Many CPA planners are skeptical of Variable Annuities, and therefore disregard them as a financial planning possibility. This mostly due to higher costs and a skepticism of investing inside insurance products. The presentation will highlight both the negative and positive aspects of variable annuities. Attendees will get a better understanding of the negatives and perceived negatives of variable annuities. They will also be presented with benefits of variable annuities that are not offered with any other product. There will be a review of case studies in which the presenter has utilized variable annuities, with an explanation as to why a variable annuity was the correct solution.