Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Don't Buy The Hype There are a lot of misconceptions about Social Security. Here’s the truth about three of them. What Is an Annuity? Annuities are versatile tools that can help you save for retirement and generate income in retirement. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.