Phil reviews the annuity platform and the different ways advisors can model annuities. He explains period-certain contracts, withdrawals as needed, lifetime income riders, and annuity layering through a case study. Phil shows how annuities can support income, protect legacy goals, and keep market exposure limited for conservative clients. He also discusses advisor and money-manager fee assumptions for upcoming client-facing material. Tom then answers detailed questions about qualified annuities, RMD treatment, annuitization rules, income riders, taxation, pre-retirement modeling, payroll taxes, contribution streams, and future software enhancements.