Những podcast The Annuity Man hay nhất (2024)

1
Keep Your Powder Dry Annuity Income Planning: Shootin' It Straight With Stan 8:47

1d ago8:47

8:47

In this episode, The Annuity Man discussed: The value of annuities for lifetime income planning Laddering strategy with annuities Placing an annuity inside a trust Key Takeaways: When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility a…

1
Gary Baker: The Growth of Group and Fee-Based Annuities 49:48

2d ago49:48

49:48

In this episode, The Annuity Man and Gary Baker discuss: The Secure Act's role in making annuities more accessible within 401(k) plans Lifetime guaranteed income options within 401(k) target date funds The widespread inclusion of lifetime income options How annuities can alleviate pressure on Social Security Key Takeaways: The retirement landscape …

1
There’s NO Annuity Sweet Spot to Purchase: Shootin' It Straight With Stan 8:47

8d ago8:47

8:47

In this episode, The Annuity Man discussed: Annuities are contracts The perfect time to buy an annuity You can’t time contracts Key Takeaways: There is no "sweet spot" to purchase annuities, as all types have contractual guarantees that should be analyzed. Remember that annuities are contracts, not investments. The perfect time to buy an annuity is…

1
Transfer Your Risk to Annuity Contractual Guarantees: Shootin' It Straight With Stan 8:47

15d ago8:47

8:47

In this episode, The Annuity Man discussed: What annuities solve for Transfer of risk The three phases of retirement Key Takeaways: Annuities solve for PILL: Principal protection, Income for life, Legacy, and Long-term care. There’s no G for growth, or R for Returns. If you want growth and returns, do not buy an annuity of any type. Annuities are b…

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Jamie Hopkins: Retirement Planning And The Why That Makes You Cry (TAM Classic) 52:36

16d ago52:36

52:36

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,…

1
You Already Own At Least 2 Annuities: Shootin' It Straight With Stan 7:24

22d ago7:24

7:24

In this episode, The Annuity Man discussed: The best inflation annuity on the planet. The second annuity you already own RMDs are an annuity payment Key Takeaways: Annuities that adjust for inflation offered by the private sector have their initial payments drastically lowered to make up for the index increase. You don’t need to get that because yo…

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Get Your Annuity Income Ducks in a Row: Shootin' It Straight With Stan 11:56

29d ago11:56

11:56

In this episode, The Annuity Man discussed: What retirement is all about The ducks that you may already have Annuity income ducks Key Takeaways: Retirement, or chapter two of your life, is the time that you need money hitting the bank account so that you can go live your life. This chapter is going to be all about you, about your lifestyle, and abo…

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Marcia Mantell: Cookin' Up Your Retirement Plan 52:02

1M ago52:02

52:02

In this episode, The Annuity Man and Marcia Mantell discuss: The value of simplicity in understanding financial concepts Getting ready for the emotional aspect of retirement The key to financial success in retirement The importance of creating an estate plan Key Takeaways: If you can’t explain a concept or product simply to somebody who doesn’t liv…

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Your Retirement Plan Is Not an Annuity Game: Shootin' It Straight With Stan 12:46

1M ago12:46

12:46

In this episode, The Annuity Man discussed: The standard of a fiduciary Your retirement is not a game Annuities as guarantees and as commodities Key Takeaways: Be wary of people in the annuity industry who sell one product to every type of person. In most cases, the product they’re selling is the highest commission product. The annuity you buy has …

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Annuity Decisions Should Be Simple & Contractual: Shootin' It Straight With Stan 12:59

1M ago12:59

12:59

In this episode, The Annuity Man discussed: Buying contractual guarantees Keeping it simple with annuities Annuities that adjust for inflation Key Takeaways: Buy annuities only for their contractual guarantees. Don’t buy an annuity for hypothetical, theoretical, back-tested returns. Don’t buy an annuity for the upfront bonus. Buy an annuity for wha…

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Andy Panko: Financial Planning Demystified and Unemotional (TAM Classic) 52:26

1M ago52:26

52:26

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…

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Annuities Will Do What You Contractually Need: Shootin' It Straight With Stan 10:10

2M ago10:10

10:10

In this episode, The Annuity Man discussed: Don’t buy the dream Backtested numbers are not guaranteed What an annuity is for Key Takeaways: Do not buy hypotheticals, dream sales pitches, or back-tested returns. Do not buy the annuity dream because you're going to own the contractual reality. There’s no such thing as a “guaranteed and back-tested” r…

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Don’t Buy Annuity Hypothetical Returns: Shootin' It Straight With Stan 14:05

2M ago14:05

14:05

In this episode, The Annuity Man discussed: Annuities are contracts How Indexed Annuities should be used Don’t buy an annuity for market returns Key Takeaways: To say that something is “guaranteed and backtested” means that there is nothing guaranteed at all. Annuities are contracts, buy them for what they will do and not what they might do. Indexe…

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Terry Savage: The Savage Truth For Your Money in 2024 53:42

2M ago53:42

53:42

In this episode, The Annuity Man and Terry Savage discuss: 401k and annuities What does it mean to be a fiduciary? Annuities are commodity products Always have some chicken money Key Takeaways: When you are in the accumulation phase, there should be no limitations at all on the upside. You’re better off focusing on accumulation during the 401k time…

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Annuities Can Have Flexible Income Start Dates: Shootin' It Straight With Stan 11:07

2M ago11:07

11:07

In this episode, The Annuity Man discussed: The four lifetime income products How annuities are priced The simplicity of SPIA Getting the highest guarantee Key Takeaways: There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attach…

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Belt & Suspenders Annuity Strategies: Shootin' It Straight With Stan 13:11

2M ago13:11

13:11

In this episode, The Annuity Man discussed: State guaranty funds The true safety of the industry Life insurance companies are more regulated Assigning unused money to beneficiaries Key Takeaways: If you look at the state guaranty fund, each state has a specific rule in place to protect you and your money in case something happens to the carrier. Yo…

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Christine Benz: Avoiding Blind Spots in Your Retirement Portfolio Planning (TAM Classic) 50:13

2M ago50:13

50:13

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…

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Exchange Your Income Rider for a SPIA: Shootin' It Straight With Stan 12:19

3M ago12:19

12:19

In this episode, The Annuity Man discussed: The Income Rider and the accumulation value Two numbers you need before you transfer to SPIA Calculating a SPIA quote When you should transfer to a SPIA Key Takeaways: The Income Rider is an attachment to a policy that guarantees a lifetime income stream but it’s a separate calculation from the accumulati…

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Swallow the Seminar Food, NOT the Annuity Pitch: Shootin' It Straight With Stan 11:13

3M ago11:13

11:13

In this episode, The Annuity Man discussed: Swallowing the food but not the pitch Annuities are never one-size-fits-all Focusing on contractual guarantees Key Takeaways: If you ever get invited to an annuity “seminar”, then remember to swallow the food but not the pitch. Don’t be swayed by misleading terms and enticing promises. When it comes to an…

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Chuck Jaffe: Top Money & Life Topics for 2024 55:36

3M ago55:36

55:36

In this episode, The Annuity Man and Chuck Jaffe discuss: Politics and economy Looking into how inflation affects you How Indexed Annuities should be used The question for cryptocurrency Key Takeaways: Politics don’t create the economy. There are a lot more factors that go into it than just who is in power. Economic forecasts sometimes become inacc…

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Increase Your Annuity Income Floor as You Age: Shootin' It Straight With Stan 13:03

3M ago13:03

13:03

In this episode, The Annuity Man discussed: Creating a solid income floor for retirement Considering your income Many ways to create income Key Takeaways: Going into chapter two of your life, you have to do your own thing. Stop keeping score. You’ve already won the game, you already have enough money, so why are you still playing? It’s important to…

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Annuity Income: Return OF or ON Your Money?: Shootin' It Straight With Stan 13:06

3M ago13:06

13:06

In this episode, The Annuity Man discussed: Lifetime income and principal protection Return of your money Peeling of the interest to solve income needs Key Takeaways: Annuities aren’t only for lifetime income, some products just protect the principal like a MYGA or a Fixed Annuity. With lifetime income, annuity companies are on the hook to pay a re…

1
Stan The Annuity Man: The Annuity Man Predictions for 2024 36:05

3M ago36:05

36:05

In this episode, The Annuity Man discussed: Planning with simplicity Annuity products overview Consumer-focused future of annuities Tuning out the noise Key Takeaways: Lifetime income is priced primarily on your life expectancy and interest rates play a secondary role in pricing. Shop all carriers for the highest contractual guarantee, don’t gamble…

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The 2 Questions That Make Annuities Simple: Shootin' It Straight With Stan 10:42

4M ago10:42

10:42

In this episode, The Annuity Man discussed: Annuities solve for PILL Two questions that make annuities simple Commoditizing annuities Key Takeaways: Annuities are simple; they’re a transfer of risk contract that primarily solves four things: principal protection, income for life, legacy, and long-term care. You don't need an annuity if you don’t ne…

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Annuities Are for Do-It-Yourselfers: Shootin' It Straight With Stan 11:10

4M ago11:10

11:10

In this episode, The Annuity Man discussed: Annuities are DIY products Focus on the contractual guarantees Commoditization of annuities Key Takeaways: Annuities are do-it-yourself products that don’t need any management fees. If an agent asks for management fees, you must ask them to explain why they included that charge. You own an annuity for wha…

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Tom Hegna: Don't Worry, Retire Happy! (TAM Classic) 50:29

4M ago50:29

50:29

In this episode, The Annuity Man and GUEST 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 get t…

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Lovingly Handcuffing Your Beneficiaries with Annuities: Shootin' It Straight With Stan 8:16

4M ago8:16

8:16

In this episode, The Annuity Man discussed: Protecting your beneficiary from dumb choices How Stan lovingly handcuffs his beneficiaries Handcuffing your loved ones is good for them Key Takeaways: Lovingly handcuffing your beneficiaries with annuity guarantees protects them from making dumb decisions with lump sums. Stan has written in the trust tha…

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Annuity Light Switch Income Guarantees: Shootin' It Straight With Stan 9:26

4M ago9:26

9:26

In this episode, The Annuity Man discussed: Why would you want to stop taking in income? Three types of irrevocable income lifetime income teams Light-switch Annuity Products Key Takeaways: There’s a myriad of reasons why you would want to stop taking income, and there are annuity reasons that allow for this. One reason could be if tax laws change …

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Michael Finke: Why Annuities Make Sense Right Now (TAM Classic) 49:27

4M ago49:27

49:27

In this episode, The Annuity Man and Michael Finke discuss: Annuities are more attractive today Protecting your future lifestyle Cutting little slices on the birthday cake There’s no perfect product to solve for inflation Key Takeaways: At the time of this episode’s taping, near-retirees can lock in 5.2% on five-year MYGAs for the next five years; …

1
Planning Lifetime Income for Your Spouse: Shootin' It Straight With Stan 8:57

4M ago8:57

8:57

In this episode, The Annuity Man discussed: Annuities for your spouse and loved ones Throwing darts at death Planning for cognitive decline Filling in financial gaps Key Takeaways: Using a trust, you can set up an immediate annuity purchase to trigger when you pass away to provide lifetime income for your spouse using a designated lump sum. You can…

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MYGA-2-SPIA for Full-Control Annuity Income: Shootin' It Straight With Stan 12:18

5M ago12:18

12:18

In this episode, The Annuity Man discussed: What are MYGAs and SPIAs? Annuities are contractual commodities MYGA to SPIA Key Takeaways: A MYGA, Multi-Year Guaranteed Annuity, is the annuity industry's version of a CD. The good news about MYGAs is that the interest rate is locked in and non-callable. This means that when interest rates go down, you’…

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Moshe Milevsky: Learning from History with Annuities (TAM Classic) 53:47

5M ago53:47

53:47

In case you missed it, I have decided to circle back to one of my Fun With Annuities episodes that just cannot be missed. This one has annuity gold, and it is definitely a must-listen. In this episode, The Annuity Man and Moshe Milevsky discuss: The problem with annuities What’s a tontine? How income increases with tontines The gap between healthsp…

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The Older You Are, the Higher the Annuity Payment: Shootin' It Straight With Stan 12:09

5M ago12:09

12:09

In this episode, The Annuity Man discussed: Claiming your social security You can’t time annuities Three phases of retirement Key Takeaways: Social security payments get higher if you wait until 70 because you’re older which means that your life expectancy is less, meaning that there are fewer projected payments. Fewer payments mean that those paym…

1
Annuities Are Contractual Commodities: Shootin' It Straight With Stan 12:52

5M ago12:52

12:52

In this episode, The Annuity Man discussed: Owning an annuity for what it will do Annuities are a commodity product Don’t swallow the pitch Key Takeaways: You should own an annuity for what it will do, not what it might do. When you strip down annuities to the contractual guarantees, only then will it become commoditized. Annuities should be quoted…

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Wade Pfau - Retirement Income Style Awareness (Holiday Regift) 55:58

5M ago55:58

55:58

The holidays are here, and so is this fan-favorite throwback! Take a trip down memory lane with this re-uploaded video - the perfect way to celebrate the break. In this episode, The Annuity Man and Wade Pfau discuss: Retirement Income Style Awareness (Risa) framework Wade’s different viewpoint on retirement 4% rule of thumb and its limitations The …

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Annuity Contractual Guarantees Are NOT Complicated: Shootin' It Straight With Stan 9:16

5M ago9:16

9:16

In this episode, The Annuity Man discussed: Explain your annuity to a nine-year-old Why annuities seem complicated Ask for contractual guarantees Don’t buy an annuity for market return Key Takeaways: You should be able to explain the annuity that you’re getting ready to buy or considering buying to a nine-year-old. You should be able to explain the…

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Date the Annuity Rate…Marry Lifetime Income: Shootin' It Straight With Stan 10:38

6M ago10:38

10:38

In this episode, The Annuity Man discussed: Marrying the lifetime income Dating the rate MYGAs are not callable Key Takeaways: Buying an annuity for lifetime income is like marrying a company. When marrying an annuity company for lifetime income, the company has to be A+ or better, except for a few exceptions. A MYGA is the annuity industry’s versi…

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John Lenz: The State of The Annuity Union 50:01

6M ago50:01

50:01

In this episode, The Annuity Man and John Lenz discuss: Don’t lose track of your renewal rate Laddering Multi-Year Guarantee Annuities Reasons for buying a QLAC Suitability regulations Key Takeaways: Insurance companies are for-profit institutions. Historically, insurance companies have renewed annuities at a lower rate than new money rates, but no…

8M ago32:23

32:23

In this episode, The Annuity Man discussed: Why QLACs should be number one Three reasons to buy a QLAC The downsides of a QLAC Key Takeaways: If agent commission didn’t come into play, QLACs would be the number one best-selling annuity product. It’s simple, pro-consumer, and works; it’s a product that focuses on the “will do” and not the “might do.…

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