Most people spend decades building a retirement account, but very few spend time thinking about how they'll actually live on it. Sometimes the most important retirement conversation starts with one simple question: "Cool...you've got money. Now what?"

Annuities have a bad reputation — but the problem isn’t the tool itself. It’s how annuities were sold, misunderstood, and misused. This article breaks down the myths and explains where annuities actually fit in modern retirement planning.