In this episode of The Guard Your Savings podcast, host Doug Turnbull and Insurance Professional Dolph Janis discuss a range of topics including Dolph's unique name, his 20-year marriage, and the complexities of annuities. Dolph explains the different types of annuities, their benefits, and the importance of understanding one's risk tolerance when considering financial products. The conversation emphasizes the need for personalized financial advice and the value of working with an independent agent to find the best options for retirement planning.