Protect, Grow, Prepare: Smart Money Moves for 2025

In episode 12 of the Retirement Planning Pipe-Line – Retirement Planning Specialists David Pipes and Steve Zareck discuss why choosing to retain MYGAs (Multi-Year Guaranteed Annuities) and Fixed-Indexed Annuities over Bank CDs are a more beneficial choice for your retirement portfolio. Plus, why understanding the real rate of return—the number that determines whether you’re getting ahead financially or slowly falling behind in retirement – the key dangers to nominal vs. Real. Enjoying the podcast? Leave a 5-star rating and review - it helps more people find the show!  Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with David and Steve and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.   --- Listen to the radio show every Saturday morning at 8am CST --- WCOA News Talk 104.9 FM and 1370 AM Listen to Previous Episodes: https://retirementpipeline.com/podcast Subscribe to the show’s YouTube channel: www.youtube.com/@retirementplanningpipeline ---  Connect with Charles “David” Pipes: Phone --- 850-424-8977 Email --- [email protected] Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes   Connect with Steve Zareck: Phone --- 850-424-8977 Email --- [email protected] Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/steve-zareck-53b443b1 ---  Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years.  Steven Zareck is a trusted independent retirement specialist and Market Leader for AmeriLife, serving clients across the Florida Panhandle, Southern Alabama, Georgia, and Tennessee. With over 30 years of experience in the retirement planning space, Steve brings a wealth of knowledge and a deep understanding of the financial needs of retirees. Backed by a degree in Economics, Steve applies a strong foundation in economic principles to help clients navigate complex financial decisions with clarity and confidence. His deep economic insight allows him to craft retirement strategies that are both practical and resilient in the face of changing market conditions. Chapters (00:00:00) - Retirement Planning Pipeline(00:01:16) - Retirement Planning Pipeline(00:02:27) - Don't Overpay for CDs(00:08:24) - Don't Let Your Bank Make Money Off You(00:08:47) - CDs, Cash Early or Risky?(00:10:00) - CD Rates, Retirement Planning(00:13:11) - Retirement Planning Pipeline(00:13:53) - Multi-Year Guaranteed Annuities and Fixed indexed annuity(00:16:35) - Do I Need a High-Rated Investment?(00:17:32) - Mutual Planner: Fixed-Rate Annuity(00:22:59) - The Retirement Planning Pipeline(00:24:51) - How to Plan for Retirement(00:27:26) - Financial Wisdom Quote of the Week(00:28:19) - Final Healthcare Prep(00:33:44) - Retired Money: Do You Risk $200,000 in Your(00:35:18) - David Broker on Client Goals(00:38:24) - The Retirement Planning Pipeline(00:40:11) - Real Rate of Return vs. Nominal Returns(00:43:44) - Retirement Savings: Maximizing Income in Retirement(00:48:25) - How to Use Your Money in Retirement(00:51:17) - The Retirement Planning Pipeline(00:51:52) - Amerilife Annuity: Bonus Annuity(00:54:04) - Military Employment Director Ryan Burgos(00:54:23) - Hire a Veteran Day(00:55:32) - Steve Knows How to Get a Job(00:58:04) - How DAV helps employers look to hire veterans(00:59:40) - Service Disabled Veteran on 'EWTN'