Artificial intelligence can write essays, analyze data, and answer almost any question you throw at it. So it's no surprise that people have started asking AI about their retirement money.

But here's the truth — AI annuity advice can actually be very helpful. Or it can be a very expensive mistake. And knowing the difference could save your retirement.

In this episode, Marty Becker shares a real client story that sparked this conversation — a client who came to him ready to buy a specific annuity because AI recommended it. The problem? That product wasn't even available in their state.

Marty then does something different — he actually asks AI three questions directly:

• When does it make sense to use AI for annuity advice?
• When does it NOT make sense?
• How will AI change the annuity industry in the future?

The answers might surprise you.

What you'll learn in this episode:

• Why AI is a great tool for learning about annuities — but a dangerous one for making decisions
• The difference between annuity education and annuity advice
• Why there's no such thing as "the best annuity" — and why AI doesn't know that
• What AI gets right, what it gets wrong, and what that means for your retirement

If you're using AI to research your retirement options — this episode is a must listen before you make any moves.

In this episode, Marty Becker tackles one of the most common misconceptions retirees have about annuities — the belief that annuity companies are simply returning their own money back to them. He explains why this flawed thinking may actually be causing retirees to spend hundreds of thousands of dollars less than they safely could in retirement.

Marty breaks down the risks associated with the traditional Systematic Withdrawal Plan (SWP), including sequence of returns risk, longevity risk, withdrawal rate risk, and behavioral risk — such as panic selling during volatile markets. He uses a compelling real-world example of two retirees, Ben and Susan, who retired just three months apart in 1968, yet ended up with nearly a million dollar difference in their retirement outcomes due to sequence of returns risk alone.

He also addresses how today's markets are even more volatile than in previous decades due to high-frequency trading and algorithmic manipulation, making this risk more relevant than ever for those approaching retirement.

Marty then explains how income annuities can serve as a powerful tool to mitigate these risks and allow retirees to spend more confidently throughout their retirement years.

In this episode, Marty Becker explores the often-overlooked psychological side of retirement that has nothing to do with 401(k)s, Social Security timing, or interest rates. He discusses the multi-year psychological transition that occurs when someone leaves a lifelong career and explains why financial preparation alone isn't enough if retirees aren't mentally prepared for this major life change.

Marty walks listeners through the research on retirement as a process rather than a single event, breaking down the phases many retirees experience during this transition. He then explains how financial structure—particularly income annuities—can help stabilize the psychological shift and provide the emotional security needed during this critical period.

This episode is essential listening for anyone approaching retirement who wants to understand not just the financial mechanics, but the mental and emotional journey that lies ahead.