In this last video, I pull back the curtain on what really happens when you work with the wrong advisor. Joe and Sharon thought they were doing the right thing by buying annuities through their big-name brokerage. But they ended up with the wrong product, sky-high fees, and a payout that disappeared when one of them died.

I show how we fixed the problem with a properly structured plan—and explain why expertise matters more than a familiar brand name when your retirement is on the line.

What You'll Learn:

• Why annuities go wrong—and how to spot red flags in advisor recommendations

• The hidden costs of variable annuities (Joe and Sharon were paying 4.1% in fees!)

• What a joint lifetime payout really means—and why it’s so important

• The four experts you need on your retirement team (not just one)

• Why independent advisors can offer better options than captive agents

• How we gave Joe and Sharon more income, lower fees, and lasting peace of mind

• What to expect when you schedule a no-pressure call with Atlas Financial Strategies

Ready to continue? Watch any other video in the series