As we prepare to step into a new year, predictions about the market are everywhere. In this episode, Steve breaks down insights from portfolio manager Adam Hetz on CNBC, emphasizing the potential impact of historic spikes in interest rates on the market through 2024 and 2025.

Steve discusses the importance of staying invested during uncertain times but lean towards a defensive approach. They explore the concept of defensive investing through higher quality equities and top-tier investment grade fixed income. As the financial landscape continues to evolve, the hosts delve into fixed index annuities as a valuable tool for protected growth, especially in the face of market volatility.

Steve provides a comprehensive look at fixed index annuities, highlighting their flexibility and ability to shield investors from market downturns. He addresses common misconceptions surrounding annuities and introduces a strategic approach to utilizing these financial instruments based on individual needs. Whether you're seeking guaranteed income or protected growth, Steve offers valuable insights to help you make informed decisions.

In a special segment, Steve introduces the concept of an "annuity X-ray" – a detailed analysis of existing annuities to optimize their performance within your portfolio. Listeners are encouraged to call in and request their personalized annuity X-ray to uncover potential opportunities for growth, income, and improved financial stability.