When retirement planning feels overwhelming, the real risk might be not knowing what you don’t know. On this episode, Derrick Caldwell breaks down the truth about annuities, long‑term care costs, and the misconceptions that can derail a secure retirement. They explore how income planning, risk transfer, and customized strategies can help you navigate rising healthcare expenses and avoid burdening your family. With real stories and practical insights, this conversation helps listeners understand the decisions that shape their financial future.

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