The Wealth Debrief ExchangeIs a Retirement Annuity Always the Right Answer for Surplus Pre-Retirement Contributions?For years, topping up retirement funds before tax year-end has been standard practice. The tax benefits are clear, but is it always the right move? In this edition of the Wealth Debrief Exchange, David Veary and Tiaan Herselman, CFP®, explore: Tax efficiency across different investment vehicles, how liquidity and post-retirement tax impact outcomes, why retirement annuities often suit younger clients and when endowments benefit high-income earners. There is no “one-size-fits-all” solution the real value is created by challenging assumptions and tailoring strategies to each client’s unique reality.