In this episode of Financial Fitness with The Money Doctor, Dr. Frances Rahaim is joined by financial industry veteran Mark Williams for an honest, educational conversation about annuities. Instead of sales talk, they focus on understanding annuities as financial tools that, when used properly, can help solve real-world retirement and income challenges. This episode empowers viewers with clarity, confidence, and practical insight.
By Franklin County Now February 3, 2026 11:13 am
In this episode of Financial Fitness with The Money Doctor, Frances Rahaim, Ph.D. is joined by Mark Williams, a financial industry veteran with over 35 years of experience across brokerage, insurance, and distribution leadership.
This conversation isn’t about selling products. It’s about education, insight, and reframing how people think about annuities — not as “products,” but as tools that can help solve real-life financial problems when used appropriately.
Together, Frances and Mark explore:
Why annuities are so widely misunderstood
The difference between selling products and solving problems
Guaranteed income and protection vs. growth-only strategies
Common myths about access, control, and “losing your money”
How annuities can help with retirement income, beneficiary planning, and probate avoidance
Why choosing the right advisor matters just as much as choosing the right tool
If you’ve ever heard “I’d never buy an annuity” — this conversation may change how you see the entire category.
