How Everything in Retirement Changes with an Annuity

Everyone knows investing comes with risk—you can lose money in stocks, bonds, or even real estate. But what if you could shift that risk to an insurance company and guarantee income for life? That’s what annuities are designed to do.

In this video, I’ll break down:
✅ The 4 types of annuities explained (income annuities, multi-year guaranteed annuities / MYGAs, fixed index annuities, and variable annuities)
✅ How annuities provide guaranteed income for life and protect against outliving your money
✅ When annuities make sense in retirement planning—and when they don’t
✅ Why the current interest rate environment makes annuities more attractive than they’ve been in over a decade
✅ A step-by-step framework for evaluating annuities as part of your retirement income strategy

00:00 Introduction - What is an Annuity?
00:45 The Foundation Effect - Psychology of Guaranteed Income
01:30 The 4 Types of Annuities Overview
02:00 Type 1: Income Annuities (The Pension Replacement)
03:15 Type 2: Multi-Year Guaranteed Annuities (MGAs)
04:00 Type 3: Fixed Index Annuities
04:45 Type 4: Variable Annuities (Why I Rarely Recommend These)
05:30 Market Timing & Interest Rate Impact
06:45 How to Value Annuities in Your Portfolio
07:30 Tax Optimization Strategies
08:15 When Annuities Make Sense - Case Studies
09:30 When Annuities Are Wrong - Common Mistakes
10:15 Decision-Making Framework & Implementation Steps
11:30 Final thoughts & Wrap-up

Whether you’re looking for retirement income planning, exploring safe investment options, or trying to understand if an annuity fits into your financial plan, this video will give you the clarity and data you need.

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DISCLAIMER: Content shared by WolfeOnWealth is for educational purposes only and should not be considered tax, legal, accounting, or investment advice. Advisory services are offered through wHealthyFP LLC, doing business as HealthyFP, an investment adviser registered with the state of Pennsylvania, and only provided to clients where we are properly registered or exempt. Investments involve risk, including possible loss of principal. No assurance can be given that any strategy will be successful. Please consult your own tax, legal, or financial professional for guidance specific to your situation.