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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.
 
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show series
 
In this episode, The Annuity Man discussed: You can’t hate all annuities Who invented PIGs? The four PIGs Adding to your income floor Key Takeaways: Just to recap, you already have an annuity, and there’s no way you could hate all annuities when there are a lot of kinds out there. The Romans invented the original portfolio income guarantee. The gov…
 
In this episode, The Annuity Man and Heather Schreiber discuss: Insolvency in the future When should you claim? Consulting with experts Collecting survivor benefits Key Takeaways: Somewhere in the years 2034 and 2035, social security will experience insolvency if nothing changes in the present. This is not as dire as it sounds; insolvency will only…
 
In this episode, The Annuity Man discussed: Financial racism/classism in the annuity industry The responsibility of companies Don’t rush buying an annuity Hiring a trustworthy expert Key Takeaways: Financial racism/classism is going on in the industry these days. People who have worked their whole life that are not particularly financially savvy ar…
 
In this episode, The Annuity Man and Rick Ferri discuss: Outperforming 90% of investors Developing a simple portfolio Five ways to improve your portfolio Facing the risks Key Takeaways: Investing is not as difficult as others would have you believe. The best way to invest is to keep things simple; the fewer moving parts, the better. Develop a simpl…
 
In this episode, The Annuity Man discussed The two primary functions of an annuity Don’t time it; ladder it Annuities are based on life expectancy When life expectancy tables change against you Key Takeaways: There are two primary functions for an annuity: principal protection or income for life. Never buy an annuity for market growth. Don’t time i…
 
In this episode, The Annuity Man and Dana Anspach discuss: Don’t blame the hammer Overcoming confirmation bias Avoiding “perfect” products Long view financial planning Key Takeaways: Don’t blame the hammer. It’s easy to blame the tool, but many other variables come into play if it doesn’t work. It could be that the person using the tool lacks exper…
 
In this episode, The Annuity Man discussed: How annuity companies buy bonds for you Accessing industrial-grade bonds Interest rates play a secondary role Potential or contractual increases Key Takeaways: You can’t open an account with an annuity company and have them buy bonds for you, but when you sign a contract for an annuity they’ll buy bonds o…
 
In this episode, The Annuity Man and Ted Benna discuss: From spender to saver Getting more money in the long run Employees should care about employees Investing faster in your retirement Key Takeaways: The biggest help that 401k’s have provided is that they converted employees from being spenders into savers. A 401k plan enables an employee to esse…
 
In this episode, The Annuity Man discussed: Social security is a lifetime income stream The annuity that most are unaware of Your pension is your third annuity Do you still need an annuity then? Key Takeaways: The first annuity that you already own is Social Security. By definition, Social Security is a lifetime income stream that will pay you as l…
 
In this episode, The Annuity Man and Amanda-Jo Wilt discuss: Your most important asset Removing the barriers to health Weight acceptance and promoting health The problem with alcohol Key Takeaways: Your overall most important asset is your health. Invest in it, or you’ll lose out on enjoying your retirement. The best way to achieve a healthy lifest…
 
In this episode, The Annuity Man discussed: Why do they sell you indexed annuities? Letting CPAs stay in their lane Listening to the right people No good reason to sell Key Takeaways: Your CPA should not be involved in financial advice. There is a reason why they often sell indexed annuities, and that’s because they’ll get the highest commission fr…
 
In this episode, The Annuity Man and Steve Vernon discuss: The Scrooge McDuck Syndrome Facing your reality Focusing on the future Maximizing your social security Key Takeaways: The problem with decumulation is foremost a psychological one. People feel better seeing that account with money sitting there, but you have to turn the switch and spend it …
 
In this episode, The Annuity Man discussed: What are interest rates? Payout rates and lifetime income Focusing on the monthly income You can’t beat the annuity companies Key Takeaways: Interest rates have to do with multi-year guarantee annuities, the annuity industry’s version of a CD. You will be locked in at a guaranteed interest rate. The payou…
 
In this episode, The Annuity Man and Paul Merriman discuss: The seven big things you need to know about investment Putting children on a glide path Avoiding market-timing Investing is simple Key Takeaways: Figure out a way to identify what equity asset classes you should have and figure out how to put them together. Everyone needs a glide path, and…
 
In this episode, The Annuity Man discussed: What does Inverted Annuity Yield Curve mean? An opportunity in current events Are A++ companies too big to fail? Annuities are not bonds Key Takeaways: An Inverted Annuity Yield Curve is when the two-year treasury rate is higher than the ten-year treasury rate. Typically when that happens, that’s a pre-de…
 
In this episode, The Annuity Man and Peggy Nicholson discuss: Lying in a shallow grave How to live like you’re dying Letting money complicate your life Stop waiting for yourself to be ready Key Takeaways: Envision yourself lying in a shadow grave and reflect. Think about your legacy and the people you’ll leave behind. What are some things that came…
 
In this episode, The Annuity Man discussed: The CBDC initiative The taxing of cryptocurrency Cryptocurrency is not going away How blockchain can affect annuities in the future Key Takeaways: Putin using cryptocurrency to thwart US banking has led the administration to be aggressive with going in the direction of digital currency. Since the governme…
 
In this episode, The Annuity Man and Charles Rotblut discuss: Creating your own financial plan Finding your real risk tolerance History repeats itself Crypto is purely speculative Key Takeaways: Prioritize your goals, recognize your risk tolerance, and identify your investment management preferences. Don’t be distracted by shiny objects, and rememb…
 
In this episode, The Annuity Man discussed: Annuities are customizable An example of life with cash refund What does it mean to get a joint-life policy Options and choices when getting an annuity Key Takeaways: A life-only contract means that the annuity company is on the hook to pay as long as you’re breathing, but the money goes away when you die…
 
In this episode, The Annuity Man and Andy Panko discuss: How advisors should construct their fees The complexity of decumulation Making the plan as good as it can be Cryptocurrency is a lottery ticket Key Takeaways: The work isn’t linear to the asset size; advisors shouldn’t make more money just because assets go up. In the same way, advisors shoul…
 
In this episode, The Annuity Man discussed: What are Black Swan Events? How current events affect everything Making a decision solely for your life Considering guarantees always Key Takeaways: When something strange happens, something you’re not prepared for, something you’re not used to seeing, or an event that’s entirely unique, then it’s a black…
 
In this episode, The Annuity Man and Michael Finke discuss: Delaying your decision to claim Insulating your income from volatility Inflation is personal Consequences of not annuitizing Key Takeaways: If you have a good reason to expect that you’re not going to live as long as an average American, then it makes sense to claim early. Unless, you have…
 
In this episode, The Annuity Man and Terry Savage discuss: Responding to the IRS return delays Managing your beneficiaries The opposite of tempting fate Setting an example Key Takeaways: Don’t go refiling your returns. Just be patient; your refund from last year will come eventually with 3% interest. Go to IRS.GOV and look for "sign in to my accoun…
 
In this episode, The Annuity Man and Bill Black discuss: The predictability of death Long-term care rider Beating life insurance with investing Being wary of “tax-free income” Key Takeaways: Death is predictably imminent. We’ll never know when we’ll pass or if we’ll be needing long-term care somewhere along with our life. That’s why it’s best to ge…
 
In this episode, The Annuity Man and Allan Roth discuss: Minimizing expenses and emotions Social security is the best annuity Monte Carlo simulation method Some simple investing principles everyone should know Key Takeaways: Minimize expenses and emotions to maximize results. You need discipline and emotional fortitude to stay the course and not pa…
 
In this episode, The Annuity Man and Owen Schrum discuss: Correction and volatility in 2022 Blockchain and cryptocurrency What’s causing supply chain problems? The most critical time for investing Key Takeaways: We will see a big increase in volatility this year and at least two corrections in 2022. Corrections are when the market goes down 10% or …
 
In this episode, The Annuity Man and Gary Baker discuss: The bowling analogy Four different types of protection Contracts that serve the consumer’s need Comparing annuity programs Key Takeaways: Getting a new index annuity is like going bowling and asking to put bumpers on both sides so you wouldn’t get a gutter bowl. There are literally zero downs…
 
In this episode, The Annuity Man and Jeff Miller discuss: Benefitting from an expert’s guidance Inflation and increases in rates Correcting the social security issue Deciding when to retire and when to claim social security Key Takeaways: Consult with experts in social security to get as much valuable information as you need and generate the most o…
 
In this episode, The Annuity Man and John Lenz discuss: What does laddering mean? Lowering risk until it’s nonexistent Hybridization of annuities Annuity industry standards Key Takeaways: Laddering is when you commit to pushing out your money when it becomes liquid into the long end of your ladder and recycling fixed income or annuities to keep you…
 
In this episode, The Annuity Man and Ellie Saul discuss: The difference between medicare and medicaid Selling and educating Being on guard for misinformation Getting the most out of your medicare Key Takeaways: Medicare is health care for people who are 65 or older, or someone who had a permanent disability for 24 consecutive months or has a specif…
 
In this episode, The Annuity Man discusses: How the application process has changed with changing and evolving technologies. Putting your trust and money with the carrier (and choosing your carrier wisely). Time frames on buying an annuity. Frustrations in the application and annuity process. The future of direct to consumer annuities. Key Takeaway…
 
In this episode, The Annuity Man and Michael Finke discuss: Two choices in retirement The worst case scenario in retirement Thrift is good until it isn’t Difference between annuities and investments Key Takeaways: There’s only two things you can do with your money in retirement - spend the money and live better or pass it on. Focus on what a produc…
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Avoiding upfront bonuses Prioritizing the interests of the consumer Market-like returns The worst-case scenario for annuities Key Takeaways: Don’t let yourself be fooled by upfront bonuses and not everybody needs an income rider. Be reminded that the purpose of annuities is to transfer your ri…
 
In this episode, The Annuity Man and David Blanchett discuss: People’s irrational preference A gap between perceived and actual ability Is cryptocurrency going to last? Investing when there are low yields Key Takeaways: In theory, people should be indifferent between spending down your portfolio and living off of it - but investors aren’t always ra…
 
In this episode, The Annuity Man and Jason Fichtner discuss: Preparing for depletion Preaching to a hurricane Maximizing returns and minimizing risks The real danger zone Key Takeaways: There’s going to be depletion in combined trust funds in 2024. In response to this, you can delay claiming your social security until you absolutely need it, you ca…
 
In this episode, The Annuity Man and Steve Parrish discuss: People don’t understand annuities Preparing for diminished capacity Life expectancy is good and getting better Managing your retirement plan Key Takeaways: Annuities are not an investment, it’s a form of insurance that makes investments even better. Address problems in advance while you st…
 
In this episode, The Annuity Man and Bob Carlson discuss: Current taxation and retirement climate Changes in Roth IRA rules Strategies you can use to get around IRA changes Donor-advised funds and some investment strategies Key Takeaways: A lot of proposals are being thrown around, but the votes even out enough to not allow anything to be done yet.…
 
In this episode, The Annuity Man and Leah Brandt discuss: Seeing things from the client’s perspective When annuities are bought Making annuities easier to understand Never doing things in moderation Key Takeaways: If you want to provide excellent service, always ask yourself what you would want if you were the client or what you would want to know …
 
In this episode, The Annuity Man and Jack Lenenberg discuss: The truth about long-term care Transferring annuity to annuity with an IRS 1035 exchange Traditional versus annuity with long-term care The full customizability of long-term care Key Takeaways: Long-term care plans are flexible, benefits are guaranteed and you can set up the plan so that …
 
In this episode, The Annuity Man and Terry Savage discuss: Is inflation going to be transitory? Getting ready for a collapse The Great Resignation Technology’s effect on markets Key Takeaways: We have a lot of components of permanent inflation being injected into the economy along with the shortages of goods. No one knows for sure that a collapse i…
 
In this episode, The Annuity Man and Tom Hegna discuss: Mortality credits: the secret sauce of annuities Trends in life expectancy Predicting the economy and preparing for market downs Making healthy choices for a happy retirement Key Takeaways: The mortality credits are probably the highest that we’re going to see for the rest of our lives, there’…
 
In this episode, The Annuity Man and Jamie Hopkins discuss: ROS - Return on Sleep From an accumulation to a decumulation mindset Living your retirement meaningfully Changing your relationship with money Key Takeaways: People often don’t care about optimal, people care about being happy. Giving people a good retirement experience, a Return On Sleep,…
 
In this episode, The Annuity Man and Loren Feldman discuss: Entrepreneurs and retirement Investing for business owners Passion and confidence on business Measuring your risk Key Takeaways: Plan for the next chapter. Retirement brings about many opportunities that would otherwise be difficult or impossible. Many entrepreneurs love taking risks but b…
 
In this episode, The Annuity Man and Wade Pfau discuss: Success in retirement RISA - Retirement Income Style Awareness Funding long-term care Reverse mortgages and risk pooling Key Takeaways: Retirement doesn't only mean stopping work, it's about being able to do what you want. Three retirement strategies: Total return investment strategy, time seg…
 
In this episode, The Annuity Man and Dan Prescher discuss: Planning for travelling internationally Travelling internationally as a lifestyle change Minimalism and happiness Joining communities abroad Key Takeaways: Research is the key, start by ruthlessly profiling yourself and ask yourself what you can do without and what you can’t do without. If …
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Running away from lies and half-truths “Guaranteed increasing income” and other misleading statements Knowing how much you’ll really earn Why people choose annuities Key Takeaways: If anybody tells you that what they’re selling has “no downsides” - run away, don’t listen. Everything they're te…
 
In this episode, The Annuity Man and John Lenz discuss: How people reacted to the new payroll tax rule for LTC in Washington state. Live, die, quit - find out what that means Making mathematical decisions for your retirement Key Takeaways: Live, die, quit. If you live, and you need long term care services, you’ll benefit. If you die, your family wi…
 
In this episode, The Annuity Man and Kerry Pechter discuss: What is the Bermuda Triangle Strategy? How the Bermuda Triangle Strategy will affect you. The problem with the annuity industry. Prioritizing the consumer over anything. Key Takeaways: The points of the triangle are: a life/annuity company with large in-force, “blocks” of (usually) fixed a…
 
In this episode, The Annuity Man and Chuck Jaffe discuss: Some good examples of bad investments Issues with cryptocurrency Understanding indexed annuities Interest rates and inflation Key Takeaways: Some investments are unjustifiable and unnecessary. Cryptocurrency isn’t that different from gift checks, except you can actually spend gift checks. On…
 
In this episode, The Annuity Man and Owen Schrum discuss: The Retirement Crisis The Free Paradigm Unteaching things that people thought wrong Growth and guarantees - the truth about Structured Investments Key Takeaways: The retirement crisis cannot be solved by Social Security, you have to be the one to save yourself from this crisis with strategy,…
 
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