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In this episode, we ask:
- Do you need the latest and greatest?
- Are you rocking a flip phone?
- How have interest rates affected crediting rates, caps and guaranteed lifetime income streams?
- Did you buy a contract in the low rate years?
- What are the new contracts offering with higher interest rates?
- Is it smart to run the numbers?
- What other everyday financial products need review?
- What is the insurance industry’s answer to a CD?
- What about income annuities?
- Is it time for an annuity refresh?
- Is it costly to shop around?
- What about fixed index annuities from 2005-2020 or so?
- What is the upside potential?
- Are interest rates the whole story for annuity products?
- What are the better caps and spreads?
- What never runs out?
- What is the bottom line?
- How about an example?
- What happened with inflation?
- Should all annuities be replaced?
- What is a surrender charge?
- Is the surrender charge worth it?
- Does the contract’s new features benefit you?
- Is the old one better?
- Has the interest rate environment changed in your favor?
- Is this worth a fresh look?
- What are the key takeaways?
Ben Berry is the owner of Berry Financial Services, LLC, where he helps individuals, families, and business owners take back control of their financial lives. As a Bank On Yourself® Professional and Safe Money Specialist, Ben focuses on building predictable, tax-advantaged wealth strategies designed to support long-term security and generational impact. His approach integrates advanced business planning, life insurance solutions, contingency capital, and asset-mapping to create clear, customized financial pathways. Known for translating complex concepts into practical guidance, Ben equips clients to make confident decisions in an uncertain world. He is passionate about education, relationships, and helping people build wealth they can depend on. 
Moneeka Sawyer is a TEDx speaker, an international best- selling author of the award-winning book “Choose Bliss: The Power and Practice of Joy and Contentment, and hosts a top rated podcast and nationally syndicated radio show. She has interviewed prestigious guests such as Leeza Gibbons, Dr. Joe Vitale, Hal Elrod, and Mark Victor Hansen, and has been interviewed on podcasts like Entrepreneurs on Fire with John Lee Dumas, Hal Elrod’s Achieve Your Goals, and the Best Real Estate Advice Ever show with Joe Fairless. Most recently she was featured on the cover of Forbes Magazine and in America’s Who’s Who. Moneeka’s expertise, and bliss-filled laugh, have also been featured on stages with Suzanne Somers, Martha Stewart, and Ice T & Coco at places like the Nasdaq Marketplace, Harvard, and Carnegie Hall, and on TV on NBC, CBS, ABC, and Fox impacting over 150 million people. Connect with Moneeka at 
Ciara Stockeland is a speaker, author, 4x Ironman and Fractional CFO for inventory based businesses. Ciara has owned and operated a business since her early teens. As a serial entrepreneur, her business mindset and tenacity led her to opening her first store in 2006 which she then franchised. Her vast experience in both retail and wholesale industries led her to launch the first to market wholesale subscription box for boutique retailers, which she built and sold within 18 months. Most recently Ciara has launched the Inventory Genius, a consulting program for inventory-based business owners and has published the books Inventory Genius and Profit Genius, both of which give practical steps for creating more profitability in an inventory based business.
