Annuities 101: How Different Annuities Work and What to Know Before Considering One

Annuities are often misunderstood, yet they continue to be part of many retirement planning conversations. In this episode of Protect Your Assets , David Hollander walks through annuities in clear, practical terms and explains how different types work. The discussion covers the differences between fixed annuities, fixed indexed annuities, and registered index-linked annuities (RILAs), along with how annuities are commonly used alongside other retirement planning tools. Listeners will also learn about key trade-offs to consider, including caps, participation rates, buffers, and surrender periods, as well as how annuities compare to bonds and other income-focused options. The episode addresses common myths about annuities and highlights important questions to ask before considering whether one may be appropriate, emphasizing that suitability depends on individual circumstances. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: Liberty Group website: Attend an event: Schedule a complimentary 15-minute consultation:

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Annuities 101: How Different Annuities Work and What to Know Before Considering One is an episode from Protect Your Assets by Mari.

This episode is 35:32 long.

This episode was published on Feb 3, 2026.

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