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Strategies for Retirees Part 3: Annuity Types Explained

John Chambers / Owner - July 23, 2026

Not all annuities are created equal. Understanding the differences could be the key to securing your retirement—or losing thousands in unnecessary fees.

Retirement planning specialist Brandon Clarke breaks down the three main types of annuities in this episode of Strategies for Retirees. The fixed rate annuity offers guaranteed, predictable growth—set it and forget it. The variable annuity offers market potential but comes with high fees, sub-account management, and real risk of loss. And the fixed indexed annuity? It’s the hybrid that delivers the best of both worlds: participation in stock market gains with zero downside risk.

Brandon explains the guaranteed income annuity in detail—including single life, joint life, and period certain options—and how it can provide income you can never outlive. He also reveals why the fixed indexed annuity has become the star of the annuity world, with zero fees, downside protection, and the potential for double-digit returns.

Whether you’re in retirement or planning for it, this episode gives you the knowledge you need to make informed decisions with confidence.

NOTICE: Many frauds weigh in as me (JMC). I NEVER promote or sell any QFS, Crypto, wallets etc. These people are reported as fraud and are banned, but new ones crop up every week.

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NOTICE: Many frauds weigh in as me (JMC). I NEVER promote or sell any QFS, Crypto, wallets etc. These people are reported as fraud and are banned but new ones crop up every week. 

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