10/16/2026
One thing that stood out to me during a recent client appointment:
A client of mine owned an annuity but wasn’t fully aware of what it included or how certain features worked.
There was a rider attached to the contract that required an additional step to activate.
They didn’t know that.
And it made me realize how easy it can be to own financial products without fully understanding what you actually have.
Maybe you opened an account years ago.
Maybe you purchased something through a previous advisor.
Maybe you changed jobs, rolled money over, or signed paperwork without fully understanding all the details.
Over time, it’s easy to lose track of the fine print, the benefits, the limitations, and the steps you may need to take to use certain features.
This isn’t about saying an annuity is good or bad. Different products serve different purposes, and the details of the individual contract matter.
It’s about knowing what you own.
What does it do?
What does it cost?
What benefits are included?
Are there any restrictions?
Do you need to take action to receive a benefit you thought was automatic?
Most importantly, how does this align with your goals in life?
These are important questions to ask about any financial account or product.
You don’t need to be an expert in every detail of your finances.
But you should understand what you have, how it works, and whether it still fits your situation.
Sometimes, the most valuable financial step isn’t opening something new.
It’s taking the time to understand what you already own.
If you’re in a similar situation, send me a DM and I’ll look over your situation free of charge before we decide if working together is beneficial for you.