THE ANNUITY TRUTH REPORT

🔥 This Week’s Truth: “How Wall Street Keeps Retirees Stuck in Fear”

You’ve seen it before. The market drops, the headlines scream “DOOM,” and advisors tell you “stay the course.”

But what they don’t tell you?
👉 The ones saying “stay the course” get paid no matter what.
👉 The losses are your problem, not theirs.
👉 The financial media makes money by keeping you glued to fear.

Meanwhile, retirees like Bob & Linda (our fictional, but very real, couple) are watching their savings bounce around like a toddler on a sugar high—wondering if they’ll outlive their money.

So what’s the alternative?

✅ Safe growth without market risk
✅ Guaranteed lifetime income
✅ No more sleepless nights watching the S&P rollercoaster

That’s what annuities can do… but nobody wants to talk about them.

🚨 The Math They Don’t Show You

Wall Street wants you trapped in stocks forever—even in retirement.

Here’s a quick numbers check:

📉 If you lose 30% in the market, how much do you need to gain just to break even?

Most advisors will mumble something about “long-term investing” instead of giving you the real number.

📌 Answer: You need a 43% gain just to get back to where you started.

How long will that take? Nobody knows. But the guy managing your portfolio? He gets paid either way.

👉 This is why so many retirees switch to annuities when they actually run the numbers.

🔍 The Myth They Keep Telling You

📢 Myth: “Annuities lock up your money forever.”

Truth: Some do, but the right annuity gives you:
✅ Access to your cash when you need it
✅ Penalty-free withdrawals
✅ Guaranteed income for life, even if your account goes to zero

(And guess what? The fees that advisors love scaring you about? Most of the best annuities have zero fees.)

📖 Bob & Linda’s Retirement Wake-Up Call

Bob (67) and Linda (65) thought they had enough saved.

Then 2022 hit.

❌ Market crash wiped out $127,000 in 3 months
❌ Inflation crushed their “safe” CD returns
❌ They couldn’t afford another hit

Then they found out about a fixed index annuity—one that guaranteed them $4,800 per month in income for life… without worrying about the next crash.

No more fear. No more stock market stress. Just peace of mind.

👉 Want to see how much income your savings could generate?
📩 Hit reply and let me know if you’d like to see an income calculator in this newsletter! If enough readers want it, I’ll add it next week.

💡 Ask the Annuity Expert

❓ Q: “What happens if the insurance company backing my annuity goes bankrupt?”
✅ A: Annuities are backed by state guarantee funds, meaning your money is protected up to certain limits—even if the company fails.

(Pro tip: Always check an insurer’s AM Best rating before buying.)

📩 Got an annuity question?
Hit reply to this email and ask away! We might feature your question in next week’s Annuity Truth Report.

📊 This Week in Safe Money

• CD Rates: 4 - 4.5% 💤 (Still losing to inflation)

• High-Yield Savings: 4.5% 📉 (Better, but no guarantees it stays that way)

• Fixed Annuity Rates: 5-6% 🔒 (Locked-in, but with trade-offs)

• Stock Market: Up 500 points today, down 800 tomorrow 🤯 (Volatility never takes a day off)

💡 Takeaway? The key to a stress-free retirement isn’t chasing returns—it’s knowing your money is safe, accessible, and working for you without unnecessary risk.

📩 What’s your safe money strategy? Hit reply and let me know.

🏆 Retirement Success Story

Mark (70) used $500K from his IRA to lock in $3,500/month for life.

Now? He doesn’t watch the market. He watches the sunset from his beach house instead.

No more risk. No more guessing. Just income.

📢 Your Next Step

📩 Curious about what your retirement income could look like?
Most people have no idea how much guaranteed income they could generate—or if they’re unknowingly taking on more risk than they need to.

💬 Want to talk about it? Just hit reply and let me know what’s on your mind—I read every email.

🔔 Stay Tuned for Next Week's Issue!

📅 Topic: “CDs vs. Fixed Annuities: Where’s Your Money Really Safe?”

🟣 (And yeah, I know the purple is kinda aggressive. But so is paying fees you don’t need to. 🤷‍♂️)

👉 Get this before your advisor does.
🔗 www.annuityexpose.com/subscribe

🔥 Final Thought:

The financial industry wants you confused.
I want you in control.

See you next Thursday. 🚀