Dave Ramsey Hates Annuities, So Why Do So Many Smartvestor Advisors Sell Them? Dave Ramsey doesn’t…

Dave Ramsey Hates Annuities, So Why Do So Many Smartvestor Advisors Sell Them?

Dave Ramsey doesn’t like annuities. Yet, Ramsey’s Smartvestor program, a network of Ramsey endorsed financial advisors, is filled with advisors who sell these products. If you’re a retiree looking for good financial planning advice - where do you turn?

In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, went on the Ramsey SmartVestor site and found that a significant number of referred advisors sell the very same fixed index annuities that Ramsey warns against.

What you’ll learn in this video:

👿 The conflict of interest at the heart of the Ramsey SmartVestor program.
❌ Why fixed index annuities (FIAs) often benefit the advisor more than the client.
💲 The crucial difference between an advisor who claims to be a fiduciary and a Fee-Only Fiduciary who is never conflicted by commission compensation and who always puts your interests first.

Ready to create a customized retirement plan that is free of commission conflicted compensation?

📞Book a Call with Mike Palmer, CFP®
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🕐Timestamps
[00:05] Introduction: Dave Ramsey’s Questionnable Financial Advice on Social Security & Sustainable Withdrawal Rates
[00:44] Ramsey Smartvestor Pros: A “Pay to Play” System
[01:32] Dave Ramsey’s Stance on Annuities
[03:10] The SmartVestor Paradox: Advisors Selling the Same Products Ramsey Says to Avoid
[04:17] The Fiduciary Misdirection: Why Fiduciary Isn’t the Same as Fee-Only
[04:45] The Ark Royal Difference: Fee-Only Oath & Always Working in the Client’s Best Interest - NEVER ANY COMMISSIONS

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

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Disclaimer: This content is for educational purposes only and is not intended as financial, tax, or legal advice. Please consult with a qualified professional for advice tailored to your specific situation.

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🔎 Related Phrases:

#daveramsey #smartvestor #retirementplanning #fiduciary #fixedindexannuity

https://www.youtube.com/watch?v=d8Zhwl6FC10

via Ark Royal Wealth Management
https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg
November 04, 2025 at 01:35AM

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