Why are annuity sales hitting record highs when most Americans still aren't sure what an annuity actually is? In this episode of Your Retirement, David Meche cuts through the confusion surrounding one of retirement planning's most misunderstood tools. He explains the differences between variable annuities, fixed annuities, and fixed index annuities, along with where each may or may not fit into a retirement strategy. David also discusses guaranteed income, Social Security concerns, market risk, liquidity, healthcare costs, and the importance of building a retirement income plan that addresses both growth and protection. If the word "annuity" has ever made you uneasy, this conversation offers a practical look at the facts behind the headlines.

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