Phillip Roy Financial Consultants: Your annuities are fine but if you aren’t using them, your annuities are a huge tax trap – Your advisor probably doesn’t understand the tax implications – an expensive lack of knowledge that will hurt your spouse and heirs.www.philliproyfinancialconsultants.com/phillip-roy-financial-consultants-here-with-new-tips-on-retirement-planning-and-annuities/