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.

Why are there so many types of annuities—and what really makes them different?

In this episode, Marty breaks down how annuity features and benefits are designed by insurance companies. You’ll learn how actuaries use math, risk analysis, and market data to build annuities for different goals like income, growth, and protection. Marty also explains the trade-offs that come with each feature, why you can’t have it all in one product, and how to avoid buying an annuity that doesn’t match your needs.

If you’ve ever been confused by bonuses, income riders, death benefits, or annuity ads that sound too good to be true—this episode will help you see what’s really under the hood.

Want more? Watch the free video series: 20% More Spendable Income in Retirement

In this episode, I walk through a real conversation I had with someone nearing retirement who wanted guaranteed income starting in five years. Her advisor told her to stay in the market—but when we ran the numbers, the math just didn’t add up.

We talk about:

• How much return it would really take to match a guaranteed payout

• What happens if you wait to buy the annuity later

• Why starting a deferred income annuity early can lead to bigger, more reliable income

• How this strategy removes market risk from your retirement plan

If you’re thinking about locking in income for later in life—or just want to stop stressing about market swings—this episode is for you.

Not all financial advisors are created equal—and in this episode, I explain why.

From big-name firms to flashy sales pitches, I walk you through real-life cases where investors were misled, stolen from, or flat-out lied to. More importantly, I’ll show you how to protect yourself.

We’ll talk about:

• The red flags that often get missed—until it’s too late

• Why titles like “fiduciary” and “trusted firm” don’t mean what you think

• What you should look for when choosing an advisor

• How to stay safe when working with an annuity agent

Whether you're already working with someone or just want to double-check that you're on the right track, this is a must-listen.

Want to go deeper?
Check out the full blog post linked in the episode notes or visit AtlasAnnuity.com to schedule a time to talk.

Some types of income can quietly push your Medicare premiums higher—sometimes by hundreds of dollars a year. In this episode, Marty explains how IRMAA (Income Related Monthly Adjustment Amount) works, what income sources count toward it, and how certain investment choices could help you stay under the limit.

You’ll learn:

• Which common investments increase your IRMAA

• Why even reinvested income can raise your Medicare costs

• How fixed indexed annuities and MYGAs may offer IRMAA-friendly growth

• What the exclusion ratio is and how it helps reduce taxable income from annuities

• When Roth conversions inside annuities might make sense

If you're close to retirement—or already navigating Medicare—this episode can help you make smarter decisions about income and taxes in retirement.

Not all annuity income is created equal. In this episode, I take a close look at the Delaware Life Dual Track Income Annuity—a product that caught the attention of one of my clients because of its “potential” for higher income.

But here’s the thing: that extra income is based on brand-new indexes and a lot of hypothetical back-testing.

In this episode, I walk through:

• How the Dual Track annuity’s income rider and roll-up rate work

• What the “performance withdrawal base” really means

• Why relying on unproven indexes could lead to disappointment

• The side-by-side numbers that helped my client make a confident decision

If you’ve been offered this product or a similar one, this breakdown will help you understand the risks and trade-offs so you can make the best choice for your retirement plan.