Annuities are, admittedly, complex and confusing. They are often misunderstood, and even improperly designed and sold to uninformed clients by ill-informed agents. These confusing and sometimes bad experiences have caused some to shy away from using this powerful asset protection and income-producing tool. In retirement, the challenge begins when you look to turn your hard-earned assets into a reliable and worry-free income for life. Or perhaps you’re just looking to outpace inflation without risking a major setback due to market losses.