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The Kuderna Podcast is hosted by, Bryan M. Kuderna, author of What Should I Do with My Money? Economic Insights to Build Wealth Amid Chaos.  Be sure to follow us on social media, leave a review, subscribe and share The Kuderna Podcast with your friends!  Have a question or topic suggestion? Email us at

Aug 29, 2023

Registered Index-Linked Annuities (RILA) are the fastest growing segment of the annuity marketplace.  Bryan discusses the pros and cons of these new retirement planning vehicles and their popular "buffer" feature.

Individuals should review their plans on a case-by-case basis with professional assistance.  Please consult your attorney or tax advisor for specific tax or legal advice.

This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194

Registered index-linked annuities (RILAs) are sold by prospectus only. Before purchasing an annuity, you should consider the features of the contract, applicable investment options, index strategies, and investment objectives as well as the risks, charges, and expenses associated with the annuity and its investment options. The prospectus contains this and other information, which should be read carefully before investing. To request a prospectus contact your investment professional All annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are long-term investment designed for retirement purposes. With a RILA, there is a risk of loss of principal if negative index returns exceed the selected protection level.

#2023-160717 Exp. 8/25