5-8-26 Annuities - Smart Move or Costly Mistake

Are annuities only for retirees, or can they play a role in building long-term financial security at any age? Richard Rosso & Jonathan "Smarty" McCarty break down the myths, costs, benefits, and risks of annuities, and how guaranteed income fits into a retirement strategy. We discuss how annuities can serve as bond substitutes, why fees vary so widely, how sales structures impact costs, and how to determine whether an annuity fits your personal retirement goals. Most importantly, we explore how to create a rules-based approach to guaranteed income that matches your lifestyle, risk tolerance, and future needs. Key topics include: 0:00 - INTRO 0:19 - Living Vicariously thru Clients' Experiences 4:05 - Why Annuities Get a Bad Rap - Liquidity & Life 7:09 - Insuring Late-life Consumption 9:30 - Behavioral Mechanisms - Mental Accounting & Loss Aversion 11:48 - The Cap'n Crunch Diversion 12:58 - Benefits of Delaying Social Security 14:26 - Everybody "knows" when they're going to die 16:42 - Framing Delay as a Longevity Bet 17:23 - Women are Better Investors 19:43 - Spousal Protection Consideration 20:18 - Annuities Get Sold, Not Planned 23:17 - Secrets of Return Risk 25:51 - Study: Fixed Income Annuities vs Bonds 29:42 - Annuities We Don't Like 30:18 - Annuities Riders You May Not Need 33:34 - RIA Snuggies, Immediate Annuities,, and Early Retirement 36:22 - Getting a Second Opinion -What Problem is Annuity Solving? 42:50 - Immediate vs Variable Annuities 45:30 - How Much of an Annuity Do You Need? 47:36 - Passing Along Assets & Annuities 50:59 - Candid Coffee Tease Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: ------- Watch Today's Full Video on our YouTube Channel: ------- Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here: ------- Watch our previous show, "Semiconductors: Bubble or Bust?" ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" -------- Download Lance's Latest e-book, "Laws of Money & Wealth:" --------

You can listen to 5-8-26 Annuities - Smart Move or Costly Mistake online on Radio and Podcast. Open the player on this page to stream the available audio.

5-8-26 Annuities - Smart Move or Costly Mistake is an episode from Lance Roberts' Real Investment Hour by The Real Investment Show/Full Show.

This episode is 00:55:36 long.

This episode was published on May 8, 2026.

Yes. Use the heart button on the episode page to add it to your favorite episodes list.

Yes. This page shows related episodes from Lance Roberts' Real Investment Hour when more episodes are available from the podcast feed.