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Sheryl Garrett: Financial Planning on YOUR Terms (TAM Classic)

Table of Contents

Sheryl Garrett: Financial Planning on YOUR Terms (TAM Classic)

Stan Haithcock

August 13, 2024

Sheryl Garrett: Financial Planning on YOUR Terms (TAM Classic)

In this episode, The Annuity Man and Sheryl Garrett discuss:

The role of a financial planner
How the industry should be
Hiring the right planner
Being aggressive with cash flow

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Key Takeaways:

Many personal, financial, economic, and psychological things are coming together all at once. The planner’s role is to help clients see through all of that and reach out to the appropriate specialist when they need certain products or services fulfilled for the clients.
Everybody has questions about their personal finances. People in the industry should be working towards making it easier for people to understand finances.
Don’t hire anybody with disciplinary issues on their records. There are plenty of people to pick that don’t have any on the record. Make sure the person you’re talking to is working as a fiduciary.
We need to be aggressive about our cash flow. Aggressive, conscious of where our money is going, where it’s coming from, and how it will move in the future.

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"We’ve been trained to go get a second opinion if we have a significant medical issue come up, but why in the world do we not get a second opinion if we’re getting ready to make a decision as significant as retirement." — Sheryl Garrett.

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Connect with Sheryl Garrett:

Website: Retirement Planning in Manhattan, KS | CGN Advisors

LinkedIn: https://www.linkedin.com/in/sherylgarrett/

Twitter: Sheryl Garrett (@SherylGarrett) on X

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.

Listen in on how you can be livin’ the reality, not the dream. Listen and subscribe on Libsyn, Stitcher, Apple Podcasts, Google Podcasts, Amazon Podcasts, and Spotify.

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Shootin’ It Straight with Stan®

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Shootin’ It Straight with Stan®

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How Much Do You Really Need to Retire?

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Annuities vs Market Volatility

Annuities vs Market Volatility

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How Much Do You Need to Start an Annuity?

How Much Do You Need to Start an Annuity?

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

Shootin’ It Straight with Stan®

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

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

Shootin’ It Straight with Stan®

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

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Terry Savage: The Savage Truth For Your Money in 2024

Terry Savage: The Savage Truth For Your Money in 2024

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Lifetime Income Annuity: Single Or Joint Life

Lifetime Income Annuity: Single Or Joint Life

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The Truth About Hybrid Annuities

The Truth About Hybrid Annuities

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Every American Already Owns an Annuity

Every American Already Owns an Annuity

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Unlocking Annuity Guarantees for a Worry-Free Retirement

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How The Economy Affects Annuity Rates

How The Economy Affects Annuity Rates

The question is, how does the economy affect annuity rates? That's a basic question with a very detailed answer because annuities are not all the same. I know that "I hate all annuities" ads are out there.

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

Shootin’ It Straight with Stan®

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

Today's topic is a great one, coming from the deep south of where I grew up in Charlotte, North Cackalacky. North Carolina, actually, the town, seriously, and I'm not kidding, look it up, it's called Stanley, North Carolina, just like it sounds.

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

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

If you're looking for something that will zig when your stocks zag, you probably want to ensure that your portfolio includes that cash and treasury bonds.

Lock and Load Annuity Income Guarantees

Lock and Load Annuity Income Guarantees

Today's topic is lock and load for income guarantees because when you buy an annuity, you're buying a contract and locking in that guarantee. You're loading it for the future, so you're locking and loading that contractual guarantee. I want you to think about that.

Swallow the Seminar Food, Not the Annuity Pitch: Shootin’ It Straight With Stan

Shootin’ It Straight with Stan®

Swallow the Seminar Food, Not the Annuity Pitch: Shootin’ It Straight With Stan

Welcome to Shooting it Straight With Stan. I'm your host, Stan The Annuity Man - America's annuity agent, licensed in all 50 states. I'm so glad you joined me for a great topic. You saw it and said, "Okay, I got to see what he's going to say about this." The topic is: Swallow the Seminar Food, NOT the Annuity Pitch."

Chuck Jaffe: Top Money & Life Topics for 2024

Chuck Jaffe: Top Money & Life Topics for 2024

Keep in perspective where money is supposed to be. You didn't make it to save it. You didn't make it to be buried. The richest man in the graveyard is not the happiest man before he got there.

How Annuities Address Social Security and Inflation

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! Inflation Stan The Annuity Man, let's talk about inflation! Let's talk about how annuities and Social Security can address inflation.

Increase Your Annuity Income Floor as You Age: Shootin’ It Straight With Stan

Shootin’ It Straight with Stan®

Increase Your Annuity Income Floor as You Age: Shootin’ It Straight With Stan

Today's topic is a good one: Increase Your Annuity Income Floor as You Age. In other words, that income floor, that amount that's hitting your bank account every single month, needs to be increased as you get older.

Left Wing, Right Wing...Need Both to Fly

Left Wing, Right Wing...Need Both to Fly

Hi, my name is Stan The Annuity Man, America's annuity agent. No, I am not a political commentator, but I am going to get in the weeds about what's happening in our world right now. The title of this blog is Left Wing, Right Wing, Need Both to Fly.

Stan The Annuity Man: The Annuity Man Predictions for 2024

Stan The Annuity Man: The Annuity Man Predictions for 2024

If you're in chapter two of your life in retirement, I want you to maximize the day. I want you to start structuring your day for fun and for relaxation and for reflection.

Best Pension Annuity Deals

Best Pension Annuity Deals

You're looking for the best pension annuity deals, hey, that's a good thing because pensions are good. Why? Because you can never outlive the income, just like Social Security. And if you work for the government, there are pensions there, but most people are working in the private sector, so they really don't have pensions.

What Is a Deferred Income Annuity?

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.

Retirement Income Strategies: How Annuities Fit

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.

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

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.

Does an Annuity Count as Income?

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.

Independent Retirement Annuity: Your Pension Plan

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.

Financial Advice for Seniors About Annuities

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.

Moshe Milevsky: Learning from History with Annuities

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.

What Is a Pension Annuity and How Does It Work?

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.

Why People HATE Stan The Annuity Man

Why People HATE Stan The Annuity Man

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states, top independent agent in the country. I'm so glad you're here. The topic today is a great one. Why people hate Stan The Annuity Man.

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

Shootin’ It Straight with Stan®

The Older You Are, the Higher the Annuity Payment: 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 a good one, and it's a no-brainer, but one that I keep repeating, so I'm going to hammer it factually as only Stan The Annuity Man can do. It's the older you are, the higher the annuity payment.