If you're deciding between a Deferred Income Annuity (DIA) and a Fixed Indexed Annuity (FIA) with an income rider, this episode will give you the facts you need to make a smart choice.

I walk through:

• The key differences in how each annuity works

• What you give up in a no-fee option—and what you gain with a fee

• How the death benefits compare

• Real-world income examples that show just how big the gap can be

We also talk about liquidity, long-term care benefits, and how to decide which one fits your goals.

If you’re building your retirement income plan, this side-by-side breakdown will help you see what’s really on the table.

You’ve probably never questioned how banks actually make money. Most people haven’t. But once you see the numbers—the profits, the leverage, and the risk—you might think twice about keeping your retirement savings in a bank account.

In this episode, I break down:

• How banks use your money to earn 200% to 700% profits

• What fractional reserve banking really means

• Why the 2008 crisis wasn’t the last time the system failed

• And why insurance companies that issue annuities play by an entirely different set of rules

If you’re comparing CDs, money markets, or checking accounts to annuities, this will help you see what’s happening behind the curtain—and why I don’t use banks to store my own money.

There are only four reasons anyone ever buys an annuity—and in this episode, I walk you through each one using a simple acronym: P.I.L.L.

Whether you’re looking to protect your principal, create guaranteed income, leave a legacy, or prepare for long-term care, this breakdown will help you understand when an annuity makes sense—and when it doesn’t.

I’ll also share a powerful analogy about retirement income that ties it all together. If you're planning for the long haul and worried about outliving your money, this one’s for you.

Want to learn how to get more spendable income in retirement? Visit AtlasAnnuity.com to watch my full strategy series or schedule a quick call.