The Real Reason Most Advisors Hate Annuities (Here’s the Dirty Truth…)

*Hint: It’s not about what’s best for you

If you've ever heard an advisor say:

“Annuities are terrible.”
“They’re too expensive.”
“Just stay in the market.”

It’s time to stop nodding... and start asking:

Who actually benefits from that advice — you, or them?

Let’s follow the money trail:

Do the math:

• Invest $1,000,000 into a traditional AUM portfolio at 1.25% for 30 years...
  👉 Your advisor makes ~$1.7 million in fees (before fund expenses).
• Put that same $1,000,000 into a lifetime income annuity...
  👉 The advisor earns a one-time ~$50,000 commission.

That’s a 97% pay cut for them.
Would you recommend a product that nukes your paycheck?

No wonder annuities get ghosted by the industry.
It’s not that they’re bad — it’s that they’re bad for business.

And look — this doesn’t mean every advisor is out to screw you.
But it does mean the system they’re trained in is hardwired for conflicted advice.

But here’s the truth they won’t tell you:

Not all annuities are created equal.
Some are bloated with fees and fine print (we avoid those like the plague).
But the good ones?
They’re retirement superweapons — delivering:

✅ Guaranteed lifetime income
✅ Market downside protection
✅ Freedom from sequence risk and sleepless nights

And don’t take our word for it:

Research from Ernst & Young, Morningstar, and economists like Finke, Pfau, and Blanchett shows:

Blended retirement strategies that include annuities consistently outperform investment-only portfolios
With less risk, lower taxes, and greater income stability.

Meanwhile, the big talking heads — the "Never Buy Annuities" crowd — often push outdated myths, cherry-picked edge cases, or just protect their own fee-based model.

Today’s annuities are not what they were 20 years ago:
Many now offer liquidity, death benefits, growth options, and guaranteed income that a stock portfolio simply can’t match.

BOTTOM LINE:

You didn’t work your whole life to roll the dice on retirement.
And you definitely didn’t work this hard to hand over your future to someone else's compensation plan.

We don’t push products. We don’t take shortcuts.We show you what the data says — even if it shakes the foundations of Wall Street's fee machine.