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The Truth on Annuities: You’re Not Being Told the Full Story| Ep. 24
29 Plays20 days ago
Annuities are one of the most misunderstood words in finance—and in this episode of The Future of Finance, Marissa Wood and Lisa Green break down exactly what they are, how they’ve evolved (think cell phones!), and how they can help you lock in income for life, protect against market losses, and even cover long-term care.
Whether you’ve heard horror stories or you’re curious if annuities could fit into your retirement plan, this episode gives you real answers, real examples, and real clarity—without the industry jargon.
📞 Ready to explore what an annuity could look like in your plan? Schedule a free call: https://www.union-financial.com
🔍 What You’ll Learn:
- What annuities really are (not the scary kind you’ve heard about)
- Why they're gaining popularity with all age groups
- The difference between fixed, indexed, and variable annuities
- How to get guaranteed income for life
- Why many clients feel peace of mind (and live longer!) after buying one
💬 Question for You
Have you ever considered an annuity—or do you think they’re all bad? Drop your thoughts and questions in the comments!
👍 Like, subscribe, and share this episode if you learned something new.
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Transcript
Introduction to the Future of Finance Podcast
00:00:09
Speaker
Hi, everyone. Welcome to the Future of Finance podcast, where we break down investment strategies to help you live a better financial future. I'm your host, Marissa Wood, financial advisor and one of the owners of Union Financial Services. And today we're going to discuss one of the most misunderstood words in retirement planning, and that is annuities.
Expert Guest: Lisa Green on Annuities
00:00:32
Speaker
Now, to help us unpack the truth behind these investment vehicles, we're joined by my business partner, Lisa Green. Now, before we dive in to a little bit of talk around the truth of annuities, I'd encourage you to please subscribe to our channel, whether you're watching on YouTube, Spotify, Apple. And if these are the kinds of concepts that you like and you want more content like this, please like, share, comment so that we can continue putting out more content like this.
00:01:03
Speaker
So welcome, Lisa. Hi, Marissa. It's great to be here as always. Thank you for having me. Had to have you. You're the annuity queen. It's my favorite investment. And I think that annuities, people are going to learn about annuities today. And you're going to have some questions answered. Annuities are an amazing investment. And I'm thrilled to be able to share some information with you.
Understanding Annuity Payments with Lottery Analogy
00:01:28
Speaker
Absolutely. Now, I have a funny question to kick things off here. Have you ever bought one of those lottery tickets, those scratch-offs, where you have the opportunity to win $1,000 a week for life? Of course. Who doesn't love those? And didn't you want to win? That's exactly what I wanted to do. Exactly. Yeah. I mean, who wouldn't want $1,000 week Waking up on a Sunday knowing you have $1,000 coming in that week and again the next week and the next week. Well, guess what?
00:01:58
Speaker
That is a classic example of an annuity. Those $1,000 a week lottery winnings, that is an annuity payment. It is. That is exactly how you would define that. And we all want that. So let's talk about how people can get an annuity for themselves. yeah We'd all love to win that lottery, but realistically, we're not going to. Yeah. I mean, if you've ever wanted to win lottery winning, such as the $1,000 a week for life, or if someone offered you a pension, wouldn't you want to take it? Pensions are great. Unfortunately, they're becoming unicorn. That's an annuity. That is an annuity. A pension is an annuity.
Familiar Annuities: Pensions and Social Security
00:02:38
Speaker
yeah so Social security, an annuity. Right.
00:02:41
Speaker
So we've already broken down some barriers on what is an annuity. Why do people say, oh I don't know about annuities. Now you're going to learn a little bit more about that dependable payment that annuity can provide.
00:02:56
Speaker
Yeah, so you know I'd encourage everyone to open your mind up because if you had a preconceived notion about an annuity, but you are a fan of lottery winnings, pensions, social securities, you might secretly love annuities and you didn't even know. But we're going to go more into it today because they're not for everyone.
00:03:14
Speaker
True. They're for a lot of people. That's true. That is true. Well, I have a question for you. What are the three guarantees in life?
00:03:26
Speaker
I did say three. Yeah, I mean, because i've heard I've heard the question asked, what are the two guarantees in life? And that's usually death and taxes, right? Death, taxes, and an annuity. Three guarantees. That word is a pretty strong word. And that is one of the things that an annuity can provide, guaranteed income.
Historical Evolution of Annuities
00:03:52
Speaker
Mm-hmm.
00:03:53
Speaker
that's one of the the great features of an annuity. So having said that, did you know that annuities have been around since the Roman times?
00:04:05
Speaker
No, I did not know that. The annuities have been around since the Roman times. They were used in the 18th century. Wow. Yeah. And they provided income for those people that invested a certain amount of money.
00:04:22
Speaker
So for some people to say, oh, I don't know about annuities. I don't know. Well, they've been around for a very long time, probably longer than any investment that we have available to us. wow And of course, they're a little different than when they were in the Roman times. yeah And that's part of the the.
00:04:42
Speaker
um joy to explore what an annuity really is in this year. The features, the different ways that you can use annuities, the different types of annuities. There's so many different available features inside an annuity, it would be mind-boggling for the average person to say,
00:05:03
Speaker
Wait, I can it can do this for me. It can do that. It really can.
Benefits of Annuities for Financial Planning
00:05:08
Speaker
They really can do so much for pre-retirees and retirees. um We like to talk about the evolution of annuities and I like to compare it to the beginning of the cell phone.
00:05:24
Speaker
So years ago, maybe 30, 35 years ago, when the so cell phone first came out, it was in a bag and you carried it on your shoulder like a purse, but it had ah a spiral cord and you plugged it into your cigarette lighter in your car.
00:05:40
Speaker
Those cigarette lighters, right? oh my gosh And so that was the the beginning of it was called a car phone, but it was a cellular phone. So basically you could talk on it. All right. Now,
00:05:52
Speaker
As we know, the cell phone went from a little flip phone. It went from just having, you know, a keyboard like what it would be on a telephone, you know.
00:06:03
Speaker
And now it is a mini computer that we carry around with us at all times. And yes, it still has the basic feature of calling.
00:06:14
Speaker
But, wow, it can do a whole lot more. And so that's my little bit of an analogy with annuities. Yes, it still has that feature of ah paying out money.
00:06:27
Speaker
But boy, there are there so many features involved in annuities that each person should be able to investigate a little bit for themselves by talking to an advisor and finding out how can this work for me? So the cell phone, certainly different than it was years ago. The annuity of today is certainly different than it was years ago. Absolutely. That's a good comparison because, yeah, the annuity you can buy today is not the annuity your grandfather had, just like the phone. That's right. And I think that's it's an easy way to explain it that a lot of people can probably relate to. I hope so.
00:07:04
Speaker
Yeah. Yeah. I mean, annuities truly are taking off right now. I mean, what were the sales over this past year? $450 in sales.
00:07:16
Speaker
So all those
Exploring Different Types of Annuities
00:07:18
Speaker
people are getting in on a great investment. thing They know. They've been shown and they know. $450 billion. dollars And every year that seems to increase. You know, sometimes it's increased by 5%, 8%.
00:07:37
Speaker
But that is a huge part of our financial industry. Now, of course, we know that the baby boomers are retiring or already in retirement. So a lot of these annuities are really tailored towards those people.
00:07:52
Speaker
But... There's still annuities that are good for young people. Yeah. I mean, I personally own some annuities. And i know people might think that's crazy. Why? You know, you're nowhere near retirement and needing an income stream and planning for legacy.
00:08:08
Speaker
i understand that. But I want to diversify. i like to have a little bit of money that I know is protected. and especially with a retirement account. I can't touch it until I'm 59 and a half anyways. And so why not have a couple different buckets, have some that's fully protected, and then have the majority of my money exposed to market volatility in the stock market. But yeah, I mean, this is not only for those in their 50s, 60s, and 70s. We can talk about annuities way before that. So you mentioned a word twice in that last sentence, protected.
00:08:41
Speaker
m So let's let's go back a little bit and talk about what is so attractive about annuities. Yeah, so that protected term is really where the key is with an annuity. It is protected from market losses. You have a floor built in that you're not going to suffer that 20% stock market loss like you would in a mutual fund or ah a brokerage account.
00:09:10
Speaker
But really, you know before we dive into the features of annuities, let's talk about the different types because just using the word annuity as a broad term can be a little misleading in and of itself because there's so many different categories of them. And when someone makes a blanket statement about an annuity, it's like, okay, well, which one are you talking about? right And then let's have a discussion. um And so really, there's two main umbrellas of an annuity. There's the immediate annuity, and then there's the deferred.
00:09:46
Speaker
Now, the immediate annuity, i will say, it can be somewhat outdated now. It still has a place in some people's portfolio, but... We're kind of moving away from that strategy with most clients because what an immediate annuity is, is you're putting in a lump sum of money and immediately receiving an income stream from that.
00:10:10
Speaker
And it's irrevocable. It turns onto an income stream and that is the end of the story. Whereas with a deferred annuity, you have so much more flexibility You can wait a year, five years, 10 years, however long you'd want to start taking withdrawals and begin receiving income. And in that time, your money is growing.
00:10:31
Speaker
And it's growing tax-deferred. That's huge. That's a very important point. So tax-deferred, um let's compare it to, say, if someone invested in a CD.
00:10:45
Speaker
How is that treated for tax purposes? Well, you get a 1099 the end of the year based on whatever interest you earned in the bank. So you must pay that tax that year. Tax deferred.
00:10:58
Speaker
means you can put that off for a future date until you decide to take income. So all of your money is working for you. Yeah, none of it's getting eaten up by taxes every year. yeah big Taxes are on the top of everybody's head these days. I mean, everybody's worried about them. So, well,
Indexed Annuities: Market Participation & Stability
00:11:16
Speaker
now we've talked about protection from an annuity that you get with an annuity.
00:11:21
Speaker
Now we talked about tax deferral. So that's two pretty big features. Yeah. Yeah. Yeah. And so the deferred annuity umbrella actually has a couple subsets of that as well. The three most common would be the variable, the fixed, and the fixed index annuity. So those are all subsets of a deferred annuity. And to give you 30 seconds on each one without diving too deep, your variable annuity,
00:11:53
Speaker
doesn't have full protection. It has protected of principle, your initial investment, but your earnings are subject to market risk. So variable annuities, usually not our first pick, but it could work for some people.
00:12:07
Speaker
They tend to carry high fees as well. So that wouldn't usually be our go-to. What's our go-to? The index annuity. Why is that? So the index annuity...
00:12:19
Speaker
has more growth potential than a fixed. Fixed is a set interest rate. So if it's paying 5%, you're making 5% a year. Nothing more, nothing less.
00:12:29
Speaker
An index annuity has the ability to participate in market earnings up to a cap, with full downside protection. And so you kind of get the best of both. When the market's having a good year, you benefit from it.
00:12:44
Speaker
When the market has a bad year, you don't lose any money. So this is even getting better. Now, when we say we like annuities, now, this is amazing where you can participate in market upswings but fully protected from market downturns. yeah So you've got growth and accumulation, protection, tax deferral.
00:13:08
Speaker
It's getting better and better. Yeah, and so I would say most of the time when we're talking about an annuity, we might be referring to an index annuity. They all do have their place in the world of investing, but the index would probably be our favorite. And that is the most popular investment in the annuity world and has been for the past few years. And it's going to continue to be because we're only touching the surface on some of these features inside because
00:13:40
Speaker
Everybody has different needs and everybody has a different time horizon. Everybody has different amount of money and what they need this annuity to do for them. So we like to say you need to have a discussion with a financial advisor. Mm-hmm.
00:13:57
Speaker
before you decide or not decide on an annuity. it's It's a true personalized discussion and a personalized plan that can work for certain individuals in certain aspects of their life. Yeah, I mean, it is personal. And you know before we dive even further into examples on how these annuities work, I would recommend anyone that's listening to this, if you have an annuity question or you might have heard something and you want verification on it, go to our website, union-financial.com.
00:14:32
Speaker
Click schedule a meeting. You can book a complimentary phone call, Zoom call, or meeting with myself or Lisa to get your specific questions answered. Always complimentary. We are here to provide education so that you can live that better financial future. Yeah. And on that same note, say if someone has an annuity that may be 10 or 15 years old.
00:14:54
Speaker
Well, let's revisit what the features inside that annuity are. So true. Because as I said with the cell phones, you know, I don't want that flip phone anymore. I want my little computer in my hand. yeah And so maybe that that annuity that is 15 years old might be a little bit outdated and could serve you better.
00:15:15
Speaker
with an upgrade. So true. Yeah, that's that's a great point. um Now, I want to share an analogy with our listeners today that really does put a nice visual on how your earnings in an index annuity work. And it's it's a rock climbing analogy. Now, I'm not a rock climber by any stretch. Zip liner. Yeah, I do love zip lining. That's right. Yeah, that is true. But, you know, I'm not climbing the mountain to get there. Okay, not yet. Yeah. And so with rock climbing,
00:15:45
Speaker
Let's say, you know, you're you're getting up that mountain and you have all the safety gear on. Thank God. You have your helmet on, you have a harness, you have the safety clips and the rope, and you might have one of those stakes that you can drive into the side of the mountain to lock in.
00:16:00
Speaker
And every time you gain a new elevation, we'll call it every five or six feet, The rock climber drives the stake into the side of the mountain, clips in, locks in ensuring that that elevation they've just gained can't be lost if they have a, you know, unsteady foot or they grab the wrong rock moving forward.
00:16:22
Speaker
They're ensuring that the elevation they've just gained locks in. Well, that's the same with an index annuity. Every year, the interest you've earned gets locked in and cannot be lost due to future market downturns.
00:16:37
Speaker
Another great feature. Yeah. so you're you're climbing up that mountain, and it's going to be more of that slow and steady climb than someone free climbing without the heavy gear on and without having to stop every six feet to lock in. But that person without the safety gear...
00:16:55
Speaker
They're one wrong move from falling to their death. You know, it's usually better to have that slow and steady, especially when you're approaching or in retirement.
00:17:05
Speaker
course Of course. course. It's smart thing to do. So now we've we've really added another feature, that locking in of the gains. This list is getting longer.
Ensuring Retirement Security with Annuities
00:17:17
Speaker
Yeah. And so let's say, you know, that rock climber, they made it up to the top of the mountain.
00:17:22
Speaker
Now they're at the top. Well, now what? That was the growth part of the annuity. now Now that you're at the top and you want to start going down the other side of the mountain, now it's time for the income annuity. And that is a feature that can be added to an index annuity that can guarantee you some income to sustain your lifestyle in retirement and get you down the side of that mountain.
00:17:50
Speaker
So let's talk about the biggest fear in retirement.
00:17:58
Speaker
Running out of money, outliving your money. That is the biggest fear. So imagine you're climbing that mountain all those years, accumulating your money and accumulating and locking it in and it's tax deferred. And then you do, you get to the top.
00:18:15
Speaker
You're at retirement. And now... you have to go down and you have to make sure that you don't outlive what you've accumulated.
00:18:27
Speaker
Well, the annuity will help you do that. The annuity has a lifetime income benefit guarantee.
00:18:38
Speaker
That's something that needs to sink in for a minute. So for those people that retire and they're 65 and they're looking forward to traveling and and spoiling their grandkids and doing all the things that they wanted to do, golf and boating, well, how much can I spend?
00:19:00
Speaker
Am I going to run out in 10 years? Is my spouse going to okay if I pass away? These are really, really big concerns, and everybody should have them.
00:19:14
Speaker
That's why i think everybody should have a lifetime income annuity for a portion of your portfolio. Let's address those everyday expenses. You know, you'll have your Social Security.
00:19:28
Speaker
You may have a pension, probably not. But to have a source of guaranteed income that you will never outlive. takes that burden and that fear off of your shoulders and puts it somewhere that it's going to work for you so that that retirement can be what you dreamed of. Yeah. I mean, annuities are the risk mitigation tools. You're transferring that risk of outliving your money to the insurance carrier that issues the annuity because they have to keep paying you forever. And it's funny because we found that
00:20:07
Speaker
Those that have an annuity sometimes will live longer because they aren't stressed. And maybe they're trying to get one over on the insurance company and and beat them, maybe. Or it's probably just because they're not as stressed and they can enjoy their life and they can spend their money freely because they know they have their living expenses covered. They do. And and some some people have their travel expenses is covered. So they can enjoy themselves. It's funny when going back to the Romans...
00:20:36
Speaker
I did a little bit more research on that. And the Romans actually, back in the 18th century, tried to forecast life expectancies back then so that that annuity can pay out for their lifetime. Now, those Romans didn't live that long, okay, and especially if they were in battle. but But we as a society are living longer than generations before us. Oh yeah.
00:21:05
Speaker
And we need to have that money sustain us for as long as we live and maybe then even as long as our spouse lives. So to to tell people that there is such an investment is the greatest joy that I have because I will tell you hands down an annuity is my favorite investment, has been for a very long time. I can't count how many I have because I have them for different reasons. You know, there are annuities that not only provide lifetime income, but they actually have health care features, which I could do a whole segment on.
00:21:45
Speaker
But that's also an option. There are annuities that actually have enhanced death benefits. Like, what is that? Like a substitute for life insurance, right? Exactly. You know, so like you said, immediate annuities, ah fixed annuities. There are so many different types that I find i would be hard pressed that one of those types of annuities wouldn't fit into every retiree, pre-retiree, somebody that's maybe 15 years out. Let's look at that future and let's see how a portion of your portfolio, once again, it's always a portion. And of course, it always depends on each person's individual situation.
00:22:33
Speaker
But there are a lot, and I'll bet you that there would be one that would fit most people's needs. You even said- Yeah, there was one that fit my need. yeah Actually, more than one. See? Yeah. yeah um Now, you know, our topic today was all around, i don't know if I need an
Real-Life Inspiration: Seeking Annuity Security
00:22:54
Speaker
annuity. Should I look into it? but And that is something that a lot of our clients come to see us about, wanting more information, not knowing if a certain financial vehicle fits into their plan, and that's our job. But sometimes we'll meet with people that know exactly what they want or they think they know exactly what they want. um Tell me a story about one of our clients recently. We'll call her Mary Smith. Right. so So Mary Smith worked for an elderly lady as ah as a caretaker. And part of her job, she helped her pay her bills, and she just helped her along the way with everyday tasks and a little bit with the financial but paying of bills and savings and this and that. so
00:23:36
Speaker
so mary realized that her boss would get checks every month, okay, from Social Security. She did get a check from her late husband's pension.
00:23:49
Speaker
And then she also got this check from an insurance company every single month. Very reliable, very dependable, the exact same amount of money.
00:24:01
Speaker
And Mary would help her boss, you know, put this money aside and and and put it into the checking account. and And finally, one day, Mary said to her boss, you know, Mrs. Jones, I've been working for you for over a year now. Do you mind me asking? I know what the Social Security check is and I know what the pension check is.
00:24:21
Speaker
What is this other check that comes every month like clockwork? And her boss said to her, well, that's my annuity payment. She said, years ago, my husband and i invested in an annuity.
00:24:36
Speaker
And it paid out lifetime income. So our client's ears perked up. She's like, lifetime income. She said, yeah, it it paid out for my husband. And then when he passed away, it continues to pay out for me.
00:24:54
Speaker
and our client then said, i think I need one of these. So of course, she went home to her husband and and rattled off you know the the fact that this money comes in every month and it's dependable and it's reliable. And she's never going to outlive it.
00:25:13
Speaker
It paid off until her husband died. Then she continues with the payments. So this particular client, Mary, was so excited when she met us. She met us at an educational event.
00:25:26
Speaker
And she said, you helped explain the annuities a little bit more so that I can get my husband in here and we can investigate how this could work for us.
00:25:38
Speaker
So we were so happy because she watched firsthand this annuity payout for a person throughout her lifetime. And she was so excited to see what it would look like for her.
00:25:52
Speaker
yeah Her husband's excited too, because he sees what it looks like for him. He's now officially a fan as well. And it's been, it's, that was great because it was life experience that Mary saw working.
00:26:07
Speaker
This annuity was working at its best and doing exactly what it's supposed to do and what they do do. And then she saw what it would look like for her money, for her age, for her lifetime.
00:26:20
Speaker
And it has more features now than what her her boss had in hers. And we were happy to show her and we're happy that she has it. Yeah. And that is one of the things that's so great about being independent, too. We're able to access dozens of different insurance annuity carriers so we can shop what the right product is going to be for that client. And we can run those illustrations so that they can see projected income amounts for their age and their amount of money. And really customize the right plan for that specific client makes our job easy, really. So you mentioned mentioned illustration.
00:26:59
Speaker
So just give a little. So an illustration is really just a hypothetical projection on if I invested $200,000 and I'm 60 years old, what kind of income could that provide me with if I started income at age 65?
00:27:18
Speaker
And it's in black and white. You can see the exact number. And that gives people such peace of mind because if they know, OK, I'm going to be able to collect, we'll pick $20,000 a year for life and add that to my Social Security, then I know that my bills are going to be paid or I'm going to have this amount of a gap. And then we fill it in with other investments. It's nice. And and and that really does give people peace of mind.
00:27:45
Speaker
Because they can see it the variables are your age, your you your amount of income that you need, your amount that you have to invest. And it can be tweaked along the way.
00:27:59
Speaker
You know, if if you say, well, nobody ever says I don't need that much. I know. If you say, I need a little bit more, well, then we may have to allocate a little bit more to that investment in order to pay your bills, let you go on vacations, and have that peace of mind. And it's a simple process, and it's part of the the joy that we get when we meet with clients and and we see their eyes light up and they feel good yeah that, oh, I will be okay.
00:28:30
Speaker
I will be able to enjoy my retirement. <unk>s It's a real pleasure. That's the goal. um Yeah. I mean, you know, the core driver of annuity demand is that ongoing need for
Addressing Financial Concerns with Annuities
00:28:42
Speaker
retirement security. Everyone wants to know that they're going to be okay. So as long as people have any fears at all in retirement, annuities are going to be around in some way or another. um Once again, you know, they're not for everyone.
00:28:57
Speaker
They're not We're not making a blanket statement saying everyone needs an annuity. You might not. But if one of these four things are concern for you, then it's probably worth exploring or having a conversation about an annuity. Those four things being you're concerned about longevity.
00:29:17
Speaker
You're concerned about market volatility. You don't like seeing when the market's down or when you turn on the news and everything's red. That makes your stomach drop. You're concerned about long-term care expenses.
00:29:30
Speaker
I mean, we all know how expensive that can be. Yes, it can it can decimate a retirement plan. It can just devastate it. can It can ruin it. It can just be that that one expense that people weren't expecting. But we don't know what our paths are in life. We don't know. So we have to have some sort of a safety net in place And an annuity can provide that as well.
00:30:01
Speaker
Yeah. And then the last one you had briefly touched on too is you have a concern about what's going to happen to your spouse when you pass. And are they going to be okay? Are they going to be able to manage their finances and have enough income?
00:30:15
Speaker
That should be a fear for most married couples. It should be because inevitably one of them knows more about the finances than the other. Well, we try to we try to educate both spouses and we try to let you know give that information. Well, if... your husband dies or if your wife dies, this is what it may look like for you in the future. And once again, having that sustainable, guaranteed income stream, it could be a changer in, okay, if the worst happens, well, I still know that I'm going to be okay financially.
00:30:59
Speaker
That's a big, big worry off people's minds at ah at a terrible time. Yeah. We recently had a few clients that I can think of, and the husband was really great at managing their stock portfolio and had been kind of a DIY investor most of their life. um And we totally respect that. we and We understand that that is some people's passions. But they approached us with their spouse because they said, you know, when I pass, my wife doesn't know how to manage this stock portfolio. I want her to have an annuity to pay our bills because then I'll be able to sleep at night knowing that she's OK. And so that's a pleasure that we can we can help couples like that. Yeah. So I think that we've we've.
00:31:44
Speaker
maybe piqued some people's interest, I would hope so. And I would hope that people think, you know do I want to investigate that annuity a little bit further? And we talked about lifetime income. We barely touched on on the long-term care feature, healthcare feature that some annuities can provide.
00:32:06
Speaker
That would be a whole other episode because once again, that is a passion of mine. um We know that we're we're living longer. so We touched on all the different things. We have we have some clients that like just a fixed annuity, and you mentioned that earlier, and that is that is the guaranteed interest rate for X amount of years, and some clients like to ladder those fixed annuities. They like to have a two-year term, a three-year term, four-year term, and that is going to be their retirement income. Mm-hmm.
00:32:40
Speaker
That's also an option. So there are so many different types that you would be doing yourself a disservice if you didn't look into the different types and let a financial advisor show you how it could look for you.
Annuities in the Financial Market Today
00:32:55
Speaker
It's a very, very simple process. And then, you know, we investigate what your needs are and how those annuities could may or may not work for you.
00:33:07
Speaker
Yeah, I mean, they haven't sold 450 billion of them this year for no reason. They serve a purpose. and And that number keeps going up and up every year. Staggering, really is. 450 billion is a lot. Yeah.
Conclusion & Listener Engagement
00:33:21
Speaker
So if you're listening to this episode or if you're watching on YouTube and we have piqued your interest or a couple of those things that we talked about being concerns for our clients are a concern of yours, let's have a deeper conversation. Let's go into this and answer your specific questions. And we can do so by you heading to our website, union-financial.com, clicking that schedule a meeting button. You can send to us a request for a phone call, a Zoom call, an in-person meeting. it can be 30 minutes, 45. Usually that first call is just an introduction and us answering your specific questions.
00:33:59
Speaker
Always complimentary. And if that's something that you'd be interested in please give us give us a call. Give us an email. We would love to have a conversation with you and dive into your situation a little bit better because our goal is to help you build that better financial future.
00:34:16
Speaker
So I'm your host, Marissa Wood. Thank you for tuning in to another episode of the Future of Finance podcast. Thank you, Lisa. Great job. And we will see you next time. Thank you.
00:34:27
Speaker
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