Podcasts about Annuity

Steven is once again joined this week by Brian Smith from FIA to talk about something that will effect nearly every financial advisor at some point in their career: annuities that are no longer meeting client needs. 1 in 5 retirees have an annuity product of some kind, so it's a matter of "when", not "if," advisors will come across products that need to be evaluated to determine if they still fit in a client's plan appropriately. Brian provides a real-life example of how FIA recently helped an advisor navigate this challenge and ultimate help the client win.  https://zurl.co/Uhf0Y

In this episode of 7 Figure Annuity Sales, hosts Caleb North and Chad Owen explain why the most effective agents don't just take client requests at face value—they dig deeper to understand why clients are asking for what they're asking. Clients often come in convinced they need a specific product or feature, but the truth is those requests may not align with their actual goals. By uncovering the reason behind the request, you can get to the root of the problem and provide a solution that truly meets their needs.

In this episode, we dive into simple but powerful strategies to reduce stress and overwhelm in your advisory practice. Learn how to handle unexpected client requests without derailing your day by setting clear expectations and using a Model Week to protect your time.You'll also discover when it's okay to “punt” client questions to future meetings, how to avoid unnecessary urgency, and why most issues aren't true emergencies ⏳. Walk away with tools to create a calmer, more structured work environment while still delivering excellent client service.I hope you enjoy this new format and I look forward to delivering super fast tips & tricks with you! You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!Grab your 3-Day Challenge Sheet HERE!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In this episode, The Annuity Man discussed:  Recognizing annuity trade-offs Focusing on contractual guarantees Asking the right questions Evaluating strength over sales pitches   Key Takeaways:  No annuity is perfect; each comes with both benefits and limitations. They should be understood as commodity products rather than flawless solutions. Annuities should always be purchased for their contractual promises, such as lifetime income or principal protection, rather than hypothetical returns. The key to choosing the right annuity is identifying what you want the money to do contractually and when you want those guarantees to begin. When comparing annuities, focus on the company's financial stability and the highest contractual guarantees offered, not marketing claims or projections.   "If you do not need to contractually solve for one or more of those items in the PILL acronym, then you do not need an annuity." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Ready to get off the market roller coaster? This episode explores how “boring” income strategies—like Social Security timing and fixed indexed annuities—can bring steady cash flow in retirement. Brandon Bowen shares real-life stories, debunks annuity myths, and explains why predictable income is the key to enjoying life, traveling, and reducing stress. Discover how an income inspection can help you avoid regrets and build lasting financial security. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What does Warren Buffett’s $344 billion cash stash mean for your retirement strategy? On this episode of Retire Texas Style Podcast, Steve Hoyl & Derrek Caldwell of Hoyl Financial Group unpack the risks of market exposure, the power of fixed index annuities, and how to turn required minimum distributions (RMDs) into legacy-building tools. From real client stories to tax-saving strategies, they explore how retirees can diversify smartly, support family goals, and avoid costly mistakes. Whether you're planning for college funds or navigating Social Security, this episode offers grounded insights for securing your financial future. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Ferenc shares the short and long term risks to the current stock market and the overall economy.   Short-term:     - AI Bubble    - Extreme valuations (all-time highs)    - Extreme concentration in a few tech stocks    - Nvidia: about half of sales from only 3 companies   Long-term:     - Higher bond yields caused by government debt and stubborn inflation    - Increased borrowing costs    - Generally bad for stock and real estate valuations     How do you take advantage of future potential upside while protecting your downside?   Annuities offer unlimited upside potential while guaranteeing the principle against loss.  - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees. - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products. - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.    

What if the biggest threat to your retirement isn’t market volatility—but time itself?In this episode of The Retirement Playbook, Granger Hughes unpacks the overlooked risks that could derail your financial future. From the shifting landscape of Medicare to the hidden costs of longevity, this episode explores the strategies that truly matter. Learn how to de-risk your portfolio, build dependable income streams, and navigate the complexities of annuities—all without relying on guesswork. With economic uncertainty looming, Granger emphasizes the importance of a proactive, well-rounded approach to retirement planning. Whether you’re five years out or already retired, this episode is your reminder: Retirement isn’t the end—it’s your next beginning. Don’t leave it to chance! Hit play to discover what your financial advisor should be telling you. For events and complimentary consultations, visit hughesretirementgroup.com. See omnystudio.com/listener for privacy information.

In this episode of 7 Figure Annuity Sales, host Caleb North challenges agents to shift their focus from what they're doing to how they're doing it. Too many people in the industry get caught up in the actions themselves—making calls, running appointments, following up—without realizing that the process, intent, and execution behind those actions are what truly set top producers apart.

Fareeya Adam – CEO: Structured Products and Annuities, Momentum Wealth SAfm Market Update - Podcasts and live stream

In this episode of Retire Fit Radio, Nathan Fort discusses the unique challenges and opportunities facing Generation X as they approach retirement. With many Gen Xers now nearing 60, the conversation focuses on the importance of transitioning from saving to strategic planning, understanding tax efficiency, and the significance of having a clear cash flow strategy. Nathan emphasizes that retirement is not just about reaching a certain age but about having the freedom to live life on one's own terms. The episode also explores the risks of having 'lazy money' and the need for income-producing assets to ensure financial stability in retirement. Real-life scenarios are presented to illustrate common retirement challenges and the importance of personalized planning. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

A warning to pull back on risk in the market. Too many fees and too little performance. Does that describe your 401(k)? A new retirement risk to look out for. Like this episode? Hit that Follow button and never miss an episode!

Too many people think financial planning is just about picking investments—but it's much more than that. A great plan is a living, breathing roadmap that evolves as your life changes.  Richard Rosso & Jonathan McCarty uncover what makes the perfect financial planning experience—from getting your head straight, to gathering the right documents, to partnering with a fiduciary advisor who looks beyond just returns. You'll learn:  • Why real planning goes far deeper than investments.  • The documents and data you need to start your journey.  • How advisors help with behavioral rebalancing—keeping emotions in check.  • The difference between accumulation and distribution strategies.  • Why a fiduciary, holistic advisor adds real value to your financial life. If you want your plan to stay relevant—and not just collect dust in a binder—this episode is for you. 1 - Why Financial Planning is a Loss-leader for most firms 2 - Focus on What You're Doing Right 3 - Coaching the Young 4 - Your Financial Documentary 5 - Trust Fund Baby's & Nepo's 6 - Taking off the Pressure for Your Family 7 - Smaller Estate Tax Exemptions are One President Away  8 - Financial Planning is a Partnership 9 - How AI is Changing FP 10 - When All Financial Plans Lead to Annuities 11 - The Health Metric in Financial Planning 12 - Aging in Place with Rosie the Robot 13 - Financial Plans Must Change with Your Environment 14 - hat is the Most Importance Part of a Financial Plan for You? (Poll) 15 - Financial Planning w Children & Dearth of Financial Literacy 16 - Financial Planning & Investment Management 17 - Stress-testing Your Financial Plan Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP  Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=6QSPJnekS6U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- The latest installment of our new feature, Before the Bell, "Markets' Bullish Trend Remains Intact" is here:  https://www.youtube.com/watch?v=OPN3UX4VjI8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1  ------- Our Previous Show, "Stock Market Bubble? Extreme Valuations & What Investors Should Know," is here: https://www.youtube.com/watch?v=QXgmAXNATeU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Register for our next RIA Dynamic Learning Series event, "Savvy Medicare Planning," September 18, 2025: https://realinvestmentadvice.com/resources/events/savvy-medicare-planning-what-baby-boomers-need-to-know-about-medicare/ ------- Articles mentioned in this report: "Valuations Are Extreme: Navigating A Bubble" https://realinvestmentadvice.com/resources/blog/valuations-are-extreme-navigating-a-bubble/ "Portfolio Risk Management: Accepting The Hard Truth" https://realinvestmentadvice.com/resources/blog/portfolio-risk-management-accepting-the-hard-truth/ "Meme Markets: Investing vs. Entertainment" https://realinvestmentadvice.com/resources/blog/meme-markets-investing-vs-entertainment/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #RetirementPlanning #BehavioralFinance #MoneyMatters#InvestingAdvice #Money #Investing

Let's dig in a bit into what's long been a fun thought and topic of debate for lottery players...to take the lump sum payout or not to take the lump sum payout? 

Peak 65, the Social Security Bridge, and Why 64% Now Pick AnnuitiesBrief DescriptionJae (Education Fellow, Alliance for Lifetime Income) walks through PRIP 2025: Peak 65 demographics, inflation/volatility, and the Social Security “bridge” strategy. The punchline: plan off net, not gross—healthcare is Expense 1A. Clear takeaways on annuities vs. stocks and withdrawal pacing.00:00:00 Welcome + what PRIP is and why it matters00:01:00 Money's naming problem: annuities boiled down to function00:03:00 Peak 65 headlines: inflation, volatility, Social Security worries00:05:00 Knowledge gaps + uncertainty = delayed decisions00:06:00 Net vs. gross income: healthcare costs as Expense 1A00:09:00 TINA is gone: rates, volatility, and “stocks for show, bonds for dough”00:11:00 The 64% windfall stat: annuities vs. stocks and “why not now?”00:16:00 Social Security “bridge” = hedging longevity risk (spousal angle, COLA)00:22:00 The Four M's: Mortality, Morbidity, Markets, Macro reality00:27:00 Slow withdrawals (“conversion rate”) + wrap and next stepsIn This Video

In this episode of The Power of Zero Show, host David McKnight discusses why it may make sense to replace the bonds in your retirement portfolio with a Fixed Index Annuity, and how doing so could lead to a much better outcome for your retirement. For decades, financial advisors have followed the conventional wisdom of the 60-40, 60% stocks, 40% bonds. As you approach retirement, that ratio shifts even further in favor of bonds… …however, the problem is that today's bond market isn't built like it used to be, and bond yields are still below their historical averages. David touches upon the Fixed Indexed Annuity or FIA. Remember: when you replace the bonds in your portfolio with Fixed Index Annuities, you're not just getting similar safety. You're actually improving your outcomes across the board. David stresses that, in retirement, it's not all about rates of return. It's about how consistent that return is. Something good to keep in mind: bonds can and do lose value. If interest rates spike, bond prices fall. If inflation spikes, bond purchasing power falls. Are you 5-10 years away from retirement or already retired? If so, it's time to reevaluate the role of bonds in your portfolio. The reason for that is that bonds aren't offering the returns they once did, carry more risk than most people, and they may no longer be the best way to reduce volatility or protect your portfolio. David puts it bluntly: “If you aren't using Fixed Index Annuities as a bond alternative, you could be missing out on one of the most powerful safe money strategies available today.”     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey Suze Orman Ken Fisher S&P 500

In this episode, The Annuity Man discussed:  Annuities as lifetime income How annuities are priced Focus on contractual guarantees Two primary purposes of annuities   Key Takeaways:  Annuities, like Social Security or pensions, provide guaranteed income for life. They come in several forms, such as immediate, deferred, and longevity annuities, each designed to fit different timing and retirement needs. The pricing of annuities is based on life expectancy, interest rates, and insurer capacity. Because of these factors, annuity quotes change frequently, much like other market-driven products. Annuities should be purchased for their contractual guarantees rather than hypothetical returns. Comparing these guarantees across different carriers ensures you get the most reliable value. The main reasons people buy annuities are for principal protection and income for life. Choosing the right annuity depends on what you want your money to do and when you want the guarantees to begin.   "Capacity equals competition. And that's the reason that when you look at annuities for just the contractual guarantees of the policy, which is the reason you should buy, never buy an annuity for the hypothetical returns." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 09/06/25 – HERO’S Talk Radio Read More » The post 09/06/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Sometimes the smallest shifts create the biggest results. In this episode, Libby challenges you to focus on just one tiny habit for 30 days. Drawing inspiration from James Clear's book Atomic Habits, she shares why less really can be more when it comes to creating lasting change in your business and life. Instead of overloading yourself with too many new goals, this simple framework will help you build momentum, reduce overwhelm, and actually stick with the changes you want to make.Here's what you'll learn in this episode:Why one small daily action can transform your business and lifeThe science of compound growth through habits and the “1% better” principleHow identity-based habits drive deeper, more lasting changeThe four keys to creating habits that actually stick (make it obvious, attractive, easy, and satisfying)How to join Libby's 30-Day Challenge and use the free tracker to stay accountableIf you've been feeling pulled in a thousand directions, this episode will help you simplify, focus, and finally see results. Pick one habit, commit for 30 days, and watch how much shifts in your practice and your life.Grab your 30-Day Challenge Download HERE!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In this conversation, Alex Murguia and Wade Pfau explore strategies for retirement planning, including hedging against inflation, using break-even analysis in Social Security decisions, and evaluating annuities for retirement income. They also cover the implications of Roth conversions and the reverse equity glide path strategy for managing investments. The discussion highlights the importance of understanding how different financial tools contribute to a comprehensive retirement plan.   Takeaways Hedging against inflation can be approached through TIPS or equities, each with distinct risk profiles. TIPS provide a contractually protected hedge against inflation, while equities may offer higher long-term growth. Break-even analysis for social security is often misleading and can lead to poor decision-making. Delaying social security benefits can provide inflation-adjusted lifetime income, which is crucial for retirees. Annuities can be a useful tool for ensuring reliable income, but their lack of inflation protection must be considered. Paying taxes for Roth conversions from an IRA is acceptable if no other funds are available. The present value of social security benefits should be considered as part of a retiree's bond-like income. The reverse equity glide path strategy can help manage sequence risk in retirement by gradually increasing equity exposure. Understanding the implications of social security estimates is essential for accurate retirement planning. Investment strategies should align with individual risk tolerance and retirement income needs.     Chapters 00:00 Market Valuations and Investment Strategies 00:00 Inflation Hedging: TIPS vs. Equities 04:23 The Break-Even Analysis of Social Security 09:54 Annuities and Inflation Protection 14:01 Roth Conversions and Tax Strategies 20:01 Social Security Strategies for Couples 26:58 Retirement Income Challenges and Strategies   Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Think you need a million dollars to retire? Think again. In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down the myth of the “magic number” and explains why retirement planning starts with understanding your monthly cash flow needs. From guaranteed income strategies to annuity insights and milestone ages, Kevin shares real-life examples and practical tools to help you build a personalized retirement roadmap—without the guesswork. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Is your retirement income plan built to last? In this episode, Brandon Bowen breaks down the pros and cons of annuities and explains why guaranteed income is the cornerstone of a successful retirement strategy. From fixed indexed annuities to income riders, Brandon shares how to protect your principal, avoid high fees, and create a reliable cash flow—even if the market takes a hit. If you’re 50+ and have saved $500K or more, this is the income planning conversation you don’t want to miss. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Thinking of retiring at 60? You might want to hear this first. On this episode, Steve Hoyl and Derrick Caldwell of the Hoyl Financial Group break down the hidden costs of early retirement—from the Medicare gap to risky portfolio decisions—and why planning is everything. Learn how annuities, income strategies, and realistic budgeting can help you retire with confidence, not chaos. Whether you're dreaming of beach days or worried about medical bills, this conversation is your wake-up call to retire smart. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Ferenc discusses the parallels between the current tech stock market bubble and the dot-com era, emphasizing the risks of overvaluation and potential corrections. He recounts a listener's 100% return on tech stocks and warns of the dangers of not locking in gains. Ferenc highlights the MIT study showing 95% of companies saw no return on AI investments, and the potential for a severe market correction. He also addresses the Federal Reserve's new inflation target and the implications for interest rates. Ferenc advises on risk management strategies, including annuities and cash value insurance, to protect against market downturns.   Issues & Risks     • AI stocks may be in a bubble, similar to the dot-com era.   • According to a MIT study 95% of companies investing in AI have seen no financial benefit.   • Tech stocks account for 46% of S&P 500, higher than dot-com peak.   • Margin debt has surged to an all-time record of over a trillion dollars.   • Heavy truck index, a recession indicator, is going down strongly.   • Nvidia's valuation is now triple the entire energy sector.   • A third of the US economy is in recession or at high risk.   How do you take advantage of future potential upside while protecting your downside?   Annuities offer unlimited upside potential while guaranteeing the principle against loss.  - This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees. - If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products. - Many of my clients are earning 2-10x increased returns annually than their previous annuity products!  

Fareeya Adam – CEO: Structured Products and Annuities, Momentum Wealth SAfm Market Update - Podcasts and live stream

Today we are talking with a hand surgeon later in his career who has become a multimillionaire. This inspiring doc shared his successes as well as his mistakes on his journey to becoming financially secure. He is a great example of not having to do it perfectly the second you get out of training. Slow and steady learning, growth and savings will pay off in the long run. He feels strongly about the importance of paying yourself first and giving generously. After the interview we are talking about annuities for Finance 101. Since April 2021, more than 650 physicians in the White Coat community have invested over $300 million with DLP Capital, a 12-time Inc. 5000 honoree that offers four private real estate investment funds—one of my favorite ways to invest in real estate. If you're eager to achieve success as a private real estate investor, DLP's impact-focused sponsored funds offer the potential to earn double-digit returns while making an impact on America's affordable housing crisis. Interested in learning more? Head to https://WhiteCoatInvestor.com/DLP today. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode of Retire Fit Radio, Nathan Fort discusses the evolving landscape of retirement planning, emphasizing the need for modern strategies that reflect today's economic realities. He critiques outdated methods like the 4% rule and highlights the importance of having a comprehensive financial plan. The conversation covers various topics, including income strategies for retirement, the pros and cons of Roth and traditional IRAs, and real-life scenarios that retirees face. Nathan encourages listeners to seek clarity and control over their financial futures by working with a fiduciary advisor. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

That annuity you bought years ago? A lot has changed since then. With today’s higher rates and new features—like inflation protection, bonus credits, and partial liquidity—new contracts may look tempting. But should you really swap out the old for the new? In this episode, we break down how to review your existing annuity, the pitfalls to avoid, and when a 1035 exchange could be the smartest tax-free move of the year. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

This week we hear from America’s Wealth Coach and bestselling author Pete D’Arruda. He’s got taxes on his mind. Joe Murphy has insites from this week in the market. Greg Berrian tackles Medicare and standard health care and helps us navigate through them. Kevin Brucher introduces us to a site called charity navigator and how you can use it to make sure your money is going to the best charity for you. A new Brokers Behaving Badly that we call from Texas Dudes to Texas Toast. To learn more visit Financial Pizza. For information on creating your own podcast visit Broadcasting Experts.See omnystudio.com/listener for privacy information.

Annuities are one of the most heavily marketed financial products—and often one of the most misunderstood. They promise growth without loss, guaranteed income, and peace of mind. But behind the sales pitch lies high commissions, long surrender periods, and frustrating caps on growth. In this podcast, Jeremiah and Nic pull back the curtain on annuities and introduce a compelling alternative: structured notes. These innovative investments offer downside protection, defined outcomes, and the potential for enhanced upside—all without the commission-heavy baggage that comes with most annuities. You'll learn: The hidden costs and pitfalls of annuities. How structured notes provide flexibility and clarity. What “soft protection” really means for your portfolio. Why defined outcome investing may align better with your long-term goals.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

In this episode, The Annuity Man discussed:  The value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer. By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.   "It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed Annuity." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 08/30/25 – HERO’S Talk Radio Read More » The post 08/30/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

On this episode of The Capitalist Investor, Tony Zabiegala is joined by Dave Abate to tackle the dangerous “one-size-fits-all” advice that floods financial media—from TV personalities to radio shows and podcasts. They break down three of the most common myths they hear from clients: Annuities that promise 8–9% returnsFear-based Medicaid planning strategies that can destroy your retirement planHot tips about crypto, gold, and stocks that sound exciting—but rarely make sense in a real portfolioTony and Dave share the behind-the-scenes truth about how these recommendations are sold to the public and why you need a personalized strategy built around your specific goals—not media hype. They also share their “apple pie” analogy that simplifies how real planning works. 

In this episode of The Efficient Advisor, Libby sits down with marketing and branding expert Robyn Crane to explore how financial advisors can future-proof their business in an AI-driven world. Robyn shares her personal journey from struggling advisor to seven-figure business owner and reveals her BRAND formula for creating an authentic personal brand that attracts affluent clients — without getting replaced by technology. From overcoming limiting beliefs to aligning with your ideal client, this conversation is packed with both inspiration and tactical steps you can apply right away.

This week, Blake Phillips talks with Jackson Bradley, RVP of Member Success at DPL. Together, they discuss why Registered Investment Advisors (RIAs) are increasingly embracing annuities. They explore what's driving this shift and how firms like DPL are helping to rewrite the annuity narrative. Jackson also shares real-world insights on RILAs and how DPL provides the support, resources, and technology to help RIA firms confidently integrate annuities into their fiduciary frameworks. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

What if your retirement plan is built on numbers that don’t actually apply to you? In this episode, Mike Canet and Ryan Herbert expose the pitfalls of generic financial advice—like buying annuities without knowing your real income needs. Through stories of retirees overspending, over-saving, and overpaying in taxes, they show how personalized planning can prevent costly mistakes. Want to begin building your retirement and tax plan? Schedule a 15-minute call with us here:

In this episode of 7 Figure Annuity Sales, hosts Caleb North and Chad Owen discuss how personal challenges can influence and even improve the way you approach business. Chad shares some of the difficulties he's faced recently and explains how those experiences have helped him relate more directly to clients, understand their concerns, and guide them toward the most effective solutions. This conversation shows how business success often comes from simplifying, listening, and staying focused on solving client problems the right way.

Paul asks Dan to share some of his experience with clients around annuities to help people see what's actually going on behind the scenes. Dan shares a story of a client who bought an annuity and was sold an income rider, believing this would help her have a consistent income for years. The payout of this product after the cost of the rider was $90 a month. Listen along as these advisors help you see how the language around these products is twisted to make you believe that you're getting returns or even wealth growth that isn't there.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this episode of Retire Fit Radio, Nathan Ford discusses the evolving landscape of annuities in light of rising interest rates. He emphasizes the importance of reviewing older annuities, understanding their features, and being aware of hidden fees. The conversation also covers strategies for retirement income, including the benefits of the 1035 exchange and the importance of having a clear financial plan. Listeners are encouraged to evaluate their current annuities and consider whether they are still the best fit for their retirement goals. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Jim and Chris discuss listener questions on Social Security retroactive payments and delayed retirement credit timing, share a listener PSA on horse speed, and answer questions on fixed indexed annuity default credits, a living benefit rider with a proprietary index, and RMD rules for an inherited account. (15:45) A listener asks if the lack of […] The post Social Security, PSA, Annuities, RMD Rules: Q&A #2534 appeared first on The Retirement and IRA Show.

This week on the Retirement Quick Tips Podcast, I'm ranking the worst investments for retirees. These investments are ones that I have never recommended and it's because after 17 years, I've seen them backfire - and in some cases, ruin someone's finances in retirement.  Today, I'm talking about annuities.

In this episode, The Annuity Man discussed:  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 of the term, and do what you want with your money. MYGAs are basically the annuity industry's version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy them for yourself. The only downside of treasury bonds is that there's a limitation on how much money you can put in them.  Of these three safe principal protection options, treasury bonds are the safest because the government can tax or confiscate money in order to pay them, and they will. The second safest one is CDs, since they are government-based as well.  MYGAs are safe products to invest in, and their safety is based on the annuity company's ability to pay. They are commodity products, and the money you'll get from them can be used to buy another MYGA from another company. However, you can't put all your money on annuities; you've got to spread it around.    "This trifecta is a contractual guarantee:  CDs, Treasuries, Multi-Year Guarantee Annuities. You're owning these because of what they will do, not what they might do. You're buying the yield. The yield is contractual." —  Stan The Annuity Man    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if you do plan to call it quits around age 57, and spend big early on? Should you convert retirement funds to tax-free Roth after you stop working? Joe Anderson CFP® and our special guest co-host, Marc Horner, CFP® spitball on these topics for "Beavis and Daria" in Texas and "Clark Kent" in Pennsylvania, today on Your Money, Your Wealth® podcast number 543. Plus, the sooner 56-year-old "Tony Soprano" in New Jersey can retire, the better. What tips do Joe and Marc have for him? By the way, Marc is one of the newest principals here at Pure Financial Advisors. He's the founder of Fairhaven Wealth Management, which has just become the newest Pure Financial Advisors Chicagoland office in Wheaton, Illinois - so help us welcome him for his YMYW debut. Free financial resources & episode transcript: https://bit.ly/ymyw-543 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) DOWNLOAD the Withdrawal Strategy Guide for free WATCH Withdrawal Trap Doors on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - Spending Higher Earlier in Retirement to Celebrate? How to Convert? Where to Withdraw? (Beavis & Daria, TX) 12:30 - Watch Withdrawal Trap Doors on YMYW TV and Download the Withdrawal Strategy Guide for free 13:36 - Can I Retire at 57 Even With a High Draw Down Rate? Should I Convert After Retirement? Should I Consider an Annuity? (Clark Kent, PA) 28:23 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 29:09 - When Can I Retire? The Sooner the Better. (Tony Soprano, NJ) 37:43 - Next Week on the YMYW Podcast 38:01 - YMYW Podcast Outro

We often think that only big moves create transformation in business, but it's the tiny daily habits that add up to create massive impact. In this episode, Libby shares 11 small but mighty shifts that helped her grow her practice to seven figures, streamline her workweek, and create more time for family and life outside the office. These are practical strategies you can start implementing today to reduce stress, reclaim your focus, and build a business that serves you—not the other way around.What you'll learn in this episode:How to switch from reactive mornings to proactive ones for maximum productivityWhy checking email only twice a day can save your sanity and boost efficiencyThe importance of limiting yourself to three business goals each quarterHow to create space for big-picture thinking through CEO days and brain dumpsWhy white space, shutdown routines, and even prayer can transform your business mindsetThese tiny habits aren't overwhelming, but when stacked together they can completely change the way you work and the results you achieve. Listen in to learn which ones you can adopt right away to start making meaningful shifts in your business and your life.Items Mentioned in This Episode: LIbby's Weighted VestLibby's Favorite PlannerBuilding a Second Brain by Tiago ForteEpisode #178 on Theming your Day with Michael KitcesLearn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

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In this episode of 7 Figure Annuity Sales, host Caleb North breaks down 9 powerful ways annuity agents can build credibility with clients. Credibility isn't just about knowing your products—it's about how you present yourself, position your expertise, and leverage tools that show clients they can trust you with their retirement future. ➡️ Caleb covers: Why being an actual expert is the foundation of credibility How professional branding sets you apart from other agents The role of media presence—from books and podcasts to guest spots and articles Leveraging established platforms to boost your authority and more! Whether you're new to annuity sales or already established, these strategies will help you build the kind of trust and authority that makes clients eager to work with you—and confident in your recommendations.

In this episode, we ask: Would you like to read Mark's new book, co-authored with David Barnett, The Business Fortress: How to Grow, Protect and Exit Your Business with Confidence? What are the three musicians? How are annuities like Weird Al Yankovic? What are annuities, anyways? How much income do you want a year? What...

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In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the most common and important financial decisions in pension and retirement planning—whether to take a pension annuity or lump sum. They explain how this decision can impact your overall retirement income planning, legacy goals, tax strategy, and long-term financial flexibility. This isn't a one-size-fits-all answer, and they dive into the detailed considerations that retirees should think through.Listen in to learn about the pros and cons of pension payout options, such as taking a monthly pension annuity with survivor benefits or opting for a lump sum pension that can be rolled into an IRA. You'll also hear real-life examples of clients who made different decisions based on their financial situations, including tax strategies like Roth conversions and opportunities for guaranteed retirement income outside of the company plan. If you're asking, "Should I take a pension lump sum or income stream?" this episode is essential to retiring comfortably.In this episode, find out:Key differences between a pension annuity and a lump sum.How to leverage a pension rollover to IRA for flexibility and tax advantages.The role of spousal coverage and legacy planning in pension decisions.Risk and reward considerations for managing pension in retirement.How to evaluate which option supports your personalized retirement checklist.Tweetable Quotes:"There's no one-size-fits-all when it comes to pensions—your decision must be based on your entire retirement picture." – Murs Tariq"Pension choices affect your income, taxes, and legacy—we help people analyze their options to secure their retirement." – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Jim and Chris discuss listener questions on Social Security timing strategies, Roth conversions in an RMD year, annuity return calculations, account sourcing for SPIA purchases, and Rule of 55 withdrawal rules.(12:30) A listener asks whether his brother should delay claiming Social Security to age 70 for better longevity protection despite a narrow breakeven.(35:15) George asks […] The post Social Security, Roth Conversions, Annuities, and Rule of 55: Q&A #2532 appeared first on The Retirement and IRA Show.