Are higher interest rates actually creating opportunities retirees shouldn’t ignore? In this episode, Marc and Dylan Linsky discuss how today’s rate environment is reshaping conversations around fixed income, including CDs, bonds, money markets, and fixed annuities. They break down why the 10-year Treasury remains elevated, how protected growth fits into a retirement plan, and the key differences between fixed and variable annuities. The discussion also covers common situations retirees face after locking in low rates years ago—and why understanding current options matters as rates begin to shift.

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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.