Episode 8 – A Discussion On All Things Annuities – With Kalem Mackey, CFP®

Believe it or not, annuities are often helpful, yet misunderstood financial products.

In this episode, Bryan Bibbo sits down with Clarity Insurance Marketing’s executive vice president, Kalem Mackey, CFP®. Today, Kalem discusses annuities and everything related to their advantages, disadvantages, risk, and maintenance components. 

In this episode, you will learn:

  • What annuities are and why they’re thought of as complicated
  • How to correctly and efficiently make use of annuities 
  • The main differences between variable, fixed, and fixed index annuities
  • Liquidity and time horizon as the main trade-off of annuities 
  • The risks and maintenance costs of annuities 
  • And more!

Listen in and learn the importance of annuities, why it’s important to work with an advisor, and why you should define the role of annuities within your financial plan! 


JL Smith Group | Bryan Bibbo | 440-934-9181 | Kalem Mackey, CFP® | Clarity Insurance Marketing