Annuities 101
Understand annuities before you decide.
A plain-English video introduction to annuities and their role in retirement income.

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What you’ll learn
- What is an annuity?
- How do annuities work?
- When do annuities make sense?
- When should annuities be avoided?
Three retirement questions we’ll explore
Your income floor
How will you cover your everyday expenses?
Explore how Social Security, pensions and annuity income can work together to cover essential spending.
Protection from market losses
What happens when the market falls?
Understand how fixed indexed annuities handle market declines, including the trade-offs around growth and access to your money.
Long-term care coverage
How would you pay for long-term care?
Learn how certain annuities provide benefits for qualifying care needs and what to understand about the coverage.
About the presenter
Bryan Hackett
Founder, Layered Income
Bryan Hackett helps people make informed decisions about retirement income and savings. He works through the details with clients, explaining how their options affect income, growth, and access to their money.
He brings 20+ years of experience in product development, including senior roles leading cybersecurity, infrastructure, and artificial intelligence product teams. His work has required evaluating complex information and weighing the trade-offs behind important decisions. He brings that same analytical approach to Layered Income.
A lifelong student of the financial markets, he holds a Bachelor of Science in Economics from Loyola Marymount University.
