From Saturday's Show, Hour Two: 1:28 Market Shifts and Inflation Realities 3:23 Real Rate of Return Explained 5:10 Listener Call: Retirement Investment Strategies 8:07 Converting IRAs and Tax Planning 10:38 Social Security Decisions and Strategies 13:48 The Cost of Waiting for Social Security 15:56 Understanding Contingent Deferred Annuities 18:35 High Fees in Complex Annuities 19:58 Annuity Products and Their Risks 21:59 Listener Call: Inheriting Money and Risk 24:44 Risk Profile vs. Risk Tolerance 27:28 Evaluating Charitable Organizations 31:04 Year-End Giving Strategies 33:50 The Importance of Charity Transparency 37:07 Investment Fund Comparisons Learn more about your ad choices. Visit megaphone.fm/adchoices