Podcasts about Annuity

What if the problem is not that online leads do not work, but that most advisors are targeting the wrong people with the wrong message?   In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Allan Khazak, Founder & CEO of Vroom Media Group, who explains how his company helps insurance agents, RIAs, regional firms, and IMOs attract better prospects through targeted online advertising, client avatars, landing pages, surveys, nurture campaigns, and sales training. He also discusses why dinner seminars and radio shows are less effective than they used to be, how compliance affects advisor marketing, and why patience, follow-up, and continual improvement are essential to converting online leads.   Key Takeaways: → Online ads perform best when advisors target a specific client avatar. → Campaigns focused on tax issues, Roth conversions, or TSPs can attract more qualified prospects. → Lead quality improves when prospects are filtered by age, assets, and fit before they reach the advisor. → A strong landing page and survey process help train the ad algorithm to identify better prospects. → Advisors who treat every failed conversation as feedback can improve conversion rates over time. Allan Khazak is a Canadian entrepreneur, digital marketing expert, and founder and CEO of Vroom Media Group, a results-driven agency that helps life insurance brokers, financial advisors, and annuity agents generate qualified prospects and convert them into clients. Raised in Canada by an immigrant family, Allan developed a strong work ethic and entrepreneurial mindset early in life. He studied at the Schulich School of Business at York University in Toronto before beginning his career in public accounting. In 2019, Allan founded Vroom Media Group to help solve one of the insurance industry's biggest challenges: consistent lead generation and conversion. Under his leadership, the agency has built a niche using data-driven strategies, online advertising, and proprietary systems to help advisors book qualified appointments and grow annuity production.   Connect With Allan: Website: https://www.vroommediagroup.com/ Instagram: https://www.instagram.com/vroommediagroup/ X: https://x.com/GroupVroom Facebook: https://www.facebook.com/VRMMediaGroupLeadGen Learn more about your ad choices. Visit megaphone.fm/adchoices

SpaceX has become one of the most anticipated investment stories in modern market history. Between Elon Musk's popularity, the company's technological achievements, and years of speculation about a public offering, investor excitement is reaching fever pitch. But what happens after the hype? Lance Roberts & Jon Penn examine the lessons to be learned from previous high-profile IPOs, and why some of the biggest investing mistakes occur after the initial excitement fades. We discuss valuation, investor psychology, momentum chasing, and the risks that emerge when enthusiasm becomes disconnected from fundamentals. We also look at the growing speculative interest surrounding leveraged products tied to the SpaceX theme, and why investors should be cautious when Wall Street starts packaging excitement into increasingly aggressive investment vehicles. Here's a topical rundown of today's show: 0:00 - INTRO 0:56 - America's 250th Anniversary Time Capsule & Space-X IPO 3:48 - The Bullish Setup Returns 8:18 - Back from Vacay... 9:32 - IPO's & Space-X 12:04 - What Happens Next - the Advantage in Waiting 14:19 - The FOMO Factor 17:53 - What Could Possibly Go Wrong? 19:02 - Has AI Lost Steam? (The New U.S.Industrial Revolution) 21:37 - What's Next After Iran War? (Economic Pressure Index) 24:08 - Two Things Driving Markets: Profitability & Optimistic Earnings Estimates 25:17 - Italian Gasoline Prices 28:38 - Interest Rates, Bonds, & Kevin Warsh at the Fed 33:59 - A Tip about TIPS 35:44 - Why You Should Own Some Bonds 37:59 - The Three Components of Investing: Safety, Liquidity, & Returns 41:01 - Annuities as Bond "Alternatives?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Xr1Ut115-xA ------- Watch today's "Before the Bell" feature, "Bullish Setup Returns," here: https://youtu.be/ox4_xMsXqt4 ------- Watch our previous show, "Bull Market Pullback - Is the Correction Over?" https://youtube.com/live/csXApjrvlNY?feature=share ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- 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/ #StockMarket #MarketUpdate #Investing #ArtificialIntelligence #SectorRotation #SpaceX #ElonMusk #IPO #Bonds #Annuities #KevinWarsh

SpaceX has become one of the most anticipated investment stories in modern market history. Between Elon Musk's popularity, the company's technological achievements, and years of speculation about a public offering, investor excitement is reaching fever pitch. But what happens after the hype? Lance Roberts & Jon Penn examine the lessons to be learned from previous high-profile IPOs, and why some of the biggest investing mistakes occur after the initial excitement fades. We discuss valuation, investor psychology, momentum chasing, and the risks that emerge when enthusiasm becomes disconnected from fundamentals. We also look at the growing speculative interest surrounding leveraged products tied to the SpaceX theme, and why investors should be cautious when Wall Street starts packaging excitement into increasingly aggressive investment vehicles. Here's a topical rundown of today's show: 0:00 - INTRO 0:56 - America's 250th Anniversary Time Capsule & Space-X IPO 3:48 - The Bullish Setup Returns 8:18 - Back from Vacay... 9:32 - IPO's & Space-X 12:04 - What Happens Next - the Advantage in Waiting 14:19 - The FOMO Factor 17:53 - What Could Possibly Go Wrong? 19:02 - Has AI Lost Steam? (The New U.S.Industrial Revolution) 21:37 - What's Next After Iran War? (Economic Pressure Index) 24:08 - Two Things Driving Markets: Profitability & Optimistic Earnings Estimates 25:17 - Italian Gasoline Prices 28:38 - Interest Rates, Bonds, & Kevin Warsh at the Fed 33:59 - A Tip about TIPS 35:44 - Why You Should Own Some Bonds 37:59 - The Three Components of Investing: Safety, Liquidity, & Returns 41:01 - Annuities as Bond "Alternatives?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Xr1Ut115-xA ------- Watch today's "Before the Bell" feature, "Bullish Setup Returns," here: https://youtu.be/ox4_xMsXqt4 ------- Watch our previous show, "Bull Market Pullback - Is the Correction Over?" https://youtube.com/live/csXApjrvlNY?feature=share ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- 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/ #StockMarket #MarketUpdate #Investing #ArtificialIntelligence #SectorRotation #SpaceX #ElonMusk #IPO #Bonds #Annuities #KevinWarsh

There are no annuity roller coasters—only contractual guarantees. In this episode, Stan "The Annuity Man" breaks down why properly structured annuities should remove market drama from your retirement plan and how to avoid being taken for a ride by sales pitches.   In this episode, The Annuity Man discusses:  The "roller coaster" of expectations vs. actual contract terms Why contract-based annuities avoid market swings How MYGAs blend CD and bond benefits without volatility Using lifetime annuities for income and legacy planning Indexed vs. variable vs. RILA annuities: key differences How bonuses and illustrations can set unrealistic expectations   Key Takeaways:  Annuities issued by life insurance companies are contracts, and when you buy them for what they will do (not what they might do), you eliminate the emotional roller coaster of market volatility. Multi-year guaranteed annuities (MYGAs) act like the annuity industry's version of a CD or bond, but with an underlying value that does not fluctuate, making them attractive for the "go-go" years of retirement. Lifetime income annuities can be structured to provide a static monthly payment for life while ensuring that, if you die early, remaining value goes to your beneficiaries rather than the insurance company. Products like variable annuities and RILAs/buffer annuities often come with market exposure, moving parts, and hypothetical illustrations, which Stan rejects in favor of simple, contractual guarantees. The real "roller coaster" in the annuity world isn't the contracts—it's the sales pitches, including unrealistic bonus offers and performance promises that don't match what the contract is actually designed to do.   "There's no roller coasters with lifetime income with annuities. There's a contractual guarantees. Period." —  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! 

What does it really take to replace your paycheck in retirement—and why might the old 4% rule fall short? This episode explores the rising cost of retirement, estimated at $5,300 per month, and the critical role of guaranteed income sources like Social Security and pensions. Kevin Madden discusses building reliable cash flow using alternative strategies, from fixed annuities to diversified income planning, while addressing risks like inflation, market volatility, and overreliance on 401(k)s. The conversation highlights how tailored income strategies—not arbitrary savings targets—shape long-term financial stability. 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.

Annuities are among the financial products that can spark a lot of strong opinions. Some people love them, while some people warn everyone to stay far away from them. A lot of people are stuck somewhere in the middle, trying to figure out what an annuity actually is, what it does, and whether it makes sense for their situation. The hard part is that annuities come with a lot of jargon, fees, surrender charges, and sales language that can make them hard to understand. And when you're making decisions with retirement money, your TSP, a pension, or other savings, confusion can get expensive fast. In this episode, Tracy Lownsberry, founder of Annuity Giants, Army veteran, and annuity expert, breaks down annuities in plain English. We talk about what annuities are, the problems they're designed to solve, who they may or may not be right for, what military families should consider, and the red flags to watch for before buying one. For more information, visit the full show notes at https://milmo.co/podcast/annuities-explained-without-the-sales-pitch   For more MILMO, follow at: https://MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

Ten straight up weeks, then a sharp pullback — and if you're two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week's market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you'll learn:Why a 35-year-old and a 65-year-old should do the opposite thing in a pullbackThe accumulation-to-distribution switch most people don't know existsWhat history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year laterSequence-of-returns risk — why the first five years decide everythingBuilding a 1–3 year retirement runway with ~4% cash and T-billsRebalancing a 60/40 that drifted to 75/25Diversifying away from a top-10 that's now 40% of the S&P (8 of them tech)Buffered ETFs — a 20% buffer with a 12–15% cap, explainedFoundational income, annuities, and the tax-aware withdrawal piece most firms skipPlus Money In The News:Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really isA top JP Morgan strategist's four ways to prep your portfolio for “considerable danger” (David Kelly)Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blogSchedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsultaFull Money On Tap episode library: brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhat is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you're beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.

If you've ever wondered whether life insurance or an annuity is the better tool for generating retirement income, the honest answer is that it depends — and figuring out which variables matter most is the work that gets you to a real answer. Both products belong in the conversation because they share something most other income strategies don't: low volatility. That predictability is what makes them useful as a foundation for retirement income, even when you're managing other assets that might grow faster. The first difference worth understanding is guarantees. Annuities provide contractually guaranteed income that can fail only if the issuing carrier does, which is extraordinarily rare. Life insurance income is stable and predictable when designed properly, but it isn't guaranteed in the same contractual sense — which can actually work in your favor if the policy outperforms expectations. Time horizon shapes the decision more than most people realize. Life insurance generally needs at least 10 years to build cash value that makes it useful as an income tool. Annuities are the opposite — they can provide income immediately or within a few years, making them the right fit when retirement is less than a decade away. Whether the money is qualified or non-qualified often forces the answer. IRA dollars almost always belong in an annuity because funding a life insurance policy with IRA money triggers an immediate tax event that wipes out most of the math. Non-qualified, after-tax savings open the full menu, and the other factors determine the right path. For many pre-retirees, the most useful framing isn't choosing one over the other. An annuity can lock in the income floor for the non-negotiables — housing, food, healthcare — while a life insurance policy handles the flexible, tax-free layer that covers variable spending in retirement. ____________________________________ If you'd like help thinking through which combination fits your situation, send us a message or schedule a call, and we'll walk through it together.

Managing your retirement income doesn't mean you have to go all-in or rip the knob off the faucet on day one. In this episode, Stan the Annuity Man breaks down "keep your powder dry" annuity strategies that let you stay flexible, protect your principal, and decide on lifetime income when it actually makes sense.   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. 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..." —  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!

Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning. (13:00) — A listener asks whether income from selling NSO stock counts as earned income for Social Security, potentially triggering the earnings limit before full retirement age. (21:00) — George asks about using a 1035 exchange to move variable annuities with guaranteed living benefits into a product offering long-term care benefits, and wants help weighing the tradeoffs of this approach. (49:45) — The guys help a listener think through annuity planning to fund future long-term care costs for in-laws, including whether to use one joint annuity or two individual annuities and where to find SPIA quotes. The post Social Security, Annuities for LTC Planning: Q&A #2624 appeared first on The Retirement and IRA Show.

Where Did My Returns Go? The Cost of Mutual Funds and Annuities The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Time Stamps 00:00 Keep Truckin Intro 01:31 Show Opens Fees 03:22 Mutual Fund Basics 05:46 Share Classes Loads 07:14 Portfolio Fee Transparency 10:05 Tax Drag Distributions 14:01 Constraints Versus Drift 16:29 Managed Accounts Example 21:16 Break Segment Promo 22:05 Inflation Market Pinch 26:09 Mutual Fund Fee Reality 26:38 Annuities Insurance Wrapper 27:27 Index Annuity Caps 30:20 Fixed Annuity Tradeoffs 32:27 Immediate Annuity Inflation 37:32 Commissions And Incentives 40:29 Counterparty Risk Warning 44:30 Final Portfolio Checkup Most investors look at their mutual fund statement, see a return number, and assume that’s the whole story. It isn’t. Fees are deducted before that return ever reaches your statement, which means you could be paying anywhere from a fraction of a percent to well over 1.5% a year without it ever showing up as a line item. In this episode, Tom Dupree and Mike Johnson explain exactly how those costs are built into your returns — and why two people holding what looks like the “same” mutual fund can actually be paying very different amounts. The conversation also digs into a real-world example involving a major fund family, where a change to share class minimums forced a wave of investors to realize years of embedded capital gains — and a hefty tax bill — all at once. From there, Tom and Mike shift to annuities, breaking down how index annuities, fixed annuities, and immediate annuities are each priced, where the commissions come from, and why the financial strength of the insurance company behind the contract matters just as much as the product itself. Whether you’re holding mutual funds inside a 401(k), an IRA, or a taxable account — or you’ve been pitched an annuity recently — this episode gives you the questions to ask before you invest another dollar. “If you don’t know what you own in your portfolio — and why — that’s the first thing worth fixing.” Topics Covered How mutual fund fees get absorbed into your net return instead of appearing as a separate line item The difference between A shares, C shares, and institutional share classes — and why the same fund can cost twice as much depending on which one you hold What a 12b-1 fee is and who actually receives it Why actively managed funds tend to carry higher expense ratios than index funds How capital gains distributions can create a tax bill on gains you never benefited from A real example of how a fund family’s share class changes forced unexpected tax consequences on shareholders Portfolio constraints versus portfolio drift, and why both can work against you Index annuities, fixed annuities, and immediate annuities — how each is structured and where the cost is hidden Why surrender charges exist and how they relate to commissions Counterparty risk: why the insurance company’s own investments matter to your guarantee Key Takeaways Your net return already has the fee built in. Mutual fund statements show what’s left after fees are deducted — not a separate fee line — so two investors holding what looks like the same fund can actually be paying very different amounts depending on share class. Share class matters more than most investors realize. One example discussed in the episode showed a global fund charging roughly 0.8% on its A shares versus 1.8% on its C shares — more than double, for the same underlying portfolio. Tax inefficiency can be just as costly as the stated fee. Because mutual funds are pooled investments, other shareholders’ buying and selling can trigger capital gains distributions you owe taxes on — even if you never participated in those gains. A fund’s holdings can drift far from what you originally bought. Without firm constraints, a manager’s strategy can shift significantly over a few years, leaving you holding something very different from what your original research showed. Annuities are mutual funds wrapped inside an insurance contract — and you pay for both layers. Whether it’s an index annuity’s capped participation rate or a variable annuity’s rider fees, the cost is built into the structure even when it isn’t itemized. Surrender charges exist largely to recoup the seller’s commission. Annuity commissions can run as high as 6–8%, and the multi-year surrender schedule helps the insurance company recover that cost if you withdraw early. The insurance company’s financial strength is part of what you’re buying. An annuity’s guarantee is only as good as the company behind it — and recent industry reporting has noted that some insurers are taking on more investment risk, including exposure to private credit, than before the 2008 financial crisis. Transparency is something you’re entitled to ask for. Whether it’s a mutual fund, an annuity, or a managed account, you have the right to know exactly what you own, what it costs, and where your income is coming from. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. Schedule a Complimentary Portfolio Review If you’re not sure whether the funds or annuities in your portfolio are quietly costing you more than you realize, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com Dupree Financial Group is a fee-only, fiduciary, SEC-registered Registered Investment Advisor. The information presented in this podcast is for informational and educational purposes only and should not be considered a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Investing involves risk, including possible loss of principal. Please consult with a qualified professional before making any financial decisions.The post Hidden Fees in Mutual Funds & Annuities | The Tom Dupree Show appeared first on Dupree Financial.

Join Kelley Slaught, owner and CEO of California Wealth Advisors, as she shares insights on retirement income planning, tax strategies, estate planning, and navigating the complexities of retirement finances. Kelley also discusses a proactive approach with inflation during the retirement years. Learn how to avoid common blunders and create a tailored plan for a secure financial future. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Andy and Adam Grossman from Mayport Wealth Management share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:How to analyze an existing annuity and whether to keep it, exchange it to another annuity or surrender it ( 11:44 )The different things to factor in when considering retiring to a different state ( 23:18 )What to do with your investments regarding concerns about the U.S.'s national debt, potential inflation, potential market declines, etc. ( 33:41 )How much to try to optimize moving around cash balances between savings accounts, money market funds, Treasury Bills, CDs, etc. to try to maximize the amount of interest you can get ( 43:44 )Their thoughts on individual bonds vs bond funds, what we use, and why ( 54:27 )How we handle and implement inflation assumptions when doing financial planning with clients ( 1:05:37 )Their thoughts on how Artificial Intelligence may impact financial planning, both as advisors and as consumers ( 1:12:55 )What to make of illustrations for permanent life insurance policies, how reliable those illustrations are, when to consider buying permanent life insurance, when not to buy permanent life insurance, etc. ( 1:19:48 )Links in this episode:Mayport Wealth Management's website - https://www.mayport.com/Adam's recent appearance on Morningstar's The Long View podcast - https://www.morningstar.com/personal-finance/adam-grossman-asset-allocation-is-an-investors-best-defenseTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

A top-producing annuity-focused agent, global annuity trainer, and recognized as one of the most influential voices in the annuity space. He has sold millions in annuities virtually and in person.He continues to test new ideas, develop new tools, and stay on the front lines as a daily producer so the training advisors get is always current, practical, and built from real experience.What Tracy Brings to the Table✦ Actively producing an expert. Not just theory.✦ Creator of AG Simulator and AG Academy✦ Expert contributor to Aspire Mag., U.S. News, Insurance News Net, Forbes, and more✦ Knowledge-Based Sales Practice✦ Virtual and in-person sales experience across all markets✦ Known for an educational, client-first approachGod first.Father of 3 boys.Husband to wife Elizabeth. Been together 13 years.Learn more: http://www.theannuitygiants.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tracy-lownsberry-founder-of-the-annuity-giants

Nearly every major index is at a record high — and everyone's asking the same question: is this the beginning of something great, or the end of something that's gone too far?This week on Money On Tap, Ben Brayshaw and Dan Michelon take that question apart with 75 years of market history, a few statistics that genuinely surprised them, and a clear look at what a record high means for you — whether you're decades from retirement or already drawing income.What you'll learn:The Fidelity data showing investing at an all-time high beats investing on a random dayWhy a record high is usually a signal of a healthy economy, not a topA walk through 1982, 1987, 1995–1999, 2000, 2009, and 2020Why today's AI market looks more like 1995 than the 2000 dot-com bubbleWhy timing the market is a loser's game — and why taking profits isn't fearSequence-of-returns risk — why the first years of retirement decide everythingBuffered ETFs — staying in the market with downside guardrailsAnnuities with lifetime income and long-term-care ridersPlus Money In The News:American financial literacy hits a 10-year low — U.S. adults answered just 47% of the TIAA Institute's 2026 questions correctly (Yahoo Finance, Kerry Hannon)America's data-center build-out falls behind schedule — Google's $80B equity raise and what it signals about AI's real cost (WSJ, Katherine Blunt)Exxon chief warns oil could spike to $160–$170 a barrel as strategic reserves run thin (Fox Business, Robert McGreevy)Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blogSchedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsultaFull Money On Tap episode library: brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhat is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you're beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.

A top-producing annuity-focused agent, global annuity trainer, and recognized as one of the most influential voices in the annuity space. He has sold millions in annuities virtually and in person.He continues to test new ideas, develop new tools, and stay on the front lines as a daily producer so the training advisors get is always current, practical, and built from real experience.What Tracy Brings to the Table✦ Actively producing an expert. Not just theory.✦ Creator of AG Simulator and AG Academy✦ Expert contributor to Aspire Mag., U.S. News, Insurance News Net, Forbes, and more✦ Knowledge-Based Sales Practice✦ Virtual and in-person sales experience across all markets✦ Known for an educational, client-first approachGod first.Father of 3 boys.Husband to wife Elizabeth. Been together 13 years.Learn more: http://www.theannuitygiants.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tracy-lownsberry-founder-of-the-annuity-giants

In this episode, Monika examines two important developments that shaped the economic conversation over the past week: the Reserve Bank of India's decision to keep the repo rate unchanged at 5.25%, and India's strong FY26 GDP growth of 7.7%, with the fourth quarter growing at 7.8%. She explains how the RBI's inflation-targeting framework and relatively low inflation of 3.1% have given policymakers valuable room to maintain rates despite the inflationary pressures created by the West Asia conflict and elevated crude oil prices. Revisiting the basics of the repo rate and its role in controlling inflation and credit costs, she argues that prudence always appears boring during good times but proves invaluable when crises emerge. The lesson, she says, applies equally to nations and to individuals managing their own money.She then turns to the growth story and why India's economic momentum remains intact despite rising global uncertainties. Looking at broad-based indicators including agriculture, steel, cement and commercial vehicle demand, Monika highlights that FY26 was a remarkably strong year and that India entered the current period of geopolitical turmoil from a position of strength. While the RBI's projection of 6.6% growth for FY27 reflects caution amid higher oil prices and global fragility, she argues that India's growth has merely been “shaved, not sunk.” Had the current conflict not erupted, the country was positioned to exceed 8% growth. She reminds listeners that the government and the RBI still possess several policy tools to support the economy, from attracting foreign capital to deploying monetary and fiscal measures. Her message remains consistent with previous episodes: prepare for a slowdown, but reject the merchants of doom. India may face turbulence, but it is far from crisis.In listener questions, Srinivas asks whether LIC annuity products deserve a place in retirement planning, prompting Monika to examine the broader case for and against annuities, discussing guaranteed lifelong income, simplicity and protection from market volatility, while also highlighting their low returns, inflation risk and tax disadvantages compared with alternatives like debt funds and systematic withdrawals; Bhavesh, an NRI with a carefully constructed 50:50 portfolio, seeks guidance on how to rebalance during market corrections and transition debt allocations as retirement approaches, leading to a detailed discussion on the hierarchy of redeeming maturing fixed deposits, arbitrage funds and debt funds while preserving long-duration gilt investments; and Rachana from Coorg shares her concerns about retiring early with a ₹1.25 crore corpus and no pension, opening up a conversation about longevity risk, healthcare costs, protecting capital, and the importance of continuing to earn for as long as possible in order to strengthen financial independence in later life.Chapters:(00:00 – 00:00) Why India's Growth Story Is Shaved but Not Sunk(00:00 – 00:00) RBI Holds Rates Steady as Inflation Stays Under Control(00:00 – 00:00) The Pros and Cons of Annuities for Retirement Income(00:00 – 00:00) Rebalancing a Portfolio: Which Debt Investments Should Go First?(00:00 – 00:00) Is ₹1.25 Crore Enough to Retire at 45 Without a Pension?https://www.pib.gov.in/PressReleasePage.aspx?PRID=2269286®=48&lang=2https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR3855508EB4A59FF46F9B57BBA200AA250B8.PDFIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠

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, … 06/13/26 – HERO’S Talk Radio Read More » The post 06/13/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Variable annuities are often promoted as a secure way to generate guaranteed income during retirement, drawing the attention of retirees seeking stability for their nest eggs. But beneath the surface, these products frequently come with complications and costs that can erode your savings and limit your financial flexibility. In this episode, I share the details of the often-overlooked downsides of variable annuities and give you some important insights every investor should consider.   You will want to hear this episode if you are interested in... [03:14] What is a Variable Annuity? [04:27] Understanding Annuity Benefits and Growth [08:41] Lack of fee transparency in annuities [09:45] Variable annuity investment drawbacks [14:59] Avoiding variable annuity pitfalls   What Is a Variable Annuity? A variable annuity is an investment product sold by insurance companies, offering a selection of investment accounts, referred to as sub-accounts, designed to mimic mutual fund performance. The tax-deferred growth inside the annuity is often touted as a major benefit. This tax deferral is redundant for retirement investors who already enjoy similar benefits in IRAs or 401(k)s. Many variable annuities advertise living benefits, such as guaranteed lifetime withdrawals. For instance, a $100,000 investment could guarantee $5,000 per year for life, regardless of the contract's cash value. Some contracts offer guaranteed "growth" of your future income base, but crucially, this is not money you can cash out: it simply determines your withdrawal amount, not your walk-away value. The catch is that these appealing features come at a steep price.   Fee Structures are the Hidden Drain on Returns One of the most significant drawbacks of variable annuities is their high-cost structure. These costs can be organized into three main categories:   Mortality and Expense (M&E) Charges: Annual administrative fees imposed by the insurance company, typically ranging from 1% to 2% per year. Sub-Account Fees: Investment management fees that vary depending on your chosen investments. While some options are slightly less expensive, others can reach up to 2% annually. Rider Fees: If your contract includes a guaranteed income benefit, expect an additional 1%-2% per year for this privilege. Combined, these expenses can easily total 3% to 4% annually, making variable annuities arguably the most expensive retirement investment around.   What You Don't See CAN Hurt You Transparency is another major shortfall in the world of variable annuities. Many investors are not fully aware of the high fees they're paying. While the fees are listed in the prospectus, many advisors fail to highlight them, and statements often obscure these charges. Understanding true costs requires diligent reading of the fine print, and even then, variations in sub-account performance can lead to unexpected results. You may believe you're mirroring mutual fund returns, but annuity sub-accounts are not identical and can significantly underperform. The promise of guaranteed income comes at a heavy cost. For the insurance company's guarantee to pay off, you'd generally need to either live well beyond average life expectancy or experience long-term poor market performance. Since withdrawal rates are limited and fees are high, over the long run, variable annuities may yield less retirement income or reduce the amount left to your heirs.   Look Beyond the Sales Pitch Variable annuities can be marketed to highlight only the positives, but it's important to consider the high fees, lack of transparency, poor risk-return tradeoff, inflexibility, and opportunity costs involved. Before committing your retirement savings, do your homework—or consult a truly fiduciary advisor—and make sure variable annuities are the best fit for your long-term goals.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Summary This is part 3 of our series. What if your quarterly tax bill could become a retirement engine? In this episode, Wade sits down with Rohit Punyani, founder of The Owner's Asset, to unpack the pension strategy most business owners and their advisors overlook. The conversation covers the sequence of financial planning, the psychology of guaranteed income, and how to combine IBC with a defined benefit pension to fund whole life insurance and annuities at wholesale pricing through tax deductions. Ro and Wade also break down who qualifies, what the first conversation looks like, and how a $1.8 million deduction can create an $11 million estate planning shield. The message is clear: structure your capital in the right order, and the numbers take care of themselves. In our previous episodes, we dive in into lots of other topics: In part 1 Wade Borth and Rohit Punyani explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Check part 2 of this conversation in here Key Takeaways Sequence matters more than the total amount of capital. IBC is the foundation, a pension adds whole life and annuities with pre-tax dollars, and markets or real estate come after. Guaranteed income removes the scarcity mindset in retirement. People with income live abundantly; people drawing down assets tend to pull back every time the market dips. If your liquidity does not scale with your wealth and income, your financial plan is fragile. Business owners paying $20,000 to $30,000 or more in quarterly estimated taxes may qualify for a defined benefit pension that turns a tax liability into a retirement asset. Life insurance and estate planning can be layered inside a pension structure, allowing business owners to manufacture significant liquidity at a fraction of the out-of-pocket cost. Links and Resources sagewealthstrategy.com Part 1: Six Figures Off, Seven Figures Built Part 2: Your Business Owes You a Pension  Keywords pension strategy for business owners, defined benefit pension, tax arbitrage, infinite banking concept, IBC, whole life insurance, annuities, guaranteed income retirement, cash value life insurance, Wade Borth, Rohit Punyani, The Owner's Asset, business owner retirement planning, 1099 retirement strategy, self-employed pension, estate planning life insurance, family banking, financial liquidity, cash flow retirement, scarcity mindset retirement Episode Highlights [00:01:45 - 00:02:25] Ro explains why capital structure matters as much as total capital, and how starting a $40,000 annual policy in your forties generates six-figure cash flow by your seventies. [00:03:05 - 00:04:06] Wade and Ro align on the need for a process that wins every time, and Wade introduces the sequence framework: how you pack your bags going up the hill determines how you come back down. [00:05:27 - 00:06:24] The 2016 LIMRA annual report and the 2005 Wall Street Journal article 'Friends, Neighbors, and Annuities' show that people with annuities live longer and carry less financial stress. [00:06:25 - 00:07:10] Wade references Tom Hegna's principle: people with income are happy, people with assets are miserable. A real client story about a market dip derailing a boat purchase brings it to life. [00:10:25 - 00:11:25] Ro shares his epiphany as a former chief investment officer and credits Wade with the principle: if your liquidity does not scale with your wealth, your plan is fragile. [00:13:26 - 00:15:02] Ro walks through who qualifies for a pension, what the first conversation looks like, and why roughly 30 percent of inquiries are not yet in the model's sweet spot. [00:17:28 - 00:18:15] Ro describes how a pension structure enabled estate planning for a 70 and 68-year-old couple: $1.8 million in deductions created an $11 million estate planning shield. [00:18:34 - 00:19:23] Wade and Ro clarify who should reach out: self-employed individuals on 1099, K-1, or W-2 from their own S corp, making quarterly estimated tax payments of $20,000 or more.  

What if your retirement plan isn’t built to replace your paycheck? This episode breaks down why 401(k)s alone may fall short and how retirement really comes down to creating reliable income. Steve Anzuoni explains the gap between expectations and reality, the risks of relying on hypothetical projections, and why income planning—not just saving—is critical. From Social Security timing to building a personal “pension,” the conversation highlights how to approach retirement with clearer expectations and a focus on sustainable monthly cash flow. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

What if the biggest retirement risk isn’t running out of money—but running out of income? Steve Hoyl breaks down why Social Security was never meant to stand alone and how today’s shift from pensions to 401(k)s has changed the retirement landscape. They explore building a written income plan, managing taxes, and creating predictable monthly income while addressing inflation, healthcare costs, and emergency reserves. The conversation highlights why focusing on income—not just growth—can reshape how you approach retirement planning. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

What if retirement isn’t about hitting a magic number, but making your income outlast the unknown? This episode explores why focusing only on savings can miss the bigger picture. Granger Hughes breaks down the real drivers of a retirement plan, what’s coming in, what’s going out, and how income gets created. They discuss Social Security timing, the role of steady income sources, and how different tools may fit different situations. The conversation also looks at market uncertainty, emotional decision-making, and the shift from growing wealth to relying on it. It’s a practical look at building a strategy designed to handle both calm and unpredictable financial seasons. 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.

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureAssessmentFree Financial Resources in This Episode: https://bit.ly/ymyw-585 (full show notes & episode transcript)Today on Your Money, Your Wealth® podcast number 585, Joe and Big Al spitball for folks who are already winning and thinking about getting fancy with it. Reno in Oregon is 50, and his pension is so big he's not sure how to invest or why he would need to convert to Roth. Michael is considering taking out a half-million-dollar margin loan to juice investment returns. What do the fellas think? Tune in for the surprising debate. Husker Fans just pocketed two million from selling their business here come the product pitches: should they buy annuities, set up a charitable trust, or just swallow the tax? What do the fellas think of whole life insurance? And finally, John and Lib on Waltons Mountain - or rather, the Catskills - aren't sure if they've saved too little or too much. Can they bridge the gap until their pension?Emotionless Investing Guide - free download:https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-emotionless-investing-guide&utm_content=ymyw-pod-ep585-description-whitepaperFinancial Blueprint - free, self-guided:https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep585-description-blueprintRetirement Rebound: 5 Plays to Help You Score a Comeback - YMYW TV:https://purefinancial.com/ymyw/episodes/retirement-rebound-5-plays-help-score-comeback/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep585-description-tv-s10e11REQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - How Should a Pension-Rich 50-Year-Old Invest? Should They Even Bother with Roth Conversions? (Reno, OR)10:30 - Should I Borrow $500K in a Margin Loan to Invest? (Michael, VA)23:01 - We're Getting $2M From Selling the Business. Annuity, Charitable Trust, or Bite the Tax? What About Whole Life Insurance? (Husker Fans, Nebraska)34:14 - Can a Frugal Mountain Couple Bridge the Gap to a $60K Pension? (John & Lib, NY Catskills)41:13 - Outro: Next Week on the YMYW Podcast

Don and Tom question whether the investment industry—and increasingly Vanguard—keeps creating new products simply to stay relevant rather than solve real investor problems. They critique Vanguard's new Target Retirement Lifetime Income Fund, which combines a target-date fund with an annuity, arguing that it sacrifices liquidity, introduces inflation risk, and obscures costs. They also take aim at Vanguard's new Active/Passive Model Portfolio Series, suggesting it adds unnecessary complexity and market-timing assumptions to what should be a straightforward indexing approach. Listener questions cover the risks of holding 72% of retirement assets in an ESOP and whether a military family should replace a simple Schwab index-fund portfolio for their two-year-old daughter with AVGE. The episode closes with a plug for The Line Uncrossed and a discussion of the real-life Civil War experiences that inspired the novel.0:12 Do investors really need new products and new ideas?2:11 Vanguard's Target Retirement Lifetime Income Fund and annuities in target-date funds4:29 Liquidity, inflation risk, and the tradeoffs of guaranteed retirement income7:44 Why immediate annuities often take years just to return your own principal9:16 Morningstar's skepticism of guaranteed-income retirement products10:46 Vanguard's new Dynamic Active Passive Model Portfolio Series12:42 Are active/passive hybrid portfolios solving a real problem?13:38 Has Vanguard lost its indexing compass?15:30 New Talking Real Money website features and submitting listener questions16:12 ESOP question: 72% of retirement assets tied to employer stock17:59 The dangers of concentrated company-stock positions21:29 Understanding ESOP returns versus traditional investments24:09 Why diversification matters more than past ESOP performance26:49 Using GI Bill benefits, a 529 plan, and a UTMA to fund a child's future28:27 AVGE versus a simple total-market index portfolio for a young child29:42 Why simplicity may be good enough for long-term investing success30:35 Discussion of The Line Uncrossed and its Civil War inspiration31:41 John B. Anderson, Andersonville Prison, and the history behind the bookQuestions? Comments? Click!

If you're in your 80s or 90s or caring for someone who is, this episode breaks down no-BS annuity strategies that actually make sense. Discover how to protect principal, strip out excessive fees, and set up simple, contractual income or legacy plans without getting sold a "whiz-bang" product.    In this episode, The Annuity Man discussed:  Annuity suitability for people in their 80s and 90s Why complex annuities (indexed, variable, RILAs) are often inappropriate Using 1035 transfers to move into MIGAs Designing legacy and income strategies with period-certain annuities Evaluating existing riders and avoiding bad sales practices   Key Takeaways:  At advanced ages, annuity planning should focus on principal protection and/or guaranteed income, not chasing hypothetical market upside. Variable and indexed annuities with high annual fees often need to be reevaluated and potentially moved into simpler, no-fee structures. A non-taxable 1035 transfer can reposition existing annuities into multi-year guaranteed annuities to lock in gains and eliminate market risk. Period-certain immediate annuities can extend income and spread out tax liability, even if the owner doesn't live through the full payment term. Before moving any contract, it's critical to analyze existing income and death-benefit riders to ensure valuable guarantees aren't left on the table.   "You've already won the game. Don't play anymore." —  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!

Another example of the problems with Annuities.Is it OK to pay higher fund expense ratios for higher returnsLaura Pausini concert in OrlandIoniq 9 and some EV newsStill time to go to CSI Con in New York

If you've been listening to the podcast lately, you know we've been talking a lot about client experience, onboarding, and the first 100 days. And this week, I'm coming to you from the Ritz-Carlton in Chicago, where I'm speaking at a conference and taking notes on one of the most recognized customer experience brands in the world. As I've watched the little details and thoughtful touches that make the Ritz-Carlton experience so memorable, I couldn't help but think about how easily many of those same principles can be applied inside an advisory firm. In this episode, I'm breaking down three specific Ritz-Carlton practices that advisors can use to create more memorable, consistent, and remarkable client experiences.In this episode, you'll learn:How the Ritz-Carlton's famous $2,000 Rule empowers employees to solve problems, create memorable moments, and deliver exceptional service without waiting for management approvalWhy capturing client preferences and personal details is only half the battle—and how to actually use that information to strengthen relationships and deepen client loyaltyHow daily service meetings at the Ritz create consistency across the organization and how advisors can incorporate client experience discussions into their own team meetingsThe three foundational pillars of a remarkable client experience: empowering your team, collecting meaningful client intelligence, and creating processes that ensure consistence.The best client experiences don't happen by accident. The Ritz-Carlton has built a reputation for excellence by intentionally empowering employees, documenting client preferences, and creating systems that reinforce exceptional service every day. The good news is that you don't need a luxury hotel budget to apply these principles. Small, thoughtful actions backed by strong processes can help your clients feel seen, known, and valued—and that's what creates loyalty, referrals, and lasting relationships.Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks 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.

Allan Kazakh runs an agency specialises in generating exclusive, high-intent leads for annuity products. It is called Vroom Media Group. Annuity leads are a type of financial product that provides a guaranteed stream of income in retirement. Summary of PodcastAllan's marketing agency and annuity leadsAllan runs a marketing agency that helps life insurance agents and financial advisors get more customers online. His agency specializes in generating exclusive, high-intent leads for annuity products, which are a type of financial product that provides a guaranteed stream of income in retirement. Allan explained how his team crafts targeted ads based on the specific pain points and needs of different customer profiles, such as affluent clients concerned about taxes versus average consumers looking for income stability.Annuity products and the US marketAllan provided an overview of annuity products in the US market, explaining how they differ from traditional investments and serve as a "safety vehicle" for retirees looking to preserve their capital. He discussed how annuities have become more popular during economic downturns when the stock market is volatile, as they offer a guaranteed return. Allan also highlighted the importance of understanding the macroeconomic climate and how it impacts consumer sentiment when developing marketing strategies.Allan's ad strategy and targetingAllan detailed his agency's approach to advertising, which primarily utilizes Meta (Facebook and Instagram) ads. He explained how they target specific customer profiles and tailor the ad creative and messaging to resonate with each group's unique pain points and needs. This includes using podcast-style ads, video ads, and other formats to grab attention. Allan also discussed the importance of testing multiple creatives to find what works best.Scaling the business with AIAllan discussed how his agency has leveraged AI to improve productivity and scale the business. By automating certain tasks like video creation, his team can produce more content and test more ad variations. Allan believes AI will continue to change the nature of work, but sees it as a tool to empower his team rather than replace jobs.Recap and closing thoughtsIn the closing segment, Graham and Kevin reflected on the key insights from the discussion, including Allan's ability to identify and target specific customer pain points, his data-driven approach to advertising, and his use of AI to drive efficiency. They noted Allan's expertise in a niche market and his success in outperforming competitors through his marketing strategies.The Next 100 Days Podcast Co-HostsGraham ArrowsmithGraham founded Finely Fettled in 2014 to provide data from The UK High Net Worth Database to marketers targeting affluent and high-net-worth customers. He's the founder of MicroYES, a Partner for MeclabsAI, creating lead generation AI Agents & Workflows and introducing the MeclabsAI Platform. Graham also provides an Answer Engine Optimisation solution to get your website in shape to be found by LLMs.Kevin ApplebyKevin specialises in finance transformation and implementing business change. He's the COO of GrowCFO, which provides both community and CPD-accredited training designed to grow the next generation of finance leaders. You can find Kevin on LinkedIn and at kevinappleby.com

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, … 06/06/26 Read More » The post 06/06/26 appeared first on HERO'S Strategies, Inc..

Chris’s Summary Jim and I tackle annuity basics to start off another National Annuity Awareness Month. We cover what annuities are as insurance contracts, the four parties to a contract, the accumulation and distribution phases, and the key differences among the major annuity types. We also touch on tax deferral rules, LIFO treatment, and the historical and industry context behind why annuities remain so widely misunderstood. Jim’s “Pithy” Summary  Chris and I use National Annuity Awareness Month to get back to annuity basics. I have a book in my office, Lee Welling Squier's Old Age Dependency in the United States, written in 1912, before Social Security existed, that begins by asking why people don't use annuities to help provide against want in old age. That question stuck with me because I was taught early in this industry that annuities were horrible, while pensions were wonderful. But, if a pension was one leg of the old three-legged stool, and the 401(k) helped pull that leg out, then maybe we ought to at least understand the product that can mimic some of that pension-like income for retirees who need it. Not love it. Not hate it. Just understand it. So, we start with the basics: what you are buying, who is making the promise, who controls the contract, whose life the payment is based on, how the accumulation phase works, and when/if the thing you own turns into a stream of income all matter. The word “annuity” covers a lot of very different vehicles. Some are plain and straightforward. Some are complex, with riders, caps, participation rates, and spreads. Some may be useful in the right circumstances. Others may be costly, confusing, or misapplied. And if you do not understand which type of annuity you are looking at, it is easy to use the wrong one in the wrong place. The post Annuity Basics: EDU #2622 appeared first on The Retirement and IRA Show.

This week, Angela discusses the significant impact of inflation on retirement planning. The conversation emphasizes the importance of proactive financial planning to ensure individuals can not only retire but also remain retired successfully despite rising costs. Key Takeaways

Why haven't annuities collapsed even when a carrier fails? In this episode, you'll learn how the "golden goose of annuity confidence" is protected behind the scenes—by state guarantee funds, big carriers, and a quiet "annuity mafia" that refuses to let the system break.   In this episode, The Annuity Man discusses:  State guarantee funds vs. FDIC The "golden goose of annuity confidence" Role of big carriers and the "annuity mafia" Demographic tidal wave of retiring boomers Private credit exposure and carrier selection strategy   Key Takeaways:  State guarantee funds exist as a backstop for fixed annuities, but wise carrier selection and strong financials matter more than simply staying under coverage limits. The true protection behind annuities is an industry-level commitment to maintain public confidence, with large carriers stepping in so weaker players don't poison the entire market. Annuities are fundamentally about transferring risk and contractually solving for principal protection, lifetime income, legacy, and long-term care. With tens of thousands of Americans turning 65 every day, demand for contractual guarantees is set to surge, especially when markets eventually experience a serious downturn. Despite concerns about private credit and complex balance sheets, disciplined advisors who focus on carrier quality and contractual guarantees can still confidently recommend annuities that back up their promises.   "We only look at the contractual guarantees of the policy." —  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!

Could your retirement last 40 years—and is your income ready for it? Kevin Madden breaks down the reality of longer lifespans and why consistent cash flow matters more than ever. From guaranteed income options and Social Security timing to the impact of inflation, taxes, and market changes, this episode explores how retirees can structure income to keep pace with an evolving financial landscape. Plus, insights on “spring cleaning” your portfolio, avoiding redundancy, and making smarter decisions with old 401(k)s and investment accounts. 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.

Think retirement is still years away? That mindset could quietly shape the decisions you’re making today. In this episode, Frankie Guida discusses how delaying planning can create challenges as retirement approaches. The conversation highlights the importance of starting early, evaluating investment options, and adjusting strategies over time. Using real-life scenarios, he explores how portfolio structure, tax considerations, and risk management may influence retirement outcomes. It’s a look at how preparation—and timing—can impact the transition from working years into retirement. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Could your retirement plan be quietly costing you more than you realize? Steve Anzuoni breaks down the surprising pros and cons of moving retirement funds, including proposed changes to Roth IRA rules and what they could mean for your control and taxes. He highlights the hidden impact of fees, the importance of tax planning over guesswork, and why relying on workplace-only advice can lead to costly mistakes. Real-world examples show how small decisions can significantly affect long-term outcomes, emphasizing the value of education and informed strategies when approaching retirement. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

If you have questions or would like to discuss your unique financial situation, schedule your no-obligation, 15 minute consultation with Gregory Ricks Total Wealth TODAY:  https://gregoryricks.com/schedule-a-v...Don't live near or office or just have a busy schedule? Virtual consultations now available:https://gregoryricks.com/virtual-cons...Subscribe to our YouTube Channel:  / @gregoryrickstotalwealth  Find us on Facebook:Gregory Ricks Total Wealth   

In this episode, Stan "The Annuity Man" delivers a blunt, edutaining wake-up call about the realities of aging, why retirement is really "chapter two," and how to use annuities and intentional spending so you don't die with a pile of unspent money and a lifetime of regrets.    In this episode, The Annuity Man discussed:  Contractual drool cups and annuity diapers as a reality check Three phases of retirement: go-go, slow go, no go Core functions and questions behind annuity planning Learning to spend, enjoy life, and give money while alive Lifestyle, legacy, and peace-of-mind planning in chapter two   Key Takeaways:  Retirement should be viewed as "chapter two," a pivot away from accumulation and toward actually enjoying the life you've worked for. If you live long enough, you'll likely reach a "no-go" phase, so the goal is to make the most of your go-go and slow-go years instead of hoarding money you'll never spend. Annuities exist to solve specific contractual needs: principal protection, lifetime income, legacy, and long-term care.  Many people must actively retrain themselves to spend, travel, and enjoy life, especially if they grew up poor or hyper-focused on saving and tax avoidance. Gifting money and supporting family or causes while you're still alive can create more impact and joy than waiting to pass it on after you're gone.   "If you have never learned how to spend, teach yourself how to spend." —  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!

Jim and Chris discuss listener emails on Social Security survivor and ex-spouse benefits, using annuity income to satisfy RMDs, and annuity laddering strategies for both SPIAs and DIAs and MYGAs. (6:30) George writes in about a cousin who turns 62 in November 2026 and whose ex-spouse recently passed away — he wants to know what survivor and ex-spouse Social Security claiming options may be available. (19:45) A listener asks whether annuity income payments from a qualified annuity can be used to satisfy the RMD requirement on a separate IRA, potentially eliminating the need to take distributions from the IRA altogether. 43:15) The guys hear from a long-term buy-and-hold investor at the start of his transition from accumulation to decumulation who is drawn to the idea of purchasing SPIAs or DIAs in multiple chunks rather than a single lump sum and is curious about tradeoffs as well as how to apply a dollar-cost averaging mindset to annuity income. (1:01:00) Jim and Chris take a question from a listener about 2.5 years from retirement who is considering laddering MYGAs through his 401(k) and wants to know whether the yield advantage of A-rated carriers is worth the added risk compared to sticking with A+ or higher, and whether CD laddering might be a simpler alternative. The post Social Security, Annuity RMDs, Annuity Laddering: Q&A #2622 appeared first on The Retirement and IRA Show.

 Michael has been in the financial and insurance business for over 20 years. He works with clients in the areas of Tax-Free Wealth Creation, retirement planning, lifetime income solution, legacy planning and business and Estate Planning. He is an advocate for the safety and protection of his client's hard-earned retirement money.Michael is committed to delivering outstanding professional service to his clients and acting with honesty and integrity. He takes great pride in building long-term relationships with his clients to achieve their financial goals during working years and during enjoyment years.Michael's mission is to help clients avoid losing money in the market, and instead build wealth safely, securely, and most importantly, provide lifetime income streams that will be there throughout your enjoyment years and then finally transitioning assets onto next generations more tax efficiently and possibly Tax-Free.Michael is a former educator, so naturally, his approach in working with clients is through guidance and education. He enjoys spending time with family, traveling, hiking, biking, and reading.Learn more: https://safemoney123.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-michael-clanin-certified-financial-fiduciary-with-safe-money-solutions-discussing-guaranteed-income-annuity-strategies

Michael has been in the financial and insurance business for over 20 years. He works with clients in the areas of Tax-Free Wealth Creation, retirement planning, lifetime income solution, legacy planning and business and Estate Planning. He is an advocate for the safety and protection of his client's hard-earned retirement money.Michael is committed to delivering outstanding professional service to his clients and acting with honesty and integrity. He takes great pride in building long-term relationships with his clients to achieve their financial goals during working years and during enjoyment years.Michael's mission is to help clients avoid losing money in the market, and instead build wealth safely, securely, and most importantly, provide lifetime income streams that will be there throughout your enjoyment years and then finally transitioning assets onto next generations more tax efficiently and possibly Tax-Free.Michael is a former educator, so naturally, his approach in working with clients is through guidance and education. He enjoys spending time with family, traveling, hiking, biking, and reading.Learn more: https://safemoney123.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-michael-clanin-certified-financial-fiduciary-with-safe-money-solutions-discussing-guaranteed-income-annuity-strategies

Episode  ·  May 30, 2026 What to Do When You Inherit Money: The Rules, the Risks, and the Right Moves The Tom Dupree Show|Dupree Financial Group|dupreefinancial.com|859-233-0400 Episode Description Inheriting money should feel like good news — and it often is. But the moments surrounding an inheritance are rarely straightforward. There’s grief. There’s urgency. There’s a sudden responsibility for assets you didn’t plan for, invested in ways not designed for your situation. In this episode, Tom Dupree and Lead Advisor Mike Johnson walk through what actually happens when wealth transfers from one generation to the next — and what to do about it. The conversation covers the full spectrum of inherited assets: taxable investment accounts with stepped-up cost basis, life insurance proceeds, annuities with embedded tax liabilities, and the increasingly complicated world of inherited IRAs. Tom and Mike explain how the SECURE Act of 2019 effectively ended the stretch IRA, what the 10-year rule now requires of most non-spouse beneficiaries, and why failing to plan around required annual distributions can trigger a decade of preventable tax consequences. The episode also covers practical strategies for current asset owners — how to use appreciated stock gifts to rebalance efficiently, when to let a legacy holding ride to pass a stepped-up basis to heirs, and why having all parties (investment advisor, CPA, and attorney) on the same page before a transfer happens makes everything smoother. Knowing what you own and why you own it isn’t just good advice for volatile markets — it’s the foundation of a plan your heirs can actually build on. Topics Covered The gray wave: why trillions in wealth are changing hands over the next 15 years The 90-day rule: why pausing before making any major financial move protects you Stepped-up cost basis on inherited taxable accounts — how it works and why it matters Tax treatment differences between inherited IRAs, annuities, and life insurance proceeds The SECURE Act’s 10-year rule for inherited IRAs and required annual distributions Exceptions to the 10-year rule: spouses, minor children, disabled beneficiaries, and siblings within 10 years Using inherited IRA withdrawals to fund Roth conversions on your own accounts Gifting appreciated stock to charity as a tax-efficient rebalancing strategy Why beneficiary designations and estate coordination require regular review How Dupree Financial Group coordinates with CPAs and attorneys to quarterback inheritance planning Key Takeaways Pause before you act. An inheritance often arrives during an emotionally charged time. Waiting 90 days before making any major gifting, investment, or debt payoff decisions keeps emotion out of choices with long-term consequences. Not all inherited assets are taxed the same. Taxable investment accounts typically receive a stepped-up cost basis — wiping out embedded capital gains for the beneficiary. Life insurance proceeds are generally income-tax-free. Annuities and inherited IRAs carry ordinary income tax obligations. Knowing the vehicle determines the strategy. The stretch IRA is gone. The SECURE Act of 2019 eliminated the ability for most non-spouse beneficiaries to stretch inherited IRA distributions over their lifetime. A 10-year withdrawal window now applies, with required annual distributions each year — not just a lump sum in year ten. A withdrawal plan for an inherited IRA is not optional. The IRS requires distributions each year over the 10-year period. Without a coordinated strategy, beneficiaries can face unexpected income spikes, higher tax brackets, and lost reinvestment opportunities. Gifting appreciated stock beats gifting cash. If you plan to give to charity anyway, donating appreciated shares instead of writing a check eliminates the capital gain for you, produces no tax consequence for the charity, and frees up cash to repurchase the same investment at a higher cost basis. Beneficiary designations are the most overlooked planning tool. Outdated or missing designations create probate complications and can override your wishes entirely. Regular reviews — coordinated across investment accounts, retirement plans, and insurance — are essential. Coordination between advisors prevents costly mistakes. Inheritance planning sits at the intersection of investments, taxes, and legal structure. Having your financial advisor, CPA, and attorney aligned — not working in silos — is the difference between a smooth transition and a decade of cleanup. The income approach applies to inherited assets, too. Inherited portfolios that aren’t generating income need to be repositioned around your actual retirement cash flow needs. A growth-oriented portfolio you’ve inherited wasn’t built for your life — it needs to be evaluated in the context of your plan. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is set up to generate income — whether you’ve recently inherited assets or simply want to know what you own and why you own it — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call:859-233-0400|Visit:dupreefinancial.com The post What to Do When You Inherit Money: The Rules, the Risks, and the Right Moves appeared first on Dupree Financial.

A misconception about the RIA model is that certain investment solutions such as variable annuities and alternatives (alts), are unavailable for client use.That is incorrect.Regarding variable annuities, you can generally continue using new products going forward while also accommodating your existing legacy positions.It's a matter of understanding how the options work, the logistics involved, and which solution providers to use.In this episode (#149) of the Transition To RIA question & answer series, I explain how you can use variable annuities in the RIA model.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/can-i-use-variable-annuities-in-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Chris’s Summary Jim and I discuss income annuities in retirement as a lead-in to National Annuity Awareness Month, using a Fidelity Viewpoints article to frame the discussion. We walk through the article's points on essential expenses, paycheck-like income, and management simplicity later in retirement. We also distinguish traditional income annuities from more complex annuity products and address liquidity, inflation protection, insurance company risk, and death-benefit trade-offs. Jim’s “Pithy” Summary Chris and I use a Fidelity Viewpoints article on income annuities in retirement to get an early start on National Annuity Awareness Month. The article points out that an income annuity may help when Social Security and pensions do not fully cover essential expenses, may provide some peace of mind around income that lasts for life, and may make retirement easier to manage later on. Those are not new ideas around here! Those essential expenses the article discusses is what we refer to as the Minimum Dignity Floor: food, utilities, transportation, housing, and healthcare. If Social Security and pensions do not fully cover those expenses, a simple income annuity may be worth understanding because if the basics are projected to outlast the income already in place, the question deserves more than a knee-jerk yes or no. We also spend time on what happens when the paycheck stops. People can have plenty of money and still miss the safety of income showing up on schedule. That is where the bottomless cup of coffee idea comes back in, and why spending during the Go-Go years can feel different when the basics are covered. Chris also gets into the simplicity point: aging, confidence, fraud risk, and why the older you, or a surviving spouse, may not want every decision tied to a portfolio. We also get into the article's trade-offs, including loss of liquidity, lack of inflation protection, insurance company credit risk, and what happens if someone dies earlier than expected. Show Notes: Fidelity Article – “How to feel financially secure in retirement” The post Income Annuities in Retirement: EDU #2621 appeared first on The Retirement and IRA Show.

I sit down with Retirement expert and legend Tom Hegna to discuss the growing support for annuities, particularly the major asset management firm, BlackRock, who used to be critical of annuities and is now buying them in mass and promoting them.Watch the Interview on Youtube for Visuals - https://youtu.be/8mVpfq9MSukWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser 01:30 - BlackRock Supporting Annuities 03:11 - Psychology of Spending in Retirement 05:59 - The "Mini Miracle" of Annuities 08:27 - Addressing Common Misconceptions and Critics 09:37 - Integrating Life Insurance and Annuities 11:31 - Clarity Call for Entrepreneurs 12:20 - Health and Longevity Benefits 17:02 - Cautions and Risks in the Industry 21:01 - Legacy Planning and Kids 25:31 - State Guarantee Funds and Diversification 31:40 - Exposing "Fake Fiduciaries" 34:14 - Final Thoughts and ResourcesDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

What happens to your retirement plan when life doesn’t go as expected? Donald Trump Jr has some retirement advice for you and Kevin Madden breaks down why having a true retirement plan—not just a “pile of money”—matters more than ever. From navigating unexpected life events to creating reliable income streams, they explore how planning for longevity, market shifts, and personal decisions can shape your financial future. The conversation also covers annuities, guaranteed income, and common mistakes retirees make when rushing decisions or failing to revisit their plan over time. 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.

This week's show covers asset allocation during inflationary periods, an annuity primer, simplicity vs. complexity, low-volatility investing, and more!

Retirement fear isn’t about numbers—it’s about not knowing where your paycheck comes from. This episode with Damon Roberts & Matt Deaton breaks down why running out of money still tops the worry list and how income strategies beyond the 401(k) can reshape confidence. From pensions disappearing to creating personal income streams, the conversation centers on turning savings into stability. Plus, insights for small business owners on tax efficiency and long-term planning. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Looking for a way to protect your principal, skip the fees, and simply live off the interest? In this episode, Stan breaks down "peel and play" annuities and shows how multi-year guarantee annuities (MIGAs) offer simple, contractual returns without the complexity or risk of market-based products.    In this episode, The Annuity Man discussed:  Peel and play annuities concept and misconceptions How multi-year guarantee annuities (MIGAs) work Tax deferral advantages vs. CDs Building and managing a MIGA ladder strategy MIGAs for risk management and legacy planning   Key Takeaways:  Not all annuities are designed for lifetime income; some are built specifically for principal protection and simple interest withdrawal. Multi-year guarantee annuities function similarly to CDs but are issued by life insurance companies and offer guaranteed, contractual yields. Using MIGAs in non-qualified accounts allows interest to grow tax deferred and be rolled from contract to contract, effectively pushing the tax bill into the future. A laddered MIGA strategy can provide steady, predictable interest while keeping the original principal intact and available for future decisions. When the goal is "don't lose money" and "keep it simple," guaranteed products like MIGAs may be more aligned than complex, hypothetical, or bonus-driven indexed annuities.   "Warren Buffett had two rules. Rule number one: never lose money. Rule number two, never forget rule number one, he would love peel and play annuities." —  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! 

Meet the man who pioneered one of the biggest developments in the retirement planning industry. Curtis Cloke, a financial professional of 30 years and the man who's credited with pioneering the Deferred Income Annuity, or DIA as it's called. In this interview, Curtis shares the story of how he developed the game changing retirement tool and gives an example of the "Buy Income, Chase Alpha" strategy which allowed him to generate $82,000 a year of Guaranteed Income, and invest more aggressively with the remaining savings he has, instead of tying it up in the market.Watch the Interview on Youtube for Visuals - https://youtu.be/ISuazQCD1bQBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitConnect with Curtis Cloke: Website - https://curtiscloke.com/Software - https://curtiscloke.com/retirement-nextgen.htmlEmail - mgebhardt@thriveincome.comWant to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 Interview Teaser 01:18 Curtis Cloke: Retirement Industry Legend 03:42 The 1999 Discovery 05:08 Deferred Income Annuity (DIA) 13:30 How the DIA Was Named and Developed 20:45 Timber Harvesting 23:05 Why Doing the Right Thing Pays Off Long-Term? 28:12 Legacy vs. Money in Financial Services 36:15 Guaranteed Retirement Income Early 39:35 Diversification and Insurance Company Protections 42:10 Why Annuities Are So Misunderstood? 43:35 Fisher Investments vs. Annuities Debate 45:20 Problem With Calling All Annuities “Bad” 50:05 42 Different Types of Annuities 54:35 Responding to Dave Ramsey's CriticismDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.