Are annuities a smart income tool—or one of retirement’s most misunderstood investments? In this episode of The Retirement Project, Pat Schultz breaks down what annuities really are and why they spark so much confusion among investors. He explores the different types—including variable, fixed indexed, and income-based options—and how each may serve a unique role in a diversified portfolio. The conversation also covers liquidity concerns, fees, tax implications, and how to evaluate the strength of an insurance provider. It’s a practical look at separating fact from opinion when evaluating a complex financial tool.

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com

Are annuities a smart income tool&mdash;or one of retirement&rsquo;s most misunderstood investments? In this episode of The Retirement Project, Pat Schultz breaks down what annuities really are and why they spark so much confusion among investors. He explores the different types&mdash;including variable, fixed indexed, and income-based options&mdash;and how each may serve a unique role in a diversified portfolio. The conversation also covers liquidity concerns, fees, tax implications, and how to evaluate the strength of an insurance provider. It&rsquo;s a practical look at separating fact from opinion when evaluating a complex financial tool.
For specialized guidance on a tax-smart retirement, visit&nbsp;<a href="https://www.harrimanhallwealth.com/">Harriman Hall Wealth</a> to schedule a complimentary, no-obligation consultation with Pat and his team today. Call <a href="tel:5853480982">585-348-0982</a> Monday through Friday or email them: <a href="mailto:team@harrimanhallwealth.com">team@harrimanhallwealth.com</a>

Are you ready to build for your future? Before you do, you’ll want to make sure you have the right tools for the job. That’s where “The Retirement Project” can help.

With "The Retirement Project: Clear Conversations for a Tax-Smart Retirement," host and financial advisor Pat Schultz goes over the topics of the day relevant to your retirement, laying out the blueprint for your ideal plan. Covering market developments, financial analysis, and lighthearted looks at how to best craft a retirement, “The Retirement Project” is the podcast you can’t afford to miss.

Are you ready to build for your future? Before you do, you&rsquo;ll want to make sure you have the right tools for the job. That&rsquo;s where &ldquo;The Retirement Project&rdquo; can help.
With "The Retirement Project: Clear Conversations for a Tax-Smart Retirement," host and financial advisor Pat Schultz goes over the topics of the day relevant to your retirement, laying out the blueprint for your ideal plan. Covering market developments, financial analysis, and lighthearted looks at how to best craft a retirement, &ldquo;The Retirement Project&rdquo; is the podcast you can&rsquo;t afford to miss.