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4 Legs Of The Retirement Income Stool

4 Legs Of The Retirement Income Stool (SPIA, DIA, QLAC, Income Rider)

Today's topic's a good one. What are the four legs of the retirement income stool? Think of a stool, a retirement income stool with four legs.
Adjusting for Inflation With a MYGA

Adjusting for Inflation With a MYGA

I'm amped; I’m ready to go. I feel good because we have a good topic today about Multi-Year Guarantee Annuities and how they solve for inflation, how they can solve for inflation, and at least address it pragmatically and contractually.
Picking Apart Barron’s Top Annuities List

Picking Apart Barron’s Top Annuities List

Annuities pros and cons. We’ll pick apart the Barron's Annuity list, which is an annual thing they put in their publication. They call it the Gold Standard, looking at annuities. Barron's article makes me scream at the top of my lungs, even though they have quoted me numerous times in the past.
Annuities Explained by Age

Annuities Explained by Age 18-34, 35-54, 55-64, 65+

Today we are talking about the ages that you need to purchase an annuity.
Transferring a Maturing CD to a MYGA

Transferring a Maturing CD to a MYGA

Today’s topic is transferring a maturing CD certificate of deposit into an MYGA. Should you do that? Could you do that? Can you do that? How can you do that? Is it suitable? Is it appropriate? Those are all good questions.
Annuities Explained – Fixed Annuity vs. Variable Annuity

Annuities Explained – Fixed Annuity vs. Variable Annuity

Let’s talk about Fixed Annuities versus variable annuities, which I love to talk about.
What Is A 1035 Exchange Transfer

What Is A 1035 Exchange Transfer

For people that enjoy reading the IRS tax code in their spare time, I would encourage you to flip to section 1035 and read about life insurance and annuity transfers. For those of you with a life, just let me explain the important details, so it’s easy to understand.
The 15 Biggest Mistakes When Buying Annuities - Part 2

The 15 Biggest Mistakes When Buying Annuities - Part 2

All right, so this is part two. Part one was one through five and this is part two. Let’s get into it with number six. The sixth biggest mistake I see people make when buying annuities is being pressured into signing the paperwork. You'll have some agents say, "Well, you got to sign it because if you don't sign it now, you won't get the upfront bonus.
The 15 Biggest Mistakes When Buying Annuities - Part 1

The 15 Biggest Mistakes When Buying Annuities - Part 1

Great topic. It was requested by a very high-level person in the industry because they wanted my take on it. What are the top 15 biggest mistakes people make when buying, or at least thinking about, annuities?
Why Are Income Riders Paying More Than Deferred Income Annuities?

Why Are Income Riders Paying More Than Deferred Income Annuities?

An interesting topic today comes directly from my interactions with people on the phone. This topic is why are income riders currently paying more contractually than Deferred Income Annuities? We're going to go through all of that, and the details of that and why that matters to you when you're looking for future income guarantees after this.
The 15 Biggest Mistakes When Buying Annuities - Part 3

The 15 Biggest Mistakes When Buying Annuities - Part 3

Today we are finishing up our series on the 15 biggest mistakes people make when considering annuities or buying annuities, and we've done one through five and five through 10. Now we're going to do 11 through 15. I'm very excited about that because this is a learning experience for you and the industry.
Single Premium Immediate Annuities - Explained

Single Premium Immediate Annuities - Explained

What is a Single Premium Immediate Annuity? How does it work? Should you own one? We're going to dive into many things concerning single premium immediate annuities. We're also going to go through; should you even own one? We’ll go through the details of how you can make that decision.
Annuity Monthly Payment Calculator: Don’t blow through your retirement funds!

Annuity Monthly Payment Calculator: Don’t blow through your retirement funds!

Get an annuity for what it will do, not what it might do®.
Laddering Strategies Using Our SPIA Calculator

Laddering Strategies Using Our SPIA Calculator

Today I’m discussing how to use my SPIA Calculator and some laddering strategies that could work for your specific situation. I'm proud of a lot of things with theannuityman.com. I'm proud that we're a pro-consumer site; I’m proud that we're direct-to-consumer.
Are Multiple Annuities A Good Idea For Retirement Income

Are Multiple Annuities A Good Idea For Retirement Income?

Today we're discussing retirement income and whether multiple annuities are a good idea. I recently received the question: "I have 60% of my portfolio in an annuity. My wife (still working for four more years) has two-thirds of a portfolio my size. Would a second annuity with hers down the road be a good idea? Just a percentage of it."