In this week’s episode of The Retirement Playbook, we dive into the $432.4 billion shift that happened last year—money moving into annuities. Why? Because people want guarantees.Annuities are contracts between individuals and insurance companies. Think of them like a cousin to a CD, but with more flexibility and stronger protection. They come in short-, mid-, and long-term options and can play a big role in your retirement plan—if used the right way.At WealthMax Financial, we never use variable annuities—they come with high fees and market risk. Instead, we focus on annuities that give upside participation when the market is up, and zero downside when it’s not. You won’t hit home runs, but you’ll never strike out.We use annuities as part of a defensive strategy—a financial seat belt in case the market crashes. It’s about protecting your income and retirement lifestyle, not gambling with it.We walk through our planning process:A three-bucket approach: Liquid (1–3 years), Income (5–7 years), and Long-TermHow we transition long-term assets into protected annuitiesYes, annuities have some downsides—like liquidity limits and interest rate sensitivity—but the pros can be powerful. Especially if Social Security and pension aren’t enough to cover your basic needs.The average bear market drops 31%. With the market's volatility in 2025, protection matters more than ever.Annuities may not be for everyone—but they are a tool that can help keep your retirement on track, safe, and simple.🎯 Ready to build a plan that works in any market? Visit maxtaxtest.com to request your complimentary retirement and tax strategy session today.www.wealthmaxfg.com

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