Thinking about annuities but not sure where to start? Maybe you heard about them but think they are only bad and not sure why anyone would want one? In this episode, I break down the different types of annuities - fixed, variable, indexed, deferred, and immediate - and explain how each one works. You'll learn the pros and cons of annuities, how they fit into retirement planning, and what to watch out for in terms of fees, liquidity, and tax implications. Whether you're considering an annuity for guaranteed income or long-term growth, this episode will help you make informed decisions aligned with your financial goals.

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Life insurance isn't just about death - it's about protecting your loved ones, building wealth, and planning for the future. In this episode, I break down the different types of life insurance - term, whole, universal, and variable - and explain how each one works. We'll explore the pros and cons of each policy, common uses like income replacement and estate planning, and the key implications for your financial goals. Whether you're shopping for coverage or just want to understand your options, this episode will help you make informed, confident decisions.

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In this episode, we unpack the different ways financial advisors are compensated - fee-only, commission-based, and fee-based - and what each means for your money. Learn how advisor compensation can impact the advice you receive, potential conflicts of interest, and how to ask the right questions before hiring one. Whether you're seeking investment guidance, retirement planning, or holistic financial advice, understanding how your advisor gets paid is key to building a transparent trustworthy relationship

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In this episode, we break down the fundamentals of how taxes really work - without the jargon. I'll walk you through how your tax bill is calculated, the difference between deductions and credits (and why that matters), and common strategies to reduce your tax liability legally and effectively. We'll also bust some of the biggest tax myths and highlight the most frequent mistakes I see people make - so you can avoid them. Whether you're a first-time filer or just want to feel more confident come tax season, this episode is packed with practical insights to help you understand your taxes and keep more of what you earn.

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Ever wonder what are the different types of investment accounts out there and which is right for you? Michael breaks down what the different investment accounts out there, what are they used for, the differences between them, and which is right for you based on your goals.

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What are all those letters after the advisor or coach's name? What do they mean? Michael breaks down the alphabet soup so you know what to expect.

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Are you interested in learning more about personal finance? Michael is a CERTIFIED FINANCIAL PLANNER® and will cover all the different topics related to your financial plan so you can feel confident in your future.

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Social security is one of the most important pieces of retirement income, yet it's often misunderstood. In this episode, I break down how Social Security works, including eligibility, benefit calculations, and spousal/survivor benefits. We'll cover how your benefits become taxable and how combined income affects your tax liability. I'll also discuss the implications for retirement planning, including strategies to maximize benefits, avoid common mistakes, and coordinate Social Security with other income sources. Whether you're nearing retirement or just starting to plan, this episode will give you the clarity you need to make informed decisions about your Social Security benefits.

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