How can an annuity help you secure income in retirement? Annuities often come with a reputation for being complicated, expensive, and overhyped—but they aren’t one-size-fits-all. The truth is, while they’re not the best solution for everyone, there are situations where they can provide the guaranteed monthly income some retirees need.

In this episode, I’m joined by Andy Panko, CFP®, RICP®, EA, and President of Tenon Financial. Together, we’ll cut through the confusion and explore when an annuity might actually be the right fit for your retirement strategy.

• [1:40] Two ways to generate income in retirement
• [3:07] Real-life scenario: When you might want an annuity
• [12:36] How an indexed annuity works
• [16:39] Do annuities have inflation adjustments?
• [20:13] Calculating the rate of return
• [23:42] Why a good financial advisor is important

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Tenon Financial
• Andy Panko on LinkedIn
• The 7 Myths About Indexed Universal Life Insurance
• ImmediateAnnuities.com
• Financial Planning Association
• Charles Schwab Income Annuity Calculator

www.MorrisseyWealthManagement.com/contact

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Last year, Americans donated $558 million to charities. 69% of those donations come from individuals. They also donated 4.1 billion hours to charities.

If you are someone making a donation to a charity, you need to know how they can help you reduce your taxes. One way to do that is through a donor-advised fund.

What is a donor-advised fund? How does it work? Should you consider using one for charitable giving? I’ll cover the details in this episode.

• [1:39] Sign up for my newsletter at RetireWithRyan.com
• [3:05] What is a donor-advised fund?
• [4:51] How is this different from other contributions?
• [5:51] Who should consider a donor-advised fund?
• [10:15] Who offers donor-advised funds?
• [11:05] Pros/cons of donor-advised funds
• [12:40] Additional benefits of using a donor-advised fund
• [13:27] How to choose the right charity
• [14:34] What are your next steps?

• Sign up for my newsletter at RetireWithRyan.com
• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Charity Navigator
• Pros and Cons of Donor-Advised Funds

www.MorrisseyWealthManagement.com/contact

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What could a Trump White House and Republican-controlled Congress mean for your finances? In this episode, we break down the potential tax changes—from individual tax brackets to business deductions and state taxes—that could impact your bottom line. Tune in to understand the areas with low, moderate, and high potential for change and what steps you should consider if you live in a high-tax state.

• [1:19] Sign up for my weekly newsletter
• [2:28] Area of low potential for changes
• [4:25] Area of moderate potential for changes
• [10:05] Area of high potential for changes
• [14:18] What to do if you’re in a high-tax state

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel

www.MorrisseyWealthManagement.com/contact

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