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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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That Annuity Show

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That Annuity Show

Nassau Financial Group

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We want to help every independent agent or retirement planner be successful explaining the benefits all types of annuities - fixed indexed annuities in particular. You should walk away each time you listen with some idea that will make your next client meeting run better.
 
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show series
 
We usually have a good idea of where our interviews will head. However, sometimes we discover a more interesting story the longer we talk. That happened today. We thought we would we would be discussing advisory fee structures. Instead, we learned how Andy Panko, owner and financial planner at Tenon Financial built a half million dollar a year prac…
 
In this episode, The Annuity Man discussed: The good and the bad of taxes Skating behind the puck with taxes Does inflation really affect you? Choosing simple solutions for retirement Key Takeaways: It’s important to pay your taxes. Your money goes into good things like infrastructure, security and other things. However, it does get a little predat…
 
In this episode, The Annuity Man and Terry Savage discuss: Preparing for recession The wildcard in economy The two most interest things in the market Living off of the interest Key Takeaways: People are not prepared for the kind of recession we might be facing. The Feds will not let the government buy us out of this recession, even though it's a po…
 
Rising inflation and rising rates have created a challenging environment for retirees. At the same time, our industry is poised to offer significant protection. Today, we cover the waterfront with David Macchia, Founder & CEO of Wealth2k. We also talk about David's project to deliver free financial planning services for underserved communities. Lin…
 
In this episode, The Annuity Man discussed: You might already have lifetime income The most stupid reason to hate annuities The many ways to structure annuities Covering your basic expenses Key Takeaways: There’s a high probability that you already have lifetime income insurance in the form of Social Security, IRA, or a 401k. The real question isn’…
 
In this episode, The Annuity Man and Bill Black discuss: Who needs long-term care? Transferring wealth to your heirs tax-free Maximizing your death What good insurance companies do Key Takeaways: If you live long enough where you aren’t able to feed, bathe, transport, or dress yourself anymore, you’re going to wish you had long-term care set in pla…
 
The annuity industry reported record sales in the first half of this year. Leading the pack was none other than New York Life. Today, we meet Todd Taylor, Head of Retail Annuities for the company and discuss the state of the industry and what we might expect the rest of the year. Links mentioned: https://www.newyorklife.com/products/investments/ann…
 
In this episode, The Annuity Man discussed: Addiction to the stock market Taking an inventory of your life Leave it and live your life How to know if you’ve won the game Key Takeaways: There are two main reasons why people become addicted to the stock market, and that’s fear and greed. People love getting returns, and they hate the feeling of missi…
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Don’t sign up for “free” stuff Upfront bonuses are not real money What good advisors do There’s never an urgency to buy an annuity Key Takeaways: If you’re signing up for a free report, a free gift, or free whatever, then expect that you have to give up your personal information and therefore …
 
If you can't find the price of an asset, model, or index, does it really exist? If it's on the Nasdaq Fund Network you know it does and you know the price. Today, Aidan Shue and Ben Jones with the Nasdaq Fund Network join us to talk about discoverability and the needs and opportunities of an ever-increasingly digital world. Links mentioned in the s…
 
In this episode, The Annuity Man discussed: Short term options available in MYGA’s There’s no garbage in MYGAS’s MYGA’s and CD products Making yield great again Key Takeaways: There are good contractual yields available in MYGAs. They’re available in short term options of two year, three year, five year, or even seven year locked in periods. In MYG…
 
In this episode, The Annuity Man and Ellie Saul discuss: Medicaid is better than selling your soul to lead selling companies The three benefits that the non-inflation bill does for Medicare beneficiaries Looking out for yourself by doing your own research Don’t surrender your rights Key Takeaways: If you need money back and you can’t afford your pr…
 
Today, we look back to exactly one year ago when we met with Sheryl Moore to discuss the landscape of the annuity industry. How much has changed? Have you downloaded the latest Wink Intel report? Find Wink's reports and more, here: --- Summer is almost over. What's the outlook for the annuity industry as we head back to our (virtual) offices? Shery…
 
In this episode, The Annuity Man discussed: Choosing brutally factual service Listening to the facts. On your own terms and timeframe. Annuities should be bought, not sold. Key Takeaways: When you go to see your cancer doctor, you don’t want him to be your friend, you want him to be brutally factual. You need him to tell you the risks and the actio…
 
In this episode, The Annuity Man and Elliot Raphaelson discuss: Making sure you get your full benefits Eligibility in Medicare Getting educated through books, experts, and classes The good and the bad of I Bonds Key Takeaways: Turning 65 doesn’t automatically mean that you’ll get your full benefits. You have to verify what your full retirement age …
 
This week, we revisit an impactful and very relevant episode from this past year. Join us as we hear from our friend, and renowned retirement expert, Tom Hegna about creating more happy clients on their retirement planning journies. How can we create more happy retirement planning clients? Tom Hegna joins our show today to share his insights on how…
 
In this episode, The Annuity Man discussed: What chapter two is all about It’s okay to miss out Life span and health span The scars of the middle class Key Takeaways: When you go to chapter two of your life, it’s all about lifestyle; it’s all about contractual guarantees. Whether you want to protect the principal and never lose a penny or if you wa…
 
In this episode, The Annuity Man and Owen Schrum discuss: How cryptocurrency flopped with the market crash Risk is personal, so is inflation Are we going through a recession right now? Avoiding the emotional aspect of investing Key Takeaways: Cryptocurrency is supposed to be the new currency but when the market collapsed, Crypto collapsed along wit…
 
This summer, Nassau Re/Imagine hosted the first annual Retiretech Forum. Nearly 100 attendees representing industry decision-makers, and insurtech, fintech, and retiretech startups, joined us in Hartford, CT. Six-panel discussions with over 25 speakers took the stage at the Retiretech Forum, exploring sales & marketing, service & operations, produc…
 
In this episode, The Annuity Man discussed: What “zero is your hero” means Dirty tactics that agents use to sell annuities A more rational alternative CD product Zero is not your hero Key Takeaways: The phrase “zero is your hero” means that when the market goes down, you will not lose any money. In this world that we live in, you should always be g…
 
In this episode, The Annuity Man and Tom Hegna discuss: There are no second chances in retirement Why the bond market is down right now Annuities should be bought and not sold Investing wisely into cryptocurrency Key Takeaways: When it comes to retirement, there’s no dress rehearsal; there are no second chances. We need to get it right the first ti…
 
Most of us will need long term care at some point in our life. What if we could purchase insurance that would help us and our caregivers navigate the process? Tom Beauregard, Founder and CEO of HCG Secure joins us today to talk about the insurance and services his new company offers retirees. Links mentioned in the show: https://hcgsecure.com/ http…
 
In this episode, The Annuity Man discussed: Buying the dream, owning the reality The fear and greed pitch Simple is always better Focus on the lifestyle Key Takeaways: If you’re looking for the perfect product, eventually, you’ll find a person who’ll say they have it and sell it to you. You’ll buy the dream, but you’ll own the contractual reality. …
 
In this episode, The Annuity Man, Steve Vernon and Naomi Karp discuss: Safeguarding from financial exploitation The Money Path: six steps to protect yourself Things to consider when getting multiple advocates Easing someone else into planning for cognitive decline Key Takeaways: Financial exploitation is something you need to safeguard your future …
 
You will probably receive a statement by the end of the month from your 401(k) provider that includes a Lifetime Income Illustration. What does the projection actually mean? If you aren't certain, you are not alone. Jack Towarnicky, HR, Total Rewards, Employee Benefits Subject Matter Expert joins us today to explain the assumptions and the gaps in …
 
In this episode, The Annuity Man discussed: Should you purchase I Bonds? Treasuries are as safe as it gets Five places to put your money Inflation is personal Key Takeaways: Purchasing I Bonds is a no-brainer. Go to treasurydirect.gov to buy direct from the treasury I Bonds. Treasuries are as safe as it gets because they can tax us and confiscate o…
 
In this episode, The Annuity Man and John Lenz discuss: How inflation affected annuities Return On Premium MYGA’s The cost of not having a pivot feature Advantages of a guaranteed base Key Takeaways: The rise in interest rates has been a positive for the annuity space in general. SPIAs have responded nicely where the Single Premium Immediate Annuit…
 
The proverb that it's harder to climb down a mountain than go up is true in every sense of the word. Here's a gruesome stat - between 1921 and 2006, 56% of deaths above 8,000 meters occurred on the return trip and 17% died turning back. Just 15% died on the way up. The rest died of other causes. Similarly in financial planning, as hard as asset acc…
 
In this episode, The Annuity Man discussed: Limit on annuities Putting everything on an annuity How much should you invest in annuities? Why an application could get denied Key Takeaways: For most financial products, you can get as much as you want, but there is a limit on what you can get with annuities, and that’s a good thing. You’ll get denied …
 
In this episode, The Annuity Man and Bob Carlson discuss: Hedging for rising inflation rates Accessing institutional shares through 401k What are your digital assets? Watching out for blockchain technology Key Takeaways: The inflation rate that you experience is probably lower than what data that is shared suggests. However, don’t forget that infla…
 
This episode is for producers only. One of the biggest pain points in explaining annuities is describing the nature of the product guarantees. Most state laws prohibit agents or carriers from proactively discussing state guarantee associations with clients during the sales process. However, in an age of Google and best interest standards, does this…
 
In this episode, The Annuity Man discussed: Addiction to the market Reflecting on what you really want How would you like your retirement to look like When you don’t need an annuity Key Takeaways: It is possible to get addicted to the market, and when you’re at that point, you’ll need to give yourself an intervention. At some point, you’re going to…
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Annuity companies do not give free money Ways to know if you’re dealing with a qualified advisor Sales pitches that you should watch out for Buying a product that you understand Key Takeaways: Upfront bonuses are candy for the stupid. There are no philanthropists in annuity offices giving out …
 
A home is typically one of the largest individual assets we must include in a retirement plan. However, it's also one of the most illiquid ones. We've had several episodes exploring the role of home equity loans in solving the problem. Today, we look at a second option - selling part of the equity in your house to a third party. David Shapiro, Foun…
 
In this episode, The Annuity Man discussed: The annuity industry’s bad reputation Don’t trust the sales pitch Are all annuities bad? Ask for the contractual guarantees Key Takeaways: The annuity industry has unfortunately earned its bad reputation despite its monopoly on lifetime income. That’s because some agents target people who are not financia…
 
In this episode, The Annuity Man and Marcia Mantell discuss: Retirement planning is personal The uncomfortable “unexpected.” Who are the best financial advisors? Lasagna style income planning Key Takeaways: Friends and neighbors are not your friends when it comes to retirement decision-making. It’s all completely personal. If there’s anything that’…
 
In 2034 or 2035, the Social Security trust fund will be depleted. Much has been written about the significance of the event. Kerry Pechter, Editor of the Retirement Income Journal joins us again on the show to discuss why this fear is overblown. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow…
 
In this episode, The Annuity Man discussed: Which annuity provides historically higher guarantees? Being wary of ignorant advisors Getting the highest payout for yourself The choices for non-narcissists Key Takeaways: An income rider attached to Fixed Index Annuities historically provides higher contractual guarantees and has less fees than variabl…
 
In this episode, The Annuity Man and GUEST discuss: Why annuities get a bad rep What’s a tontine? Beating inflation Planning for health decline Key Takeaways: Annuities are often complicated, and they are typically sold to a group of vulnerable people. That could be a recipe for disaster. A tontine was one of the many ways that people used to finan…
 
Commissions v. fees? Low fees v. high fees? Almost everyone has a strong opinion today about the best way to get paid. At the end of day, we all agree the approach should best align to the client's best interests . Sara Grillo, The leopard of LinkedIn marketing for financial advisors and Scott Salaske, CEO at Firstmetric join us for a spirited disc…
 
In this episode, The Annuity Man discussed: Why do agents tell stories? Protecting yourself from bad pitches Don’t listen to these stories The only two important questions Key Takeaways: In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “eviden…
 
In this episode, The Annuity Man and Martin Parlato discuss: The biggest problem the government created How to send a country into stagflation Cryptocurrency is worthless Planning in six-month projects Key Takeaways: The problem is government spending and the supply chain - which the government can’t fix. People being paid to stay home contributes …
 
It's hard to believe we're living in a world with high inflation, MYGA rates over 4%, and a stock market that feels like a Disney ride. How did we get here and what comes next? That is t he topic of today's discussion with returning guest David Blanchett, Managing Director and Head of Retirement Research, PGIM DC Solutions. Also, do you want to get…
 
In this episode, The Annuity Man discussed: Not everyone needs to be exposed Bonds and market volatility Looking into lifetime income Questions to ask your advisor Key Takeaways: Financial advisors tend to advise their clients to do 60% equity and 40% bond split or that they always have some exposure, but it doesn’t apply to everybody. People who’v…
 
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 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 an…
 
Too often, investment advisors focus on "reverse dollar cost averaging" strategies for retirement planning and ignore longevity risk. All too frequently, women - who happen to live longer and earn less than men - find themselves at the most risk in this scenario. David Macchia, Retirement Income Entrepreneur, Founder of Wealth2k and author of Const…
 
In this episode, The Annuity Man discussed: Never, ever “sign now, decide later” How agents give annuities a bad name The trouble is not worth it There's never a time for urgency Key Takeaways: Never, ever “sign now, decide later.” If anybody pitches something that sounds too good to be true, it probably is. “Sign now, decide later” types of pitche…
 
In this episode, The Annuity Man and Adam Van Wie discuss: Being both analytical and tactical Does the market care about politics? Putin-proofing and pandemic-proofing your investments Two questions to ask your advisor Key Takeaways: You need to be analytical and strategic, investing in the long-term while at the same time looking at short-term tre…
 
Financial planning seminars. "The king is dead. Long live the king." In person seminars ground to a halt in 2020. Now they are back - but probably forever changed. Brad Swineheart — SVP of Business Development at White Glove talks with today about how firms successfully pivoted during rough times and what success will look like in the future. Also,…
 
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