset Marketing Systems for Advisors 💬 Like this episode? Leave a comment with your biggest takeaway or a question you'd love answered in a future episode. 🔗 Visit https://www.assetfmo.com to learn more. 📩 Contact Union Financial Services for a personalized review of your retirement strategy.