Annuities get a strong reaction—but most people don’t actually know what the word means. In this episode, The Linskys break down why annuities are so widely misunderstood and how different types work inside a retirement plan. The conversation clarifies the differences between fixed, fixed indexed, and variable annuities, where fees and risk come into play, and why annuities are tools—not strategies. A straightforward discussion focused on protection, income needs, and when annuities may or may not fit.

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As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.