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!

In this episode, Bryan Anderson dives into his top choice for annuities—Midland National. Known for their exceptional service, fast processing, and a diverse lineup of flexible products, Midland offers options for nearly every retirement need. But just because Midland is a favorite doesn’t mean it’s the right fit for everyone. Bryan breaks down the unique features of Midland’s standout products, including their high-growth, fee-free IncomeVantage Pro, early income options with the Income Planning Annuity, and flexible solutions like the Index Builder and RetireVantage.

Tune in to learn what makes Midland National a leading choice and how to determine if their products align with your retirement goals. Bryan also shares why he always puts your specific needs first and explores when Midland might—or might not—be the best fit for your financial future.

Listen now to find out if Midland’s annuities could be the right move for your retirement strategy!

In this episode of the Annuity Straight Talk podcast, Bryan Anderson tackles a critical topic that many listeners have been asking about—what happens if the U.S. dollar collapses? Inspired by a listener comment, Bryan dives deep into the rise of the BRICS nations, the devaluation of fiat currency, and the broader economic risks tied to these trends. He explores how annuities and life insurance could offer a unique safeguard in a highly leveraged financial system.

Join Bryan as he breaks down complex financial theories into straightforward advice, avoiding speculation while staying focused on real-world strategies to preserve wealth. Plus, enjoy some insightful commentary on why assets backed by insurance companies may be your safest bet in an uncertain economic future.

Tune in for a thought-provoking episode, and don’t forget to like, subscribe, and share your thoughts!

In this episode of the Annuity Straight Talk podcast, Bryan Anderson tackles a heated topic: the mechanics of fixed indexed annuities and how insurance companies use market options to generate returns. Bryan recounts a contentious call with a CPA who questioned his explanations, leading to a deep dive into the subject. Using insights from trusted experts like Kerry Pechter of the Retirement Income Journal and a finance professor, Bryan clears up common misconceptions and reinforces his approach to educating listeners.

for your retirement plan. Aggressive sales tactics often make people feel pressured to make decisions without considering their full financial picture. Bryan breaks down how to prioritize your retirement concerns, explains the importance of tackling one issue at a time, and shares real-life examples of how skipping this step can lead to costly mistakes. Plus, special guest Ashok Ramji joins to revisit key insights from a previous episode about the role of annuity sales in retirement planning.