In this episode, Bryan dives into the long-standing debate between commission-based and fee-based financial models. He breaks down how each impacts your portfolio, when they’re most appropriate, and why neither is inherently superior.

Key topics include:

• How commissions and fees differ—and what they really cost.
• The long-term effects of investment fees on portfolio growth.
• When it makes sense to use commission-based or fee-based strategies.
• Red flags to watch for when working with advisors.

Whether you’re building your retirement plan or just looking for clarity, this episode will help you make more informed decisions about your financial future.

Tune in now to learn how to find the right balance for your unique needs!

In this episode, Bryan revisits a significant shift in the financial world: Fidelity’s growing emphasis on annuities in retirement planning. Once hesitant about annuities, major firms like Fidelity and Schwab are now actively recommending them. But are their options always the best for you?

Bryan breaks down:

• Why Fidelity’s stance on annuities has changed.
• The limitations of their product recommendations.
• Real-world examples of how shopping around can save you money and provide better solutions.

Whether you’re new to annuities or looking for a second opinion, this episode offers insights to help you navigate the evolving retirement landscape.

Tune in now to learn more about Fidelity’s push for annuities and how to make the right choice for your financial future!

In this week’s episode, I’m breaking down the unseen pressures that often influence year-end financial decisions in the annuity industry. While independent advisors like myself don’t always feel it directly, sales pressure ramps up around this time across most financial services. As you think about your options, it’s essential to understand how third-party organizations, known as Insurance Marketing Organizations (IMOs), influence advisors’ product recommendations. For over 90% of annuity advisors, IMOs play a big role in product selection, pushing specific products to meet annual sales goals, especially as year-end bonuses and targets come into focus.

I’ll discuss why working directly with companies like Midland National can help avoid these influences and allow for a more straightforward, client-focused approach. Plus, I’ll share my own experiences and how I’m constantly updating my website to keep things transparent for you, my listeners. This time of year can be productive if you know where to focus, even while most people are distracted by the holidays.

Before you jump into any financial commitment, take a step back to ensure it’s the right choice for you—not just an advisor’s year-end quota. Whether it’s MYGA, fixed indexed, or income annuities, these decisions deserve careful thought. And if you’re seeking a second opinion or need help navigating this season’s pressures, I’m here to help you make informed choices that align with your financial goals.

Enjoy your weekend, and as always, reach out if you need advice without the year-end rush!