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Kerry Pechter: Annuities For Dummies

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About Annuities
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Retirement Income
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Fun With Annuities®

Kerry Pechter: Annuities For Dummies

Stan Haithcock
August 15, 2023
Kerry-Pechter:-Annuities-For-Dummies-with-Kerry-Pechter

In this episode, The Annuity Man and Kerry Pechter discuss:

  • Recommended readings for retirees
  • The many types and applications of annuity products
  • Pulling back the curtain on annuity systems
  • Two products that Kerry likes

Key Takeaways:

  • If you buy an annuity book, start with “Annuities For Dummies” because it’s a primer, a foundational book, and much more. Issues of the Retirement Income Journal are also another must-read.
  • Whatever comes after the phrase “all annuities are…” is always false, as you can’t broadly categorize all annuities. They are like restaurants, shoes, or cars; you can’t say they are all bad. Every type of annuity has a different purpose and a different application.
  • Choose a company that puts its policyholders first. You don’t want to be second in line or third in line to management and the shareholders regarding retirement.
  • Kerry shed light on two products that people might want to look into to see if it fits their retirement plan: the variable income annuity and the fixed rate annuity with long-term care.
    ‍

"Annuities are a bunch of products that have as much that are unalike as they are alike. Each one is a tool for particular kinds of people in particular kinds of life for different kinds of risk management." — Kerry Pechter.
‍‍

‌Connect with Kerry Pechter:

LinkedIn: https://www.linkedin.com/in/kerry-pechter-1b05705/

Book: https://www.amazon.com/Annuities-Dummies-Kerry-Pechter/dp/1394168586‍

‌Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: [email protected]

Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

Get a Quote Today: Annuity Calculators- Get Your Personalized Quotes  | The Annuity Man

‍Fun With Annuities Podcast is hosted by America’s Annuity Agent®, Stan Haithcock, 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.

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Roth IRA Annuity: Are the Payments Taxed?

Let's talk about Roth IRAs in general and my take on Roth IRAs. In a perfect world where unicorns chase the butterflies, Roth IRAs should be used for non-annuity assets. You've already paid the taxes on the Roth. That should be where the growth part of your portfolio is.
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What Is a Deferred Income Annuity?
Article

What Is a Deferred Income Annuity?

Today's topic is: What is a Deferred Income Annuity? Deferred Income Annuities are relatively new products, but after this blog, you're going to understand them in full, and you're going to know if they work for your specific situation.
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The 2 Questions That Make Annuities Simple: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®

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

Today's topic is what are the two questions that make annuities simple? See, I am Mr. Simplistic out here. Don't ask my wife. She'll probably agree with you on other terms, on other reasons for that, but annuities are simple. They should be simple. They're transfer of risk contracts that primarily solve for four things.
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Retirement Income Strategies: How Annuities Fit
Article

Retirement Income Strategies: How Annuities Fit

Let's discuss why you're here, which is retirement income planning, and if annuities fit and how they fit. Should they fit? Would they fit? Might they fit? Are they fit? Let's find out.
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How to Buy an Annuity: Mortality Credits
Article

How to Buy an Annuity: Mortality Credits

Hi there, Stan The Annuity Man, America's Annuity Agent licensed in all 50 states. I am glad you joined me about how to buy an annuity, looking at mortality credits, and why that is so, so important. Mortality credits. Let's talk about it.
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Inherited Annuity: What Are Your Options?
Article

Inherited Annuity: What Are Your Options?

What we're talking about today is a pretty interesting subject because many people are getting older. We're living longer. 10,000 baby boomers every single day are reaching retirement age, and a lot of people are calling me because they've inherited an annuity. So, what do you do? What are your options?
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Annuities Are for Do-It-Yourselfers: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®

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

For all of you do-it-your-selfers out there who have been managing your own money and running it through the Fidelitys and the Vanguards and the TDs and the Schwabs and all those great firms out there, annuities are right up your alley because they are do-it-yourself products.
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Tom Hegna: Don't Worry, Retire Happy! (TAM Classic)
Podcast

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

They found that the happiest people in retirement were those people who were surrounded by their families and friends, and had guaranteed paychecks every single month.
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Annuity Transfer: How Can I Transfer My Annuity?
Article

Annuity Transfer: How Can I Transfer My Annuity?

Today we're talking about annuity transfers. Should you transfer your annuity? Can you transfer your annuity? "This person's trying to tell me to transfer my annuity." Can I transfer my annuity? How does my transfer work? All good questions asked by you of which will be answered by me.
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Does an Annuity Count as Income?
Article

Does an Annuity Count as Income?

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states. I'm so glad you joined me today. Many times, when people read these blogs, they're so enamored, and they're like, "Wow. That's really informative, yet not salesy." You're right about that. That's a good point.
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What Happens to an Annuity When You Die?
Article

What Happens to an Annuity When You Die?

What happens to an annuity when you die? First of all, you're dead, who cares? But that's not a good answer, I don't think. We're talking about annuities and death; that's a tough combo. So, what happens to an annuity when you die? It depends on the type of annuity. It depends on how you structure that annuity.
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Lovingly Handcuffing Your Beneficiaries with Annuities: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®

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

Today's topic is a good one. It's a personal one, and I can share some stories. It's called lovingly handcuffing your beneficiaries with annuity guarantees. You might be saying, "Wait a minute, handcuffing? That doesn't sound lovingly." It does when it comes to finances.
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Is There an Age Restriction to Buy an Annuity?
Article

Is There an Age Restriction to Buy an Annuity?

Is there an age restriction to buy an annuity? Can you be too old, or can you be too young? Or does it matter? Is it just a free-for-all? Will they sell it to anybody? And "they" meaning the annuity industry. No. There are some age restrictions out there, and I'm going to cover them to ensure you're just not buying things.
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Single Premium Immediate Annuity Death Benefit (SPIA)
Article

Single Premium Immediate Annuity Death Benefit (SPIA)

Today's topic is Single Premium Immediate Annuity death benefits, the death benefits of an Immediate Annuity. I read something the other day, and it was from a brilliant person. It said, "Well, you need to be careful when buying an Immediate Annuity because when you die, the money goes poof, the money goes away." I'm thinking, "Oh my gosh, this person's educated, and they have a syndicated show, and they're writing that?
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Independent Retirement Annuity: Your Pension Plan
Article

Independent Retirement Annuity: Your Pension Plan

Let's talk about independent retirement annuity, developing your retirement pension plan, and your personal pension plan. Slow down. Slow down and listen. Slow down in life. Slow down and look. Slow down and live. Slow down and enjoy. Slow down and love. Slow down and learn.
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Annuity Light Switch Income Guarantees: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®

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

Today's topic is annuity light switch, lifetime income guarantees. I want you to envision a light switch. You just shut it on and off, right? When you need light, you shut it on. When you need it to be dark, you shut it off. There are annuity types out there that allow you to shut things on and off and shut income on and off.
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How Much Does a $100K Annuity Pay per Month?
Article

How Much Does a $100K Annuity Pay per Month?

Today's topic is the general question that everybody asks me because they think all annuities are one type, all work the same, and they're all priced the same. So, the question is, how much does a $100,000 annuity pay? I need more information from you there, Chester.
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How Annuities Address Social Security and Inflation
Article

How Annuities Address Social Security and Inflation

Hi there. Stan The Annuity Man, America's annuity agent licensed in all 50 states, talking about one word and one word only today, inflation. Let's talk about inflation. Let's talk about how annuities and Social Security can address inflation.
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How Much Commission Do Annuity Agents Make?
Article

How Much Commission Do Annuity Agents Make?

This could be the best question of all time. And the burning question that everyone wants to know is how much commissions do annuity agents make? I mean, you guys must be making a killing, right? No. It depends on what annuity you're selling and what annuity type, and we're going to get to all of that.
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Planning Lifetime Income for Your Spouse: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®

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

Today's topic is planning lifetime income for your spouse. This is a big one, so planning lifetime income, using annuities, and doing that for your spouse. Now, the lovely Christine, you've heard of her before. She's been married to The Annuity Man for over 35 years. She met me in college, was enamored with me if you can only imagine that, and she has put up with me and my shenanigans.
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Financial Advice for Seniors About Annuities
Article

Financial Advice for Seniors About Annuities

What we're talking about today is very important. It's talking to your parents about annuities and financial advice for seniors, and it's kind of involving that hard conversation as they cognitively start losing it a little bit. It's not good.
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Is It Possible to Time an Annuity Purchase?
Article

Is It Possible to Time an Annuity Purchase?

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states. The question that everyone has been asking me is, is it possible to time the purchase of an annuity? Is there a sweet spot? Is there an arbitrage moment where it's the perfect time to buy an annuity of any type?
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Who Sells Hybrid Annuities?
Article

Who Sells Hybrid Annuities?

The question is, who sells hybrid annuities? Let me rephrase that. Who sells Indexed Annuities? The word hybrid is overused in the industry to sell Indexed Annuities because they're Indexed Annuities. I don't know why they're creating another word. Oh, by the way, I'm Stan The Annuity Man, if you hadn't caught that, America's annuity agent.
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MYGA-2-SPIA for Full-Control Annuity Income: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®

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

Welcome to Shootin' It Straight With Stan. I am your host Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today's topic is something that I have created that is good and that the public loves, and I need to tell you about it. Once again, it's called MYGA to SPIA for full control, lifetime income, MYGA to SPIA. Let's break that down.
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Moshe Milevsky: Learning from History with Annuities
Podcast

Moshe Milevsky: Learning from History with Annuities

When you have a product that is meant to help people that are eventually going to cognitively decline, there's a higher burden of care there because you got to make sure that they understand what they're buying and they continue to understand what they're buying.
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What Is a Pension Annuity and How Does It Work?
Article

What Is a Pension Annuity and How Does It Work?

What is a pension annuity and how does it work? Can you believe where you're sitting? You're sitting there doing research on annuities! Who thought it would come to this? By the way, kudos for that because you need to know what you're buying. So, let's talk about pension annuities and how they work.
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Annuity Calculator Secrets and Tips
Article

Annuity Calculator Secrets and Tips

Today's topic is a very good one. It's about annuity calculators and secrets and tips. Secrets and tips from Stan The Annuity Man of all people. We're going to go over all the calculators, all the ones that we offer on our site, and I'm going to give you my secrets and my tips.
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