Annuities are everywhere in retirement conversations—yet most people still don’t understand what they actually do. In this episode of Smart Money Moves, Keith Collins demystifies annuities using plain, practical language. He breaks down what annuities are at their core, the different types available, and how each one may serve a specific purpose—whether that’s income, growth, tax planning, or long‑term care considerations. The discussion also addresses common misconceptions, fees, liquidity concerns, and why annuities often get a bad reputation when used incorrectly. This episode focuses on clarity, context, and asking the right questions before deciding if an annuity belongs in a retirement plan.

When your assets are at stake, discretion and reliability are a priority. Find out what tools you need for a successful retirement with a complimentary first appointment with Keith Collins and the team. Call 888-508-3736 or schedule a meeting here.

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