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Stan The Annuity Man: New Realities of Annuity Recommendations (TAM Classic)

Table of Contents

Stan The Annuity Man: New Realities of Annuity Recommendations (TAM Classic)

Stan Haithcock

November 19, 2024

Stan-The-Annuity-Man:-New-Realities-of-Annuity-Recommendations-(TAM-Classic)

In this episode, The Annuity Man discussed:

The Annuity PILL
Choosing an annuity carrier
Putting the client’s best interest first
The future of the annuity industry

Key Takeaways:

The acronym PILL stands for Principal Protection, Income for life, Legacy, and Long-term care. If you don’t need to contractually solve for one or more of those items in the PILL, then you don’t need an annuity of any type. Never buy an annuity for market growth.
Once you’ve determined what you want the money to contractually do and when you want the guarantees to start, we’ll shop all carriers, listing all the top contractual guarantees offered. Annuities are commodity products.
Some carriers should not be recommended even if they offer the highest contractual guarantees. These carriers either do not or do not have the capability to put the client’s best interest first.
There are some processing issues, hiring issues, and workforce issues, but all will be solved. It’s going to be a bumpy ride, but the industry is on the way to fixing problems and improving systems.

"My grandfather always told me, ‘If you tell the truth, you don't have to remember anything.’ That is our business model." — Stan The Annuity Man.

Never forget to live in reality, not the dream, with annuities and contractual guarantees! You can use our calculators, get all six of my books for free, and most importantly book a call with me so we can discuss what works best for your specific situation.

Lifetime-or-Interest-Income:-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Lifetime or Interest Income: Shootin' It Straight With Stan (TAM Classic)

Today's topic is lifetime or interest income. Now, I always say you can't just say I hate all annuities.

What Is A Qualified Longevity Annuity Contract (QLAC)?

What Is A Qualified Longevity Annuity Contract (QLAC)?

A qualified longevity annuity contract (QLAC) is a type of annuity contract specifically designed to keep you from outliving your retirement savings. As a deferred annuity, QLACs provide you with a guaranteed stream of income later in life.

Stan The Annuity Man: Happy Birthday To QLACs

Stan The Annuity Man: Happy Birthday To QLACs

With QLACs, SPIAs, and DIAs, there's no annual fees. There's no market attachment; it’s a straight transfer risk. You're saying to the issuing QLAC company, here's the money, and you are on the hook to pay me, or me and my wife, or me and my husband forever as long as one of us is breathing, but you don't get to keep a penny.

Annuity Vs. 401k: Do 401k Plans Offer Annuities?

Annuity Vs. 401k: Do 401k Plans Offer Annuities?

So what are we talking about today? Stan The Annuity Man, America's annuity agent licensed in all 50 states, including yours. We're talking about 401ks and annuities. Which one's better? Does your 401K offer an annuity? Should your 401K offer an annuity? If your 401k doesn't offer an annuity, what do you do? You know what? I'm going to cover all of those topics, all of those questions in detail.

Don’t Be the Sucker at the Annuity Table: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Don’t Be the Sucker at the Annuity Table: Shootin' It Straight With Stan

Today's topic is don't be the sucker at the table. Don't be the sucker at the annuity table. And I keep telling people this, but they keep calling me with these crazy sales pitches they're getting. And in Vegas, at the poker tables, and I always walk by like in Caesars, they have an open area where you can watch the poker being played at numerous tables. And I always look at that, and I always try to spot the sucker at the table.

Stan The Annuity Man: New Realities of Annuity Recommendations

Stan The Annuity Man: New Realities of Annuity Recommendations

"My grandfather always told me, ‘If you tell the truth, you don't have to remember anything.’ That is our business model." — Stan The Annuity Man.

401k Rollover to an Annuity thumbnail

401k Rollover to an Annuity

Today, we're talking about rolling your 401K into an annuity. Should you do that? Could you do that? Why should you do that? Somebody's trying to make you do that.

059: FIA Insider Wears Mask to Protect Identity and Share Industry Secrets

059: FIA Insider Wears Mask to Protect Identity and Share Industry Secrets

I know every week, I'm out here gushing how awesome the celebrity co-host is, but THIS guy is a "can't fricken' believe he agreed to do this" kinda score.

Annuity-Benefits:-What-Happens-When-You-Become-Ill?

Annuity Benefits: What Happens When You Become Ill?

Let's talk about annuity benefits and what happens when you become ill, sick, vomiting, not feeling good, and need help. We can address those issues with annuities—up to a point.

Guaranteed-Income-in-Retirement:-The-Power-of-Income-Riders

Guaranteed Income in Retirement: The Power of Income Riders

I'm glad you joined me today for this blog. We're talking about retirement withdrawal strategies using Income Riders. So, we're going to talk about how Income Riders work, where they're attached, what products use Income Riders, what you should know.

Best-Variable-Annuity-Income-Riders

Best Variable Annuity Income Riders

Today's topic is Best Variable Annuity Income Riders. We're going to cover all the Variable Annuity Income Rider types, and I'll also blend in some Fixed Index Annuity Income Rider types.

Interest-Rates-and-Annuities:-Shootin-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Interest Rates and Annuities: Shootin It Straight With Stan

Welcome to Shooting It Straight With Stan. I'm Stan The Annuity Man, America's annuity agent. I'm glad you joined me on this topic—it’s a hot one. Everyone’s asking me about it, so I thought I’d make a blog to cover it.

The-Race-to-Annuity-Virtual-Selling

The Race to Annuity Virtual Selling

Before moving forward, think of it like online banking—you need to know exactly who you're dealing with. Is the agent properly set up? Do they follow best practices? Do they understand encryption?

Fixed-Indexed-Annuities:-Everything-You-Need-to-Know

Fixed Indexed Annuities: Everything You Need to Know

No, this isn't going to be a two-hour-long blog. Still, it could be if I were to explain every nuance of Fixed Indexed Annuities, Indexed Annuities, hybrid annuities—whatever you're being pitched.

Take-Personal-Responsibility-for-Your-Money

Take Personal Responsibility for Your Money

Hi, my name is Stan The Annuity Man, and I'm licensed in all 50 states. I'm known as America's annuity agent because I tell the brutal truth about these products, which needs to happen.

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

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

Today's topic is something I have created, and it is great to see that the public loves it. I need to tell you about it once again. It's called MYGA 2 SPIA for full control and lifetime income.

Best-Annuities-for-Lifetime-Income:-Which-Type-Is-Best?

Best Annuities for Lifetime Income: Which Type Is Best?

All right, America. So, what are the best annuities for lifetime income? What are the best ones out there? Those are the ones you want to know about, right?

Evaluating-Annuity-Income-Increases:-Are-They-Worth-It?

Evaluating Annuity Income Increases: Are They Worth It?

Hi there. Stan The Annuity Man, America's annuity agent licensed in all 50 states with a very important topic. It's evaluating annuity income increases. The question is, are they worth it?

Fixed-Index-Annuity:-Do-FIAs-Get-Stock-Market-Returns?

Fixed Index Annuity: Do FIAs Get Stock Market Returns?

Hi there! Stan The Annuity Man, America's annuity agent here to talk about those beloved Fixed Index Annuities that everyone loves to go to the bad chicken dinner seminar for.

Enhancing-Your-Retirement-Plan-With-Annuities-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Enhancing Your Retirement Plan With Annuities Shootin’ It Straight With Stan

Today's topic is enhancing your retirement plan with annuities. Is that possible? Should you even consider it? Do you need an annuity? Big questions we're going to cover.

Annuity-Income:-Do-I-Lose-Control-Of-The-Money?

Annuity Income: Do I Lose Control Of The Money?

Hi, I'm Stan The Annuity Man, America's Annuity Agent. Let's get to the real question: When it comes to annuity income, do you lose control of your money once the income stream starts? The answer? It depends entirely on the type of annuity you choose.

Annuity-Income-Essentials:-Focus-on-the-Payout-Rate

Annuity Income Essentials: Focus on the Payout Rate

Today's topic is annuity income essentials, and one of those essentials is focusing solely on the payout rate.

Annuity-Interest-Rates:-Can-You-Time-the-Purchase?

Annuity Interest Rates: Can You Time the Purchase?

Today, we're talking about annuity interest rates. Can you time the purchase? The answer is absolutely not. Do not try it.

Comparing-Index-Annuity-Income-Riders-and-DIAs:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Comparing Index Annuity Income Riders and DIAs: Shootin’ It Straight With Stan

Today's topic compares Fixed Index Annuity Income Riders to Deferred Income Annuities, DIAs. And we get this a lot from a questioning standpoint, "Which one's better?"

Retirement-Expert-Rants:-Annuities-Are-Not-Bonds

Retirement Expert Rants: Annuities Are Not Bonds

Hi, my name is Stan The Annuity Man, America's annuity agent. I keep seeing some fictitious promotions about annuities that I have to address.

Choosing-the-Right-Annuity-Agent

Choosing the Right Annuity Agent

Hi there, Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today's topic is a very, very good one: choosing the right annuity agent. It's a crucial decision, and I know what you're saying.

Retirement-Calculator:-Not-All-Calculators-Are-the-Same

Retirement Calculator: Not All Calculators Are the Same

Today, we're going to talk about something really important. Not all annuity calculators are the same.

Hidden-Truths-&-Facts-About-Fixed-Index-Annuities:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Hidden Truths & Facts About Fixed Index Annuities: Shootin’ It Straight With Stan

Today's topic is hidden truths and facts about Fixed Indexed Annuities. Now, we get a lot of calls about this because people are getting the sales pitch that sounds too good to be true. After all, it is.

Retirement-Lifestyle:-Never-Lose-Money-With-These-Tips

Retirement Lifestyle: Never Lose Money With These Tips

Hi, I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states, including yours. I'm doing these retirement lifestyle blogs because people are always asking me, "Stan, do you have anything I'd never lose money in?"

Interest Rates

Today's topic is about interest rates and how those interest rates affect MYGAs, Multi-Year Guarantee Annuities, and income annuities.

Retirement-Expert-Rants:-The-Annuity-Industry-Needs-to-Focus-On-Guarantees

Retirement Expert Rants: The Annuity Industry Needs to Focus On Guarantees

Hi, my name is Stan The Annuity Man, America's annuity agent, licensed in all 50 states, and I'm here today to rant a little bit. I do this occasionally when things hit me the wrong way.

Strategic-Retirement-Planning-Using-Annuities:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Strategic Retirement Planning Using Annuities: Shootin’ It Straight With Stan

Today's topic is Strategic Retirement Planning Using Annuities. Now, for a lot of you out there, you're going, wait a minute, are you a certified -- no, I'm Stan The Annuity Man.

Best-Type-of-Annuity-for-Retirement

Best Type of Annuity for Retirement

Today's topic is what's the best annuity type for retirement? Good question, and we're going to go through each type of annuity out there that's available to you.

Annuity-Seminars:-Who-Is-Picking-Up-the-Tab-for-That?

Annuity Seminars: Who Is Picking Up the Tab for That?

Today's topic is a fun one. It's all about these annuity seminars, and the question that I'm going to answer in Stan fashion is who's picking up the tab for that very expensive steak dinner that you're going to get or that you've eaten? Who's picking that tab up?

Difference-Between-Fixed-Index-And-Variable-Annuities

Difference Between Fixed Index And Variable Annuities

Today's topic is really interesting: the difference between Fixed Index and Variable Annuities. At the end of this blog, you'll know everything you need to know to decide whether a Fixed Index Annuity or a Variable Annuity fits your specific situation.

Tailoring-Fixed-Index-Annuities-to-Your-Specific-Goals:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Tailoring Fixed Index Annuities to Your Specific Goals: Shootin’ It Straight With Stan

Today's topic is tailoring Fixed Index Annuities to meet your specific goals. Now, a lot of you out there have watched all 1,000 plus videos and are going, "Wait a minute, Stan, I'm not sure you really like Indexed Annuities."

Steve-Parrish:-Why-QLACs-Will-Rival-Roth-IRA-Popularity

Steve Parrish: Why QLACs Will Rival Roth IRA Popularity

The older you is not going to be the same as the younger you. Take my word for it. You want to have peace of mind. You're not going to want to have to call your broker every month when the economy is going crazy.

Annuity-Legacy-Planning-Tips

Annuity Legacy Planning Tips

Today we're talking about Annuity Legacy Income Planning and talking about death again. Legacy equals death. The motivational stuff that I do, but hey, death is inevitable, right?

Demystifying-Fixed-Annuities

Demystifying Fixed Annuities

Hi there, Stan The Annuity Man, America's annuity agent, licensed in all 50 states with a topic that is a good one, demystifying Fixed Annuities. There's not just one Fixed Annuity.

Guaranteed-Income-Annuity:-What-Comprises-Your-Income-Floor?

Guaranteed Income Annuity: What Comprises Your Income Floor?

Today, we're talking about guaranteed income annuities. What comprises that guaranteed income floor? Let's talk about it.

Using-an-Annuity-to-Pay-for-Long-Term-Care

Using an Annuity to Pay for Long-Term Care

Many people have that on their mind because long-term care is kind of that gorilla in the room, that little guy on your shoulder that's like, "You might want to address that, you might want to check that box."

The-Secrets-Behind-MYGA-Maturity-Dates

The Secrets Behind MYGA Maturity Dates

Today's topic is The Secrets Behind MYGA Maturity Dates. And you say, "Wait a minute. MYGA maturity dates? There's more than one?" Yes, there is.

Retirement-Tips:-Annuities-Can-Help-You-Rock-a-Budget

Retirement Tips: Annuities Can Help You Rock a Budget

Today, we're talking about rocking the budget. What is rocking the budget? Annuities can rock a budget. I'm kind of a free spirit. I don't know if you call it that, but my wife, budget, budget, budget, budget.

Fixed-Annuities-Explained:-Which-One-Is-Right-for-You?:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Fixed Annuities Explained: Which One Is Right for You?: Shootin’ It Straight With Stan

Fixed Annuities Explained: Which One Is Right for You?: Shootin’ It Straight With Stan

Jack-Lenenberg:-New-LTC-Product-to-Disrupt-the-Industry

Jack Lenenberg: New LTC Product to Disrupt the Industry

Regardless of insurance and products, when it comes to long term care planning, the most important thing for our clients is to have conversations with your family, with your loved ones, with your children.

Three-Ways-to-Add-Another-Social-Security-Payment

Three Ways to Add Another Social Security Payment

Wouldn't it be nice if you could add another Social Security payment? Wouldn't that be great when that money's hitting every month? Can you do that? Indeed, you can.

Casting-Your-Vote-With-Annuity-Strategies-in-Mind

Casting Your Vote With Annuity Strategies in Mind

Election season's here. What I'm going to tell you to do is vote with annuity strategies in mind. Regardless of what party wins, it doesn't matter.

Retirement-Tips:-How-to-Leave-Money-to-My-Grandkids

Retirement Tips: How to Leave Money to My Grandkids

With 10,000 baby boomers reaching 65 every day and that retirement age, you start thinking, "How am I going to leave money to my beneficiaries?" And a lot of people are looking at how to leave money to their grandkids. We're going to go into that.

The-Annuity-Truth-About-Bonuses-Rates-Caps-Spreads:-Shootin’-It-Straight-With-Stan

The Annuity Truth About Bonuses Rates Caps Spreads: Shootin’ It Straight With Stan

Today's topic is the annuity truth about bonuses, caps, spreads, and participation rates, all attached to Indexed Annuities. We get lots of calls about this because, unfortunately, most annuity agents are just trying to sell Indexed Annuities.

Retirement-Expert-Rants:-You-Do-You-Beware-of-Agent-Product-Steering

Retirement Expert Rants: You Do You - Beware of Agent Product Steering

I'm here because I want to warn you about something, and I'm pretty upset about it because I see it happen often. And it's called agent steering, but they're steering their product of choice to you, so don't allow that to happen.

Election-2024:-Are-Annuities-in-the-Political-Crossfire?

Election 2024: Are Annuities in the Political Crossfire?

Today's topic is the 2024 election. Are annuities in the political crossfire or crosshairs, however, you want to say? Without mentioning any candidate, political party, convention, ads, or anything else. Forget about that for a second. We need to focus on annuities.

Pension-Fund-or-Retirement-Annuity:-How-Each-Work

Pension Fund or Retirement Annuity: How Each Work

Pension fund or retirement annuity, which one is better? Who knows? We're going to find out. We're going to answer the questions and help you understand how to make an informed and rational decision.

Annuity-Tips:-The-Annuity-Man’s-Index-Annuity-Strategies:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Annuity Tips: The Annuity Man’s Index Annuity Strategies: Shootin’ It Straight With Stan

Today's topic is annuity tips, The Annuity Man's strategies for Indexed Annuities/Fixed Indexed Annuities. I know you're saying, "Wait a minute, Stan. I thought you didn't like Indexed Annuities." That's not true.

Pam-Krueger:-The-Best-Wealthramp-on-How-to-Roll-Your-401K-or-IRA

Pam Krueger: The Best Wealthramp on How to Roll Your 401K or IRA

People know when they're looking for advice, they want a fiduciary. They want someone who's fee-only because they want someone who works only for them, not someone who sells insurance or sells mutual funds.

Annuity-Returns:-Potential-vs.-Contractual

Annuity Returns: Potential vs. Contractual

What we're talking about today is annuity returns, potential versus contractual. Unicorns chasing the butterflies or the contractual realities. The sizzle or the steak. The will do or the might do. Which one's better?

Index-Annuity-Riders-vs.-Dias:-Which-Is-Better-for-Future-Income?

Index Annuity Riders vs. DIAs: Which Is Better for Future Income?

Today's topic is a very good one, so lean in and listen. The topic is Index Annuity Income Riders versus Deferred Income Annuities, which are called DIAs. So, Index Annuity Income Riders versus DIAs.

What-Is-the-Difference-Between-an-Annuity-and-an-IRA?

What Is the Difference Between an Annuity and an IRA?

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states, including yours. Today's topic is, what's the difference between an annuity and an IRA? Let's talk about that.

Annuity-Strategies-Across-the-Political-Spectrum:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Annuity Strategies Across the Political Spectrum: Shootin’ It Straight With Stan

Today's topic is annuity strategies across the political spectrum. It's political silly season. It is actually always a political silly season.

Annuity-Death-Benefits:-How-They-Are-Paid

Annuity Death Benefits: How They Are Paid

Today, we're talking about annuity death benefits. How do they work? It's like you are buying an annuity, and you die. What happens? We will go through that and how they are paid with annuities now.

Annuity-Tax-Deferral:-Top-Strategies-&-Tips

Annuity Tax Deferral: Top Strategies & Tips

Today's topic, annuity tax deferral, some of the top strategies and tips from yours truly, who's been doing this a long time. I always tell some agents that come up to me, I say, "I got shoes older than you."

Retirement-Tips:-What-Are-the-Four-Best-Annuity-Types-for-Retirement?

Retirement Tips: What Are the Four Best Annuity Types for Retirement?

The question is, what are the four best annuities for retirement? We will go over annuities and which types I think are the best for retirement. That doesn't mean you need an annuity, but these are the ones that I feel are pro-customer if used correctly.

Retire-From-Both-Work-&-the-Markets:-Shootin'-It-Straight-with-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Retire From Both Work & the Markets: Shootin' It Straight with Stan (TAM Classic)

I'm so glad that you joined me on this timely topic. It's going to make a lot of people mad and make a lot of people question things, but it will make total sense when you hear it.

Stan-The-Annuity-Man:-Annuities-and-the-Election

Stan The Annuity Man: Annuities and the Election

What I'm encouraging you to do is get rid of the politics - this is about your money, your family, your legacy. With money, whether you're in the stock market, bond market, annuity market, it should be a non-emotional, fact-based decision.

Are-Annuities-Confusing?-Understanding-Annuities-Shouldn’t-Be-Rocket-Science

Are Annuities Confusing? Understanding Annuities Shouldn’t Be Rocket Science

Are annuities confusing? Should it be rocket science to understand these things before buying them? The answer's absolutely not.

Single-Premium-Immediate-Annuities-(SPIAs):-A-Comprehensive-Guide

Single Premium Immediate Annuities (SPIAs): A Comprehensive Guide

Today's topic is Single Premium Immediate Annuity, SPIAs. And a comprehensive guide to those. There's a lot of misinformation out there and you go, wait a minute, how's that even possible?

What-Is-a-State-Guaranty-Fund?

What Is a State Guaranty Fund?

Hi out there in internet land. You're out there searching and googling for annuities, and you stumbled upon Stan The Annuity Man, America's annuity agent. Lucky you. You were looking for state guaranty funds. What's a state guaranty fund?

annuity-income-return-of-or-on-your-money-shootin-it-straight-with-stan

Shootin’ It Straight with Stan®

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

Today's topic is about annuity income. Is it return of your money, or return on your money? So, return of, or return on? Great question, Stan The Annuity Man, America's annuity agent. Let's cover it.

Inflation-Adjusted-Annuities:-How-Do-They-Work?

Inflation-Adjusted Annuities: How Do They Work?

Hi there. Stan The Annuity Man. Today, we're talking about inflation-adjusted annuities, how they work, if they're too good to be true, if they're better than sliced bread, and more.

Fixed-Annuity-vs.-Variable-Annuity-(TAM-Classic)

Fixed Annuity vs. Variable Annuity (TAM Classic)

Today's topic: Annuities Explained. People are like, "Explain this to us, Stan The Annuity Man." Fixed Annuity versus Variable Annuities, which I love to talk about. Now, disclaimer, I don't sell Variable Annuities.

Retirement-Calculator:-How-Long-Will-1-Million-Dollars-Last?

Retirement Calculator: How Long Will 1 Million Dollars Last?

Today, we will answer the burning question: how long will a million dollars last for retirement? There's no good answer, but I will go into the details. And if you have a million dollars, what does that mean? It might be enough, depending on your lifestyle, but let's dive into it.

Is-It-a-Good-Time-to-Buy-an-Annuity?:-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Is It a Good Time to Buy an Annuity?: Shootin' It Straight With Stan (TAM Classic)

Today's topic is a good one and a question that I always get, so let's address that now. Is it a good time to buy an annuity? Now, that's a loaded sales question. Most salespeople say an automatic yes.

Terry-Savage:-Chicken-Money-Is-Still-Tasty

Terry Savage: Chicken Money Is Still Tasty

Chicken money, by definition, is money you cannot afford to lose, and as such, it belongs in things like short-term CDs, treasury bills.

Who-Should-NOT-Buy-an-Annuity?

Who Should NOT Buy an Annuity?

Today's topic is a beauty. I can't wait to do this one. Who should not buy an annuity? Think about that. Stan The Annuity Man, America's annuity agent, I sell more annuities than anyone on the planet ever, and I'm going to tell you who shouldn't buy an annuity.

Annuity-Benefits:-2-Unique-Benefits-That-Annuities-Offer

Annuity Benefits: 2 Unique Benefits That Annuities Offer

Hello there. My name is Stan The Annuity Man. I'm America's annuity agent licensed in all 50 states. Yes, I sell annuities, but that's not why we're here. We're here to educate you on all things annuity. Today, we will talk about the benefits only annuities offer.

3 Years-in-or-3-Years-Out-for-MYGAs-and-CDs:-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

3 Years in or 3 Years Out for MYGAs and CDs: Shootin' It Straight With Stan (TAM Classic)

Today's topic is 3 Years in or 3 Years Out when looking at fixed rates. My rule is that if it's three years or in, you're buying CDs and Treasuries. If it's three years in out, you're buying Multi-Year Guarantee Annuities, Fixed Rate Annuities, the annuity industry version of a CD.

Retirement-Expert-Rants:-The-Annuity-Industry-Needs-to-Focus-on-Guarantees

Retirement Expert Rants: The Annuity Industry Needs to Focus on Guarantees

Hi, my name is Stan The Annuity Man, America's annuity agent, licensed in all 50 states, and I'm here today to rant a little bit. I do this occasionally when things hit me the wrong way.

What-Happens-to-an-Annuity-if-the-Stock-Market-Crashes?-(TAM-Classic)

What Happens to an Annuity if the Stock Market Crashes? (TAM Classic)

Are Fixed Index Annuities good against a stock market crash? What if the insurance company backing it goes under? What's your protection? Let's take them one at a time.

What-Is-a-Living-Benefit-on-an-Annuity?

What Is a Living Benefit on an Annuity?

We're going to talk today about what is living benefit on an annuity? I need you to relax because you're going to get nothing but the brutal annuity truth from Stan, The Annuity Man.

Can-You-Lose-Money-in-an-Annuity?

Can You Lose Money in an Annuity?

Let's talk about the types. Why are you reading this blog? Why'd you stay around? Because you're going to know after this blog, if you you lose money with an annuity.

3-Ways-to-Convert-Retirement-Savings-Into-Income

3 Ways to Convert Retirement Savings Into Income

So, what are three ways to convert your retirement savings into income? Hi there. I'm Stan The Annuity Man, America's annuity agent license in all 50 states. Today, we're going to break down those three ways.

What-Is-Annuitization?

What Is Annuitization?

"What is Annuitization?" What the heck is that? It's hard to spell and pronounce, but annuitization is a way of getting income from an annuity, whether for lifetime income or a specific period of time. We're going to go through all of that now.

Start-Acting-Annuity-Rich-(Wear a Suit!)-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Start Acting Annuity Rich (Wear a Suit!) Shootin' It Straight With Stan

Today's topic is a really good one, and I want you to listen because I'm talking to most of you out there. And it's called Start Acting Annuity Rich. Now all of you out there, "Well, Stan, I'm not rich. I'm not rich. I'm just telling you I'm not rich." I'm telling you, you are.

What-Is-a-Multi-Year-Guaranteed-Annuity?

What Is a Multi-Year Guaranteed Annuity?

Today's topic is what is a Multi-Year Guarantee Annuity, which is very important because you're not going to hear about this at the bad chicken dinner seminar. Why? Because they're very simplistic with commissions that are very, very low, which means it's good for you.

Annuity-Scams:-What-to-Watch-Out-For-(TAM-Classic)

Annuity Scams: What to Watch Out For (TAM Classic)

Today's topic is a good one, and I'm sure when you saw the title, you're like, "I'm going to read this one. I know he's going to go crazy." Annuity scams and what to watch out for.

Retirement-Calculator:-What-Is-the-Average-401(K)-Balance-of-a-60-Year-Old

Retirement Calculator: What Is the Average 401(K) Balance of a 60-Year-Old

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states. We're talking about retirement calculators how much a 60-year-old has in their 401k. I get that question a lot, how much does a 60-year-old have or how much money does a 70-year-old have in retirement, et cetera

Automate Your Income: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Automate Your Income: Shootin' It Straight With Stan

Today's topic is from a friend of mine, Michael Finke, a smart guy in the room, the Mount Rushmore of smart guys. His face is on that Mount Rushmore, Mount Annuitymore, Michael Finke, F-I-N-K-E.

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

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

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.

Retirement Tips: Annuities Are About More Than Covering Expenses

Retirement Tips: Annuities Are About More Than Covering Expenses

Today, we will talk about annuities and why they're just not for covering expenses. I know there are these boring products, and I promote them as boring products because they are boring products. I mean, they're contracts.

Retirement Income: Are Multiple Annuities a Good Idea?

Retirement Income: Are Multiple Annuities a Good Idea?

Hi there, Stan The Annuity Man, America's annuity agent, licensed in all 50 states. I'm holding up the trusty clipboard. The will do, not might do, clipboard. You know what that means? You know what the Pavlovian side of you, the mouth starts drooling.

Compare Immediate Annuity Rates: The Truth Behind Percentages

Compare Immediate Annuity Rates: The Truth Behind Percentages

Today is a very important topic. We're going to compare Immediate Annuity rates and answer that question, the truth about those percentages you see all the time. I'll kind of break all that down because there's a lot of misleading information.

The Older You Are, the Higher the Annuity Payment: Shootin’ It Straight With Stan (TAM Classic)

Shootin’ It Straight with Stan®

The Older You Are, the Higher the Annuity Payment: Shootin’ It Straight With Stan (TAM Classic)

Today's topic is a good one, and it's one that is 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.

Annuity Cost Calculator: Decide How Much You Should Spend

Annuity Cost Calculator: Decide How Much You Should Spend

So, how much should you spend on your annuity using an annuity calculator? How does that all work? Of course, I'm going to tell you, I'm Stan The Annuity Man, America's annuity agent, top agent in this beloved United States of America.

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. When people often read these blogs, they're so enamored and say, "Wow, that's really informative, yet not salesy."

Retirement Expert Rant: What I Love About Lifetime Income

Retirement Expert Rant: What I Love About Lifetime Income

Hi, I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Did you know that annuities are the only product on the planet that can contractually guarantee lifetime income? You do now. Let's get right into it.

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 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.

Rick Ferri: Core-4 Portfolios for Simplistic Success (TAM Classic)

Rick Ferri: Core-4 Portfolios for Simplistic Success (TAM Classic)

The idea is simplicity. Be simple, be low-cost, be consistent, stay the course, be tax-efficient.

Annuity Quotes: How to Lock Them In

Annuity Quotes: How to Lock Them In

Hey, Stan The Annuity Man, America's annuity agent licensed in all 50 states. That includes the one you're sitting in and your state of residence. Yes, I can sell you an annuity there. The question is, do you even need one?

IRA Annuity - Convert, Roll Over & Other Tricks

IRA Annuity - Convert, Roll Over & Other Tricks

IRA annuity. What is that all about? First of all, let's talk about IRAs and annuities. IRA is a structure. Think of it as a house. The annuity, or whatever you purchase, mutual funds, whatever, is the furniture that goes inside the house.

Principal Preservation: Are You at That Financial Stage?

Principal Preservation: Are You at That Financial Stage?

From a principal preservation stage, you're trying to preserve your health, but a lot of people are at a stage now. They're trying to preserve the principal and not take the market losses like they have been. Maybe that's you.

You Already Won! Why Are You Still Playing?: Shootin' It Straight With Stan (TAM Classic)

Shootin’ It Straight with Stan®

You Already Won! Why Are You Still Playing?: Shootin' It Straight With Stan (TAM Classic)

Today's topic is a good one, and it is this. If you've won the game, then why are you still playing? I want you to think about that for a second.