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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
 
In this episode, The Annuity Man and Heather Schreiber discuss: Insolvency in the future When should you claim? Consulting with experts Collecting survivor benefits Key Takeaways: Somewhere in the years 2034 and 2035, social security will experience insolvency if nothing changes in the present. This is not as dire as it sounds; insolvency will only…
 
People are living longer. Much longer. How should that change how we plan for retirement? Steve Vernon, President at Rest-of-Life Communications and Consultant for the Stanford Center on Longevity joins us today to talk about the financial and emotional issues we all need to consider. Also, do you want to get regular updates on news about guests of…
 
In this episode, The Annuity Man discussed: Financial racism/classism in the annuity industry The responsibility of companies Don’t rush buying an annuity Hiring a trustworthy expert Key Takeaways: Financial racism/classism is going on in the industry these days. People who have worked their whole life that are not particularly financially savvy ar…
 
In this episode, The Annuity Man and Rick Ferri discuss: Outperforming 90% of investors Developing a simple portfolio Five ways to improve your portfolio Facing the risks Key Takeaways: Investing is not as difficult as others would have you believe. The best way to invest is to keep things simple; the fewer moving parts, the better. Develop a simpl…
 
Planning for retirement should not be just about figuring out how to pay the bills when the paychecks end. Planning should be about finding a new identity, purpose, and direction that is fulfilling in later years. Don Ezra, investment expert and author joins us to talk about his own journey into retirement and the guide he has created to help peopl…
 
In this episode, The Annuity Man discussed The two primary functions of an annuity Don’t time it; ladder it Annuities are based on life expectancy When life expectancy tables change against you Key Takeaways: There are two primary functions for an annuity: principal protection or income for life. Never buy an annuity for market growth. Don’t time i…
 
In this episode, The Annuity Man and Dana Anspach discuss: Don’t blame the hammer Overcoming confirmation bias Avoiding “perfect” products Long view financial planning Key Takeaways: Don’t blame the hammer. It’s easy to blame the tool, but many other variables come into play if it doesn’t work. It could be that the person using the tool lacks exper…
 
Everything in marketing changed with the pandemic. If you don't have a digital presence, you will not grow in the future. However, the first place to start is usually on improving your core business processes. Greg Dinetz, Co-Founder of Lone Beacon joins us today to talk about how examining your customer experience will uncover the most important d…
 
In this episode, The Annuity Man discussed: How annuity companies buy bonds for you Accessing industrial-grade bonds Interest rates play a secondary role Potential or contractual increases Key Takeaways: You can’t open an account with an annuity company and have them buy bonds for you, but when you sign a contract for an annuity they’ll buy bonds o…
 
In this episode, The Annuity Man and Ted Benna discuss: From spender to saver Getting more money in the long run Employees should care about employees Investing faster in your retirement Key Takeaways: The biggest help that 401k’s have provided is that they converted employees from being spenders into savers. A 401k plan enables an employee to esse…
 
In this business, we have all heard about the ability of annuities to create a guaranteed income in retirement. Today, Michael Finke, investments/retirement professor and Frank M. Engle Chair of Economic Security Research at The American College joins us to bring the actual numbers into sharper focus. Also, do you want to get regular updates on new…
 
In this episode, The Annuity Man discussed: Social security is a lifetime income stream The annuity that most are unaware of Your pension is your third annuity Do you still need an annuity then? Key Takeaways: The first annuity that you already own is Social Security. By definition, Social Security is a lifetime income stream that will pay you as l…
 
In this episode, The Annuity Man and Amanda-Jo Wilt discuss: Your most important asset Removing the barriers to health Weight acceptance and promoting health The problem with alcohol Key Takeaways: Your overall most important asset is your health. Invest in it, or you’ll lose out on enjoying your retirement. The best way to achieve a healthy lifest…
 
What role should an industry association play to support the growth of the life insurance and annuity business? This week's guest, David Levenson has invested a lot of time of energy answering this question. As President and CEO of LIMRA, LOMA & LLGlobal, Dave has redefined the mission, structure, and operations of our major industry association du…
 
In this episode, The Annuity Man discussed: Why do they sell you indexed annuities? Letting CPAs stay in their lane Listening to the right people No good reason to sell Key Takeaways: Your CPA should not be involved in financial advice. There is a reason why they often sell indexed annuities, and that’s because they’ll get the highest commission fr…
 
In this episode, The Annuity Man and Steve Vernon discuss: The Scrooge McDuck Syndrome Facing your reality Focusing on the future Maximizing your social security Key Takeaways: The problem with decumulation is foremost a psychological one. People feel better seeing that account with money sitting there, but you have to turn the switch and spend it …
 
Should your client pay off their mortgage as they head into retirement? Today, Jason Fichtner joins us again to talk about the risks inherent in answering this question with confidence. Jason is Vice President and Chief Economist at the Bipartisan Policy Center and Senior Fellow for the Alliance for Lifetime Income. Also, do you want to get regular…
 
In this episode, The Annuity Man discussed: What are interest rates? Payout rates and lifetime income Focusing on the monthly income You can’t beat the annuity companies Key Takeaways: Interest rates have to do with multi-year guarantee annuities, the annuity industry’s version of a CD. You will be locked in at a guaranteed interest rate. The payou…
 
In this episode, The Annuity Man and Paul Merriman discuss: The seven big things you need to know about investment Putting children on a glide path Avoiding market-timing Investing is simple Key Takeaways: Figure out a way to identify what equity asset classes you should have and figure out how to put them together. Everyone needs a glide path, and…
 
Indices continue to proliferate inside fixed indexed annuities. Some of them stand by brand name and reputation alone. The Nasdaq-100 falls squarely into that category. Today we have two representatives from Nasdaq on to talk about their index. You may be surprised about what you learn. We welcome Efram Slen, Head of Index Research and Mark Marex, …
 
In this episode, The Annuity Man discussed: What does Inverted Annuity Yield Curve mean? An opportunity in current events Are A++ companies too big to fail? Annuities are not bonds Key Takeaways: An Inverted Annuity Yield Curve is when the two-year treasury rate is higher than the ten-year treasury rate. Typically when that happens, that’s a pre-de…
 
In this episode, The Annuity Man and Peggy Nicholson discuss: Lying in a shallow grave How to live like you’re dying Letting money complicate your life Stop waiting for yourself to be ready Key Takeaways: Envision yourself lying in a shadow grave and reflect. Think about your legacy and the people you’ll leave behind. What are some things that came…
 
Since passage of the SECURE Act, we've all been talking a lot more about the institutional annuity market. However, Tamiko Toland with CANNEX has been working hard to build this business for a long time. Today we talk with her about the real opportunities and obstacles to bringing guaranteed income to a wider segment of the population. Also, do you…
 
In this episode, The Annuity Man discussed: The CBDC initiative The taxing of cryptocurrency Cryptocurrency is not going away How blockchain can affect annuities in the future Key Takeaways: Putin using cryptocurrency to thwart US banking has led the administration to be aggressive with going in the direction of digital currency. Since the governme…
 
In this episode, The Annuity Man and Charles Rotblut discuss: Creating your own financial plan Finding your real risk tolerance History repeats itself Crypto is purely speculative Key Takeaways: Prioritize your goals, recognize your risk tolerance, and identify your investment management preferences. Don’t be distracted by shiny objects, and rememb…
 
How many times have we discussed, debated, and loved the retirement rule of thumb known as the "4% Rule"? Today, we had the opportunity to speak with William Bengen, the creator of that exact rule. And as we learned, there are very good reasons why a seemingly simple concept like this continues to guide retirement planning today. Also, do you want …
 
In this episode, The Annuity Man discussed: Annuities are customizable An example of life with cash refund What does it mean to get a joint-life policy Options and choices when getting an annuity Key Takeaways: A life-only contract means that the annuity company is on the hook to pay as long as you’re breathing, but the money goes away when you die…
 
In this episode, The Annuity Man and Andy Panko discuss: How advisors should construct their fees The complexity of decumulation Making the plan as good as it can be Cryptocurrency is a lottery ticket Key Takeaways: The work isn’t linear to the asset size; advisors shouldn’t make more money just because assets go up. In the same way, advisors shoul…
 
Yes, markets do run in repeating cycles. However, the best traders ask themselves, "What's different this time?" Byron Boston, CEO of Dynex Capital explains that this is the very first rule his firm uses when plotting how to navigate their portfolio through changing times. However, two large exogenous events - the pandemic & now a war - pose large …
 
In this episode, The Annuity Man discussed: What are Black Swan Events? How current events affect everything Making a decision solely for your life Considering guarantees always Key Takeaways: When something strange happens, something you’re not prepared for, something you’re not used to seeing, or an event that’s entirely unique, then it’s a black…
 
In this episode, The Annuity Man and Michael Finke discuss: Delaying your decision to claim Insulating your income from volatility Inflation is personal Consequences of not annuitizing Key Takeaways: If you have a good reason to expect that you’re not going to live as long as an average American, then it makes sense to claim early. Unless, you have…
 
We opened our digital papers a few weeks ago to read an article in AM Best News entitled, "Annuity Providers See Growth Opportunity in US Retirement Plan Changes." Who was quoted but none other than two regular guests - Martin Powell, Head of Annuity Distribution for CUNA Mutual and Bruno Caron Associate Director at AM Best. It's a big prize. Even …
 
In this episode, The Annuity Man and Terry Savage discuss: Responding to the IRS return delays Managing your beneficiaries The opposite of tempting fate Setting an example Key Takeaways: Don’t go refiling your returns. Just be patient; your refund from last year will come eventually with 3% interest. Go to IRS.GOV and look for "sign in to my accoun…
 
Few days go by without a mention in the media about the potential financial crisis faced in the next 10+ years by the Social Security system. In 2034, the surplus in trust funds is expected to be depleted. How will our government respond? Today, we speak about this challenge with David Duley, CEO and Founder of PlanGap. PlanGap empower insurers and…
 
In this episode, The Annuity Man and Bill Black discuss: The predictability of death Long-term care rider Beating life insurance with investing Being wary of “tax-free income” Key Takeaways: Death is predictably imminent. We’ll never know when we’ll pass or if we’ll be needing long-term care somewhere along with our life. That’s why it’s best to ge…
 
We're all fortunate to work in an industry with a wonderful mission. How do we create more opportunities for people of color to experience the same rewards. That's the topic of today's conversation with Martin Powell, Head of Annuity Distribution and Gina Riepel Director of Strategic Accounts at CUNA Mutual Group. Also, do you want to get regular u…
 
In this episode, The Annuity Man and Allan Roth discuss: Minimizing expenses and emotions Social security is the best annuity Monte Carlo simulation method Some simple investing principles everyone should know Key Takeaways: Minimize expenses and emotions to maximize results. You need discipline and emotional fortitude to stay the course and not pa…
 
Why do we help people build retirement plans? To optimize cash flow? To minimize asset risk? Yes. However, these should simply be the tools that allow people to pursue their purpose in later life. Joe Jordan, speaker and best-selling author joins us again today to talk about his message that crosses countries, languages, and cultures. Also, do you …
 
In this episode, The Annuity Man and Owen Schrum discuss: Correction and volatility in 2022 Blockchain and cryptocurrency What’s causing supply chain problems? The most critical time for investing Key Takeaways: We will see a big increase in volatility this year and at least two corrections in 2022. Corrections are when the market goes down 10% or …
 
Language is powerful. It's exceptionally powerful in the highly regulated world of retirement planning. Michelle Richter, Principal at Fiduciary Insurance Services joins us today to give us a lesson in regulatory grammar and how recent new rules from the Department of Labor may change them. Also, do you want to get regular update s on news about gu…
 
In this episode, The Annuity Man and Gary Baker discuss: The bowling analogy Four different types of protection Contracts that serve the consumer’s need Comparing annuity programs Key Takeaways: Getting a new index annuity is like going bowling and asking to put bumpers on both sides so you wouldn’t get a gutter bowl. There are literally zero downs…
 
In this episode, The Annuity Man and Jeff Miller discuss: Benefitting from an expert’s guidance Inflation and increases in rates Correcting the social security issue Deciding when to retire and when to claim social security Key Takeaways: Consult with experts in social security to get as much valuable information as you need and generate the most o…
 
The cast of That Annuity show is proud to report that our retirement podcast, was recognized as one of the “Fifteen Must-Listen Podcasts” by . We really want to thank all the great guests in 2021 who made this possible. In particular, we want to give a big shout-out and thanks to , Annuity Gator for nominating us for this honor! Thanks to our spons…
 
In this episode, The Annuity Man and John Lenz discuss: What does laddering mean? Lowering risk until it’s nonexistent Hybridization of annuities Annuity industry standards Key Takeaways: Laddering is when you commit to pushing out your money when it becomes liquid into the long end of your ladder and recycling fixed income or annuities to keep you…
 
Someone once told me that finding an answer is easy. Coming up with the right question is not. In a complex process like retirement planning, the questions our clients ask and those we ask of them can prove more powerful for the outcome than the answers we actually receive. Today, Jason Fichtner joins us to talk about the importance of framing reti…
 
In this episode, The Annuity Man and Ellie Saul discuss: The difference between medicare and medicaid Selling and educating Being on guard for misinformation Getting the most out of your medicare Key Takeaways: Medicare is health care for people who are 65 or older, or someone who had a permanent disability for 24 consecutive months or has a specif…
 
Retirement planning conversations can easily focus only on traditional savings vehicles - 401(k)s, IRAs, money market accounts and stocks. However, home equity is an important asset that shouldn't be overlooked. Today, Don Graves, a best-selling author and President of the Housing Wealth Institute explains why every agent should be knowledgable abo…
 
In this episode, The Annuity Man discusses: How the application process has changed with changing and evolving technologies. Putting your trust and money with the carrier (and choosing your carrier wisely). Time frames on buying an annuity. Frustrations in the application and annuity process. The future of direct to consumer annuities. Key Takeaway…
 
Regulation never sleeps in our business. More states continue to enact the new NAIC model regs. And now the Department of Labor suggests it may come out with new fiduciary standards as well. How should the industry successfully navigate the shifting currents? Today, we get some great guidance from Hayley Maldonado and Eric Marhoun from the legal de…
 
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