by The Annuity Man
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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Publishing Since
10/7/2019
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April 30, 2025
<p dir="ltr">In this episode, The Annuity Man discussed: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">An overview of Deferred Income Annuities</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Finding the best fit </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Income Riders attached to Indexed Annuities</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">Key Takeaways: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">DIAs are essentially single-premium immediate annuities deferred past one year. It has no moving parts, no annual fees, and no market attachment, making it a straight transfer of risk for lifetime income. DIAs can be used in Roth and traditional IRAs, and are taxed based on the account type.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">DIAs are efficient, no-cost, no-fee transfer-risk pension products that can be deferred for up to 40 years. Compare DIAs and income riders on Fixed and Indexed Annuities to find the best fit based on contractual guarantees and flexibility.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Income Riders attached to Indexed Annuities provide future income needs. Income Riders are separate ledgers that cannot be cashed in or transferred, but can be used to determine a lifetime income stream. They offer flexibility, such as a 10% free withdrawal annually, but this can disrupt the income rider guarantee.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Compare both DIAs and income riders using the four filters: contractual guarantees, carrier ratings, flexibility, and fees. </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">"Don't fall for sales pitches. These are contractually guaranteed commodity products. There's not one that's better than the other, and if you use those four filters, you're going to make a good decision." — Stan The Annuity Man. </p> <p dir="ltr"> </p> <p dir="ltr">Connect with The Annuity Man: </p> <p dir="ltr">Website: <a href= "http://theannuityman.com/">http://theannuityman.com/</a> </p> <p dir="ltr">Email: <a href= "mailto:[email protected]">[email protected] </a></p> <p dir="ltr">Book: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">Owner’s Manuals</a>: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">https://www.stantheannuityman.com/how-do-annuities-work</a></p> <p dir="ltr">YouTube: <a href= "https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g">https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g</a> </p> <p><strong id= "docs-internal-guid-0d5889e7-7fff-3e8c-6162-4f2c4454279b">Get a Quote Today: <a href= "https://www.stantheannuityman.com/annuity-calculator">https://www.stantheannuityman.com/annuity-calculator!</a></strong></p>
April 29, 2025
<p dir="ltr">In this episode, The Annuity Man discussed: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The value of annuities for lifetime income planning </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Laddering strategy with annuities </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Placing an annuity inside a trust </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">Key Takeaways: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">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 and the ability to adapt to changing circumstances.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">"It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed Annuity." — Stan The Annuity Man. </p> <p dir="ltr"> </p> <p dir="ltr">Connect with The Annuity Man: </p> <p dir="ltr">Website: <a href= "http://theannuityman.com/">http://theannuityman.com/</a> </p> <p dir="ltr">Email: <a href= "mailto:[email protected]">[email protected] </a></p> <p dir="ltr">Book: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">Owner’s Manuals</a>: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">https://www.stantheannuityman.com/how-do-annuities-work</a></p> <p dir="ltr">YouTube: <a href= "https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g">https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g</a> </p> <p dir="ltr">Get a Quote Today: <a href= "https://www.stantheannuityman.com/annuity-calculator">https://www.stantheannuityman.com/annuity-calculator!</a> </p> <p> </p>
April 23, 2025
<p dir="ltr">In this episode, The Annuity Man discussed: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Should you purchase I Bonds? </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Treasuries are as safe as it gets </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Five places to put your money </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Inflation is personal </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">Key Takeaways: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Purchasing I Bonds is a no-brainer. Go to treasurydirect.gov to buy direct from the treasury I Bonds. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Treasuries are as safe as it gets because they can tax us and confiscate our money to pay them off, and that would happen if we needed to do that. The downside to I Bonds is that they don’t allow you to put as much money in them. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">There are only five legitimate places to put your money that protects the principal and that you’re not going to lose a dime, and you’re going to get an interest rate. Those five are money markets, CDs, fixed-rate annuities - also called MYGAs, treasuries, and Triple A-Triple A insured municipal bonds.</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Inflation is personal. Don’t get too caught up on inflation because most people in retirement will not be affected that much by it. Ask yourself if you’re being affected by it, or are you overplanning? </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">"If it’s a no-brainer, then it’s a no-brainer, and I-Bonds are the ultimate no-brainer. You can do it every year, so why not put it on your calendar and do it every year? It just makes sense. " — Stan The Annuity Man.</p> <p dir="ltr"> </p> <p dir="ltr">Connect with The Annuity Man: </p> <p dir="ltr">Website: <a href= "http://theannuityman.com/">http://theannuityman.com/</a> </p> <p dir="ltr">Email: <a href= "mailto:[email protected]">[email protected] </a></p> <p dir="ltr">Book: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">Owner’s Manuals</a>: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">https://www.stantheannuityman.com/how-do-annuities-work</a></p> <p dir="ltr">YouTube: <a href= "https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g">https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g</a> </p> <p><strong id= "docs-internal-guid-ea0098bb-7fff-437a-8276-1a8b0d54d000">Get a Quote Today: <a href= "https://www.stantheannuityman.com/annuity-calculator">https://www.stantheannuityman.com/annuity-calculator!</a> </strong></p>
Wade Pfau & Alex Murguia
Jim Saulnier, CFP® & Chris Stein, CFP®
Steve Chen
Andy Panko
James Conole, CFP®
Benjamin Brandt CFP®, RICP®
Rob Berger
Bryan Anderson
Taylor Schulte, CFP®
Devin Carroll, CFP® & John Ross, JD
Jason Parker
Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors
The Great Retirement Debate with Ed Slott & Jeffrey Levine
Roger Whitney, CFP®, CIMA®, RMA, CPWA®
Casey Weade
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