It May Be Time for a Financial Checkup It’s never a bad time to speak with your financial professional about changes in your situation. Share | Related Content Immediate vs. Deferred Annuities Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities. Insurance Needs Assessment: When You're Newly Married Marriage changes everything, including your insurance needs. Retirement Is a Beginning Key questions to answer when you are considering retirement.