What the fine print never says, what most agents never tell you, and how to know when an annuity actually earns its place in your plan.
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Twenty short chapters. About an hour, end to end. Written for people, not advisors.
MYGA, SPIA, FIA, VA, RILA, DIA. What each one does, what it costs, and which one you probably own.
The exact questions we ask on every audit. Run them on your own contract before you ever pick up the phone.
Income riders, LTC riders, death benefits. Which ones earn their fee — and which ones are pure margin for the carrier.
Two chapters, side by side. The situations where an annuity is the smartest move you can make, and the ones where it's a fifteen-year mistake.
Read cover to cover, or skip straight to the ones that apply to you.
Written by Scott Zimmerman — 35+ years in financial services, top 1% of leading professionals in America, President of Real Impact Financial. Independent. Represents the top A+ rated carriers. Licensed in all 50 states.