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Advisor Insights

Understanding the 4 Key Annuities Types

Annuities can offer valuable protection against clients outliving their assets, but they can also be high-cost and complicated. We dig into some pluses and minuses.

There's a long list of reasons why advisors tend to avoid annuities despite reams of academic literature suggesting that, if used correctly, they can be of real help to clients when it comes to retirement planning.

One reason fee-based advisors might avoid annuities would be because putting their clients' money into an annuity means that they won't earn money off those assets once they're in the hands of the insurer.