Annuity ציבורי
[search 0]
עוד

Download the App!

show episodes
 
Fun With Annuities Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.
 
Loading …
show series
 
In this episode, The Annuity Man and Tom Hegna discuss: Saying no to DIY retirement What the right age for retirement is How annuity addresses inflation Securing guaranteed lifetime income with annuities Key Takeaways: Retirement is not a DIY project, do it with a professional. The age for retirement would not be the same for many. If you want to g…
 
In this episode, The Annuity Man and Bradley Birkenfeld discuss: Corruption in the government and our justice system The problem with bank secrecy and facts about the relationship between our government and bankers Getting incarcerated for doing the right thing Tax evasion in wealthy groups and how corruption happens in places The future of cryptoc…
 
In this episode, The Annuity Man and Dana Anspach discuss: Juicing your retirement money How can you know if you’re “retirement-ready” What are some things you have to consider when setting up your retirement plan The four percent rule Key Takeaways: Don’t underestimate what more you can juice from your retirement plan. You might very well end up w…
 
In this episode, The Annuity Man and Bob Powell discuss: The new normal of today’s interest rates Good tips and strategies for building your retirement fund Some insights on Cryptocurrency Special Purpose Acquisition Companies and Key Takeaways: Use the "bucket strategy" for a low but somewhat stable yield even in unstable times Be very careful on …
 
In this episode, The Annuity Man and Christine Benz discuss: Why Christine is so passionate about financial education and retirement portfolio planning. Why decumulation is not bad (and when it is a good thing). Retirement blindspots to be aware of. Staying mindful of additional, variable costs in your spending plan. Bucket approach investing and p…
 
In this episode, The Annuity Man and Dennis Miller discusses: What ROMEO is and how it influences Dennis and his writing. Why inflation is a personal thing. Diversifying for income guarantee and reducing risk. Answering the questions Dennis’s readers are asking. Key Takeaways: You must diversify if you are going to survive as a retiree and not rely…
 
In this episode, The Annuity Man discusses: How the COVID19 pandemic has affected retirement plans. The Retirement Watch newsletter and how it can help you. What DC is doing that can affect retirement. Inflation and adding inflation hedges to your portfolio. Key Takeaways: While the focus of retirement planning is on the financial side, that is the…
 
In this episode, The Annuity Man and John Lenz discuss: Spendthrift planning. Customizing the annuity contracts to achieve the specific goals you have in mind. Medicaid planning using annuities. Nonqualified stretch plans. Key Takeaways: There is nothing magical about the ability to manage money. It can be difficult regardless of the age of the ben…
 
In this episode, The Annuity Man and Bill Black discuss: What is happening in the life insurance space (especially during the current pandemic). How interest rates affect life insurance policies. Benefits of life insurance to the beneficiaries. What to watch out for in the sales pitch world of life insurance. Key Takeaways: Oftentimes, term insuran…
 
In this episode, The Annuity Man discusses: The historical journey of indexed annuities and how they’ve gotten to where they are today. The questions to ask your advisor about your indexed annuities. The golden rule of annuities - they have the gold, so they make the rules. The problems with backtested numbers. Key Takeaways: For anyone to say mark…
 
In this episode, The Annuity Man and Terry Savage discuss: The Money Lady’s opinion on the current markets. The creation of money, interest rates, and the US budget deficit. How technology has changed investing. The coming hot topic of long term care. Key Takeaways: You don’t have to beat the market to be successful, you need to be in the market. I…
 
In this episode, The Annuity Man and Jack Lenenberg discuss: The environment, products, and solutions in long term care currently available. The 6 daily functions of life and how they affect long term care. The best time to look into and apply for long term care. The answers to common questions that Jack is asked by customers. Key Takeaways: Your l…
 
In this episode, The Annuity Man and Paul Merriman discuss: Making decisions that are in your, individual, best interest. Understanding what you’re trying to achieve and what you want to do with your investments in the market. Navigating the forks in the savings road. Finding your good enough return. Key Takeaways: To be a successful long-term inve…
 
In this episode, The Annuity Man and Gary Baker discuss: The pricing of lifetime income. How mortality tables (life expectancy tables) work and function within annuities and life insurance. The future of the annuity industry. How Cannex works with carriers and some of the challenges with doing so. Key Takeaways: You buy a life insurance contract in…
 
In this episode, The Annuity Man discusses: Compliance at family offices, hedge funds, and other securities offices. Possible hiccups and downturns on the horizon. The misinformation around the 4% Rule. The research behind Barry’s book, The Pirates of Manhattan. Key Takeaways: Family offices have more assets (money under management) than hedge fund…
 
In this episode, The Annuity Man discusses: What cryptocurrency is and how blockchain works. Losing Bitcoin and the future of the cash dollar. Looking at cryptocurrency as an investment. Normalizing cryptocurrency with direct and indirect regulations. Key Takeaways: It is a speculation tool, an investment, but a very speculative one. That is, an in…
 
In this episode, The Annuity Man discusses: The relationship between annuities and inflation. Don’t believe the pitch, understand the contract. How you do address inflation with annuities. Laddering your annuities with staggered start dates. Key Takeaways: Interest rates do not have to go up, and there are arguments for both inflation and deflation…
 
In this episode, The Annuity Man discusses: The top questions to ask your advisor about annuities. Knowing which questions are deal-breakers from the beginning for advising you about annuities. The nuances and varieties of annuities. The reasons to ask these questions for your best contractual guarantees. Key Takeaways: All lifetime income streams …
 
In this episode, The Annuity Man discusses: Why we don’t care about the cash flow percentage that other sites put by their numbers. The best immediate annuities...and why they differ for everyone. Income floor vs. cash flow. Annuities as confidence products. Key Takeaways: Annuity companies have the big buildings for a reason - they are not giving …
 
In this episode, The Annuity Man discusses: What the 4% Rule is and how it affects you. Annuities are the only product that can provide a lifetime income stream. Figuring out what you need per month to know what your withdrawal strategies need to be. Understanding what you’re buying before you sign anything. Key Takeaways: Every person retiring nee…
 
In this episode, The Annuity Man discusses: The different types of annuities and how they can work for you in retirement. Understanding your specific goals and needs. Customizing your annuity for your individual needs. Combining an income floor with your social security. Key Takeaways: Upfront bonuses are just part of the contractual guarantee, not…
 
In this episode, The Annuity Man discusses: The original purpose of a variable annuity. The mess that has been caused by Transamerica now taking over these Vanguard annuities. Being careful about companies offering upfront bonuses on annuities. Holding on and not making rash decisions. Key Takeaways: Transamerica is the company that is now servicin…
 
In this episode, The Annuity Man discusses: How to know if you even need an annuity. Shopping all carriers for your specific situation. The 5 choices when you have a fixed index annuity with an income rider. Test-driving your annuity. Key Takeaways: There is no rush to buy an annuity, only to understand it. You will never know the ROI until you die…
 
In this episode, The Annuity Man discusses: Understanding how a fixed index annuity works, rather than how it is pitched. The dangers in backtested numbers (and why they should be illegal in all 50 states). Stripping away the complication of the fixed index annuity. Shopping around for your annuity and asking for a specimen policy. Key Takeaways: F…
 
In this episode, The Annuity Man discusses: What is meant when we talk about annuity rates. The three primary lifetime income products in the annuity world. Falling in love with the contractual number, no the carrier. Understanding what you’re trying to solve for and how rates apply to your specific situation. Key Takeaways: In the annuity world, “…
 
In this episode, The Annuity Man discusses: What an index annuity is. Buying the contractual reality, not the dream. Why renewal rates are the key to index annuities. The importance of understanding what the renewal rates are and why they matter. Key Takeaways: If you’re looking for an index annuity for accumulation, then you need to know about ren…
 
In this episode, The Annuity Man discusses: What a MYGA (Multi-year Guaranteed Annuity) is. The negatives to a MYGA. The length of time on a MYGA term. The hidden secrets of a MYGA. Key Takeaways: Multi-year guarantee annuities and fixed indexed annuities are both CD products. Interest rates do not have to go up, there is a good argument for them t…
 
In this episode, The Annuity Man discusses: What an income rider is (and it isn’t an annuity). The income rider versus the accumulated value side of the calculation table. The flexible nature of income riders. Taking the annuity payments when you need the income and transferring the risk. Key Takeaways: An income rider is an attachment to a contrac…
 
In this episode, The Annuity Man discusses: The simplistic nature of MYGAs. The end of term flexibility of a MYGA. Why you can’t broad brush all annuities. It is your money, you get to make the decisions. Key Takeaways: The commission is already built into annuity contracts, they can vary depending on the complexity of the annuity. For something li…
 
In this episode, The Annuity Man discusses: The best thing to do if you have inherited an annuity. Understanding the type of policy that you are inheriting. Spousal and non-spousal choices of an inherited annuity. Understanding the goals and the contractual guarantees of the annuity you have and what you want it to do. Key Takeaways: You have to hi…
 
In this episode, The Annuity Man discusses: Understanding the claims payability of the company that is offering the pension payment. Knowing what you want the money to contractually do. Owning an annuity for what it will do not what it might do. Telling what you want, not being told what you should do. Key Takeaways: About 80% of the time, with a p…
 
In this episode, The Annuity Man discusses: Investors vs annuity buyers. Understanding the contractual guarantees and making sure they work for you. Annuities are life expectancy based - you can’t time that. The things you can’t time and why they shouldn’t affect your choice of buying an annuity. Key Takeaways: Short answer - no, you can’t time you…
 
In this episode, The Annuity Man discusses: Having money in the stock market (even if you don’t have or need an annuity). Why you should be in the stock market, either managing yourself or having someone manage it for you. Understanding if you need an annuity and how to allocate and proportion your money. Diversification of risk and assets. The sto…
 
In this episode, The Annuity Man discusses: What a 401K is and how it affects your retirement. Market growth versus contractual guarantees. Shopping annuities like you shop for plane tickets. Understanding proportion and allocation. Key Takeaways: What do you want the money to contractually do? When do you want those contractual guarantees to start…
 
In this episode, The Annuity Man discusses: Laddering for principal protection vs. Laddering for lifetime income. The customizable nature of laddering annuities. What is looked at and strategies for laddering depending on what you want the contractual guarantee to do. Addressing inflation. Key Takeaways: There are no perfect answers, just really ba…
 
In this episode, The Annuity Man discusses: How life insurance and annuities differ, despite being sold by the same companies. The variance in the death benefits between life insurance and annuities. Ways in which life insurance and annuities can work together. Knowing what your goal is when buying life insurance and annuities. Key Takeaways: Annui…
 
In this episode, The Annuity Man discusses: Determining if you need an annuity. Annuities are not one size fits all - they are contractual guarantees. Taking care with the annuity sales pitches that are coming your way. Creating your Annuity Statement of Understanding. Key Takeaways: Every single day, over 10,000 Americans reach the age of 65. To d…
 
In this episode, The Annuity Man discusses: Types of annuities that are and are not transferable. Buying and transferring an annuity inside of an IRA. Only transferring if it is in your favor (not the agent’s favor). How Income Riders affect the transferability of your policy. Key Takeaways: You can transfer from one IRA to another as a non-transfe…
 
In this episode, The Annuity Man discusses: The misinformation around annuities. How buying an annuity is like buying a plane ticket. Maximizing results with annuity calculators. Using annuity calculators to get a feel for what the guarantees are. Key Takeaways: There is never an urgency to buy an annuity. The only urgency is to understand the cont…
 
In this episode, The Annuity Man discusses: The limitations and benefits of the different types of annuities. Knowing if an annuity is right for you or not. All of the annuities can be used in the different types of accounts out there - it just changes how it is taxed. Reverse engineering to plan your annuity. Key Takeaways: Annuities are the only …
 
In this episode, The Annuity Man discusses: Structuring your lifetime income payment to go to your beneficiary, not the evil annuity company. Life insurance versus annuity death benefits. Common death benefit choices. Beneficiary setups for annuity death benefits.   Key Takeaways: Annuities are contracts, it is up to you how you want to structure i…
 
In this episode, The Annuity Man discusses: Congratulations! You already own the best inflation annuity on the planet - Social Security! Shouldering or transferring your risk. One of the biggest mistakes that people make with annuities. Buying annuities for what they will do, not what they might do. Understanding what you are buying before you buy …
 
In this episode, The Annuity Man discusses: The importance of contractual guarantees driving your buying decision Why you should never buy annuities for potential market type growth What to be aware of at the “bad chicken dinner annuity seminars” How to protect yourself by creating your own “statement of understanding”   Key Takeaways: Indexed annu…
 
In this episode, The Annuity Man discusses: Why he offers both personal service and do-it-yourself choices How all annuity types are commodities Why you should make your decision solely on the contractual guarantees Why he believes annuities should be bought, not sold   Key Takeaways: Take your time and make the decision on your terms and your time…
 
In this episode, The Annuity Man discusses: How annuity companies are more regulated than banks Where annuity companies are required to put your money The US 10 Year Treasury Note and the role is plays with annuities The reason for surrender charges on deferred annuities Key Takeaways: Fixed annuity companies have 100% of your money available day o…
 
In this episode, The Annuity Man discusses: Why DC wants people to start planning for their retirement income How Qualified Longevity Annuity Contracts (QLACs) were the original idea The new “fiduciary safe harbor” provision, and what it means to you The original intent of Social Security payments in retirement Key Takeaways: If you have a Traditio…
 
In this episode, The Annuity Man discusses: Why Long Term Care coverage is a concern for many people The two different types of enhanced benefit type coverage How each of these annuity strategies work The limitation and benefits of both  Key Takeaways: The best coverage for Long Term Care is still traditional LTC “When you get sicker you get your m…
 
In this episode, The Annuity Man discusses: Why annuities should be purchased for their contractual guarantees Why annuities should never be purchased for market type growth How different annuity types are priced The different types of annuities, and what they contractually solve for Key Takeaways: There are no “one size fits all” annuity types If …
 
In this episode, The Annuity Man discusses: Why the buying decision should be based solely on contractual guarantees Always take the P.I.L.L. to determine if you need an annuity How you only need to answer 2 questions to find the right annuity type What “Will Do. Not might do.” means when considering annuities Key Takeaways: Annuities are transfer …
 
In this episode, The Annuity Man discusses: The five safest places to put your money How fixed annuity types are safe transfer of risk strategies How to determine if a carrier is safe Ways in which the annuity industry protects the consumer Key Takeaways: Always solve for the desired contractual guarantee Look at the carrier’s ratings, COMDEX score…
 
Loading …

מדריך עזר מהיר

זכויות יוצרים 2021 | מפת אתר | מדיניות פרטיות | תנאי השירות
Google login Twitter login Classic login