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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 discussed: There are no U-Hauls behind hearses Why aren't you spending your money? Fly first class, or your kids will The millionaire next door Key Takeaways: The phrase “there are no U-Hauls behind hearses” means that you don’t get to keep anything you’ve amassed when you’re dead. It will hopefully be a wake-up cal…
 
Our guest this week is Joe Jordan. Do I need to say more? But I will. In today's episode, we discuss how the insurance industry has progressed from a focus on sales to a focus on planning. Joe explains why he thinks the next step will be to focus on helping create purpose for our clients in retirement. Links mentioned in the show:…
 
In this episode, The Annuity Man discussed: People who grew up poor see money differently The difference is in the perspective Checking the background of your advisor Your retirement is not a game Key Takeaways: People who experience poverty see money differently and often have a healthy respect for it. It would hurt them personally to see money lo…
 
In this episode, The Annuity Man and Terry Savage discuss: The national debt will not default Speculating on bitcoin Inflation, debt, and layoffs An annuity is not an investment Key Takeaways: Stop panicking. The national debt will not default. Think rationally about this instead of listening to bad opinions on television. There’s no financial stra…
 
Last week we looked back at 2022. This week we're looking ahead at 2023 with Scott Hawkins, Managing Director and Head of Insurance Research for Conning. Scott will also be a keynote speaker at our upcoming Retiretech conference in NYC on March 27th. More details will follow. Links mentioned in the show: https://www.linkedin.com/in/scott-hawkins-b7…
 
In this episode, The Annuity Man discussed: Locking in for three years and over The top three safest money When to go for CDs and treasuries Key Takeaways: Ask yourself how long you want to lock the money in for. MYGAs provide the highest contractual guarantee if it’s three years and over compared to CDs and treasuries. The safest money out of all …
 
In this episode, The Annuity Man discussed: You can afford the drink Stop making table lemonade Math is the medicine Taking baby steps Key Takeaways: You can afford the drink so go ahead and buy it. Don’t let the scars of scarcity control your life’s decisions. Live your life. Stop making table lemonade. Practices you’ve acquired while trying to su…
 
In this episode, The Annuity Man and Bob Carlson discuss: Changes in 401k and IRA provisions Why you should spend time on income taxes Generating guaranteed lifetime income Be prepared to adapt your plan Key Takeaways: The Secure Act 2.0 gives provisions that are designed to make employer retirement plans more available and to get more employees pa…
 
We covered a lot of topics in 2022 with many of the leaders of the retirement and annuity business. We thought it would be worthwhile to take a look back at the shows that stood out last year. And at the same time, think about what issues may be very important to discuss in 2023. As we plan our schedule for the coming year, please reach out and giv…
 
In this episode, The Annuity Man discussed: The fear of running out of money Solving the fear of running out Is FORO more important the FOMO? Using math to address FORO Key Takeaways: Most of us didn’t grow rich. We saw what it was like to live in scarcity, and today, many of us still carry those scars. Despite having millions or a portion of that,…
 
Our emotional relationship with money is complex. How we feel about it often shapes how we spend and how we save it. Joining us today is Jamie Hopkins, Managing Partner of Wealth Solutions at Carson Group and co-author of "Find Your Freedom - Financial Planning for a Life on Purpose". Jamie talks about how advisors and clients need to rethink goals…
 
In this episode, The Annuity Man discussed: Income gap-filling strategies The period certain immediate annuity Multi-Year Guaranteed Annuities When should you take social security? Key Takeaways: Social security is the best inflation annuity on the planet. If you’re looking for strategies to fill the income gap between ages 63-70, 65-70, or 62-70, …
 
In this episode, The Annuity Man and Jay Zawatsky discuss: The definition of good money Why both fiat and bitcoin is bad money Retiring with gold and silver Jay’s personal investment strategy Key Takeaways: If you have money that can store the value of your labor and preserve its purchasing power over long spans of time, then it is good money. Thro…
 
Indices continue to proliferate within the fixed indexed annuity market. Yes, choice is good for the client but it can create a complicated environment for the agent or advisor. Laurence Black, Founder of the Index Standard and Branislav Nikolic join us again to talk about how their company makes providing good advice easier. Links mentioned in the…
 
In this episode, The Annuity Man discussed: The free look time period Shopping for the highest guarantee What annuity businesses should do Key Takeaways: Interest rates are moving significantly, but no one can truly know where it goes. However, annuities have a policy in place where people are given a time period where they can pivot or take their …
 
Dementia presents a growing risk for all of us as we age. Research shows that even mild cognitive impairment makes it hard for people to manage their money on their own. Today we speak with Marti DeLiema, Naomi Karp, and Steve Vernon about a project designed to help. It's called the Thinking Ahead Roadmap. It's free on the web and intended to start…
 
In this episode, The Annuity Man discussed: Everyone goes through cognitive decline Considering cognitive strategies Transferring risk through annuities Why you should plan for cognitive decline Key Takeaways: It doesn’t matter how sharp or healthy you are right now, everyone will go through cognitive decline eventually. Start considering cognitive…
 
In this episode, The Annuity Man and Steve Parrish discuss: Why we need simple retirement solutions Transitioning from accumulation to decumulation How inflation affects insurance companies The benefits of delaying your social security Key Takeaways: There’s a huge need to decrease the complexity surrounding retirement. Retirees or pre-retirees tod…
 
Today, we catch up David Czerniecki, Chief Investment Officer for Nassau and get his perspective on the economy. We continue our discussion from last quarter about inflation, interest rates, market volatility, and the supply chain. In addition, we discuss of the current state of the digital currency market.…
 
In this episode, The Annuity Man discussed: Shopping for annuity products Marrying the company for lifetime income Avoid “one-size-fits-all” annuity products Buy annuities for the guarantees Key Takeaways: Buying annuities is like shopping for a plane ticket. Annuities are commodity products; you shop all carriers for the highest contractual guaran…
 
In part 2 of 2 Michelle lays out her proposal for revamping the web of state and federals rules and laws to make in-plan annuities a vibrant market in the future. Here's the full text of her discussion: Heads up to SOA, NAIFA, IRI, any other industry group- mark this moment as the point where contacts you have at these organizations should start li…
 
In this episode, The Annuity Man discussed: Should you worry about inflation? Annuity companies don’t give anything for free Inflation will not change your lifestyle Key Takeaways: Stop complaining about inflation when it doesn’t affect you or about increasing prices when you can afford it. Annuity companies don’t give anything away. If there's a p…
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Questions to ask your annuity agent Backtested numbers are garbage Index Annuities are not bad products When building for accumulation Key Takeaways: Ask what the participation rate is and when it can change. Annuity companies can change the rules, as they need to have some way to protect them…
 
The SECURE Act reinvigorated interest in expanding the market for in-plan annuities. However, we need to make many more changes to really drive adoption. In part one of a two part series, Michelle Richter and Mark Chamberlain of the newly renamed firm, Annuity Research & Consulting, share their roadmap for future success. Links mentioned in the sho…
 
In this episode, The Annuity Man discussed: Think again, would more money change your life? Peeling off the interest Are you really affected by inflation? Live your life now Key Takeaways: Why do you still keep money in the markets when you’ve won the game? Think about it, would more money really change your life? If the answer is no, then why are …
 
In this episode, The Annuity Man discussed: Are your plans volatile? The Safe Money Trifecta Managing your volatility Can you afford volatility? Key Takeaways: Your retirement plan is volatile if it’s at the whims of the markets and current global circumstances. You can take out the volatility from your plans by introducing contractual guarantees. …
 
In this episode, The Annuity Man and Marcia Mantell discuss: The good news that came with inflation What inflation really does Medicare Advantage or Medigap Key Takeaways: Social security got a large boost. On the one hand, we’re all lamenting inflation, but then those who are getting social security or are waiting to claim will get the benefit of …
 
Can a mutual fund create new income potential for investors by sharing mortality risk? The answer is "yes", starting in Canada. Fraser Stark, President of the Longevity Retirement Platform for Purpose Financial joins us to talk about his company's novel product. Links mentioned in the show: https://www.retirewithlongevity.com/ https://www.purpose-u…
 
In this episode, The Annuity Man discussed: Annuity fake news Too good to be true What’s at risk Fake news on two sides Key Takeaways: If someone tells you all annuities are all bad, it’s either they’re lying to you or that they don’t know what they’re talking about. “Market upside with no downside” plus a shiny upfront bonus sprinkled on top to “m…
 
What will the future of face-to-face distribution look like in the coming years. Today, we talk with someone who has always built a business five years ahead of the rest. Paul Blanco, Founder and CEO of Barnum Financial joins us to talk about the future of advisors, insurance agencies, wealth management and technology. Barnum is a general agency of…
 
In this episode, The Annuity Man discussed: How different your life could be with more money Retiring from work and the markets Investing safely and smartly Living off of guarantees Key Takeaways: People in the news and most financial advisors will tell you always to keep money in the markets, but you have to ask yourself this: will more money make…
 
In this episode, The Annuity Man and Michael Finke discuss: Annuities are more attractive today Protecting your future lifestyle Cutting little slices on the birthday cake There’s no perfect product to solve for inflation Key Takeaways: At the time of this episode’s taping, near-retirees can lock in 5.2% on five-year MYGAs for the next five years; …
 
For those of us in the business, it feels like interest rates have been rising every two weeks. Fixed rates and guaranteed income have gone up. However, other competing fixed income options have risen as well. How does this new environment reshape how we evaluate recommendations for our clients? We explore this topic and more with Michael Finke, Pr…
 
In this episode, The Annuity Man and GUEST discuss: CDs and MYGAs I-bond no-brainer The safest product in principal protection How safe are MYGAs? Key Takeaways: Here’s how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don’t have to pay any fees. You can take the interest if you want to at the end o…
 
Many people will experience shock when they open their 401(k) statements this year. Will the growing awareness of market risk open the doors for more in-plan annuity offerings in 2023? Today, we explore the challenges and opportunities of creating income protection inside 401(k) plans with Matt Wolniewicz, President at Income America. Links mention…
 
In this episode, The Annuity Man discussed: Dating your annuity company Marrying your company for lifetime income What do you want your money to do contractually? Dating MYGAs to peel of interest Key Takeaways: Dating a company means that we’re only going to be there for a specific duration. With multi-year guarantee annuities and fixed-rate annuit…
 
In this episode, The Annuity Man and Rick Ferri discuss: The Bogle-Head philosophy in investing Access to good financial advice The urgency of getting serious with retirement Implementing a plan for your own life Key Takeaways: Keep it simple, keep it low cost, and keep it low tax. Use index funds when you can because the performance of active fund…
 
Social Security remains the starting point for many client conversations. It takes a lot of work to stay current with the changes in rules. Martha Shedden, Co-founder, President at NARSSA, joins us today to talk about the tools agents can use. In addition, we cover answers to many common retirement questions that clients are asking today. Links men…
 
In this episode, The Annuity Man discussed: Market dreams kill retirement plans It’s time for you to live your life Do you have a plan in place? Chasing the markets is nonsense Key Takeaways: Advisors are telling people to stay the course but that’s easy to say when it’s not their money that’s on the line. Market dreams and market addiction to grow…
 
In this episode, The Annuity Man discussed: Annuities have a lot of types Protecting the principal Buying an annuity can be your last resort You need a contractual guarantee Key Takeaways: There are many types of annuities. There are Multi-Year Guarantee Annuities which is the industry's version of a CD. There are indexed annuities, variable annuit…
 
In this episode, The Annuity Man and Branislav Nikolic discuss: Always look for the better deal Annuities are not an investment Clearing the market before buying Don’t buy the hope; buy the guarantee. Key Takeaways: Don’t let someone show you just one product; shop them all because there’s always one better annuity than the others. You should const…
 
As is often the case in this industry, what is new is old. Today, we're seeing regulation re-emerge that the industry successfully challenged over 10 years ago. Kim O'Brien, Chief Executive Officer of the Federation of Americans for Consumer Choice joins us to talk about the new regs and court challenges her group currently leads. We also take the …
 
In this episode, The Annuity Man discussed: Do interest rates affect annuities How capacity affects annuities Tuning out the noise of the media Asking the right questions Key Takeaways: Annuity companies watch the Fed, but their decisions don’t drive the train; capacity does. Interest rates do affect annuities a little bit, but it’s not linear. Whe…
 
In this episode, The Annuity Man and Martin Parlato discuss: Where is inflation Cryptocurrency is a joke How to fix the supply chain What should the government be doing? Key Takeaways: Where can you see inflation personally affecting your life? Does inflation impact you, or are you just listening to the media too much? The real problem is the huge …
 
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…
 
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