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September 5, 2025 59 mins

If you’re nearing retirement-or already there- you’ve probably heard the word annuity tossed around as an answer to guaranteed income. But what exactly is an annuity?  In episode six of the Retirement Planning Pipe-Line, Retirement Planning Specialists David Pipes and Steve Zareck are breaking down Annuities 101 to help you make smart, informed decisions about your financial future. The guys cover

  • What annuities really are—and what they’re not
  • The different types of annuities (fixed, variable, indexed, and more)
  • Why annuities get a bad rap—and what’s fact vs. fiction
  • How to find high-performing annuities with strong income potential
  • And the Million-Dollar Question: Can annuities actually outperform the market in retirement?

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Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review!

Have questions about retirement planning or other financial topics? Connect with David and Steve and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

 

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Listen to the radio show every Sunday morning at 9am CST --- https://newsradio710.iheart.com/

Listen to Previous Episodes:

https://retirementpipeline.com/podcast

Subscribe to the show’s YouTube channel:

www.youtube.com/@retirementplanningpipeline 

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Connect with Charles “David” Pipes:

Phone --- 251-236-4371

Email --- Charles.Pipes@Amerilifeagent.com

Website --- https://retirementplanningpipeline.com/

LinkedIn --- https://www.linkedin.com/in/charles-pipes

 

Connect with Steve Zareck:

Phone --- 251-236-4371

Email --- szareck@amerilife.com

Website --- https://retirementplanningpipeline.com/

LinkedIn --- https://www.linkedin.com/in/steve-zareck-53b443b1

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Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years.

Steven Zareck is a trusted independent retirement specialist and Market Leader for AmeriLife, serving clients across the Florida Panhandle, Southern Alabama, Georgia, and Tennessee. With over 30 years of experience in the retirement planning space, Steve brings a wealth of knowledge and a deep understanding of the financial needs of retirees. Backed by a degree in Economics, Steve applies a strong foundation in economic principles to help clients navigate complex financial decisions with clarity and confidence. His deep economic insight allows him to craft retirement strategies that are both practical...

Chapters

  • (00:00:00) - Retirement Planning Pipeline
  • (00:01:07) - Retirement Planning Pipeline
  • (00:02:17) - Retirement Planning Pipeline
  • (00:04:04) - Financial Wisdom: What is an Annuity?
  • (00:10:13) - Jim Haslam
  • (00:11:44) - Are Annuities More Like Insurance?
  • (00:16:40) - The Retirement Planning Pipeline
  • (00:17:39) - Annuities: The Myths About Them
  • (00:18:19) - Common Annuity Myths
  • (00:20:20) - Retirement Myths that You Need to Stop
  • (00:24:52) - What's The Most Ridiculous Myth About Annuities?
  • (00:30:35) - David and Steve
  • (00:31:36) - Should You Consider Annuities for Your Retirement Plan?
  • (00:33:57) - Retirement Planning 101
  • (00:35:01) - The Right Annuity for Your Retirement
  • (00:38:06) - Is an Annuity Necessary for A Retired Client?
  • (00:42:38) - The Retirement Planning Pipeline
  • (00:44:
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