Podcasts about Annuity

You blocked the time. You had every intention of doing the work. But somehow, when that time block arrives, email, team questions, client needs, and a dozen other things suddenly take over. If this sounds familiar, the problem might not be discipline at all. In this episode, I'm digging into the research behind why we procrastinate and sharing practical ways to turn your time blocks into time you actually use.In this episode you will learn:Why vague time blocks create friction and how getting specific makes it easier to start.How emotions like overwhelm, uncertainty, boredom, and fear can drive procrastination.Why starting small, creating transition time, and adding immediate rewards can improve follow-through.How to create an “executable time block” with an outcome, starting action, trigger, resistance plan, and finish line.Time blocking tells you where your time should go, but that alone doesn't guarantee you'll actually do the work. The goal is to build systems that make starting easier, even on the days when motivation and discipline aren't showing up. Don't just schedule the time—schedule the task and schedule the start.Register for the T2M Works Advisor Tech Stack Tune Up Webinar HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about our sponsor BELAY for amazing virtual assistant services HERE!   Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software 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.

One lucky streak can feel like investing genius—but anecdotes are not evidence. Don and Tom examine leveraged ETFs such as TQQQ, the brutal losses leverage can magnify, and why surviving a good run does not prove a strategy is sound. They answer a federal employee's question about the TSP C, S, and I funds, explaining why a favorable 2003–2025 backtest cannot tell us what comes next and why diversification is still about reducing concentration risk. Then they dissect slick “hybrid pension” annuity pitches and the difference between a withdrawal rate and an investment return. Finally, they look at the other side of higher interest rates: better yields for savers, CDs, Treasuries, and broad bond funds—while reminding investors that fixed income's main job is relative stability. 0:42 Luck, anecdotes, and leveraged ETFs 12:51 Why a winning backtest can mislead 19:32 The truth behind hybrid pension annuities 25:09 Higher rates, savers, and bond stabilityQuestions? Comments? Click!

Retirement planning becomes a two-clock problem when spouses are a decade or more apart in age. Don and Tom explain why one household may need to fund two timelines—and why healthcare, Social Security timing, survivor taxes, and account ownership deserve extra attention. The older, higher-earning spouse may need to delay Social Security to age 70 to protect the younger survivor. A strong plan also models the household after one spouse dies, when income and filing status can change abruptly. Listener questions examine unusual model portfolios, rules-based versus discretionary fund management, and an expensive indexed annuity sold to an 81-year-old. The recurring lesson is simple: sound planning beats clever complexity. 0:49 The two-clock retirement problem 4:28 Healthcare and Social Security timing 7:12 The widow's tax and survivor planning 11:37 Portfolio backtests and the Golden Butterfly 19:02 Is rules-based investing active? 23:51 An unsuitable annuity saleQuestions? Comments? Click!

In this episode, Pete and Bill explore the current interest rate environment and its impact on annuity products, focusing on multi-year guarantee annuities (MIGAs) and fixed indexed annuities. They discuss how agents can leverage these products to enhance client portfolios amid changing market conditions.

Secret to Giving Yourself 'Permission to Spend' in Retirement & Are Pensions Back? Wes dives into new research showing that median-wealth retirees underspend their potential income by 8% – and wealthier retirees underspend by a staggering 47% to 53%. Wes breaks down the psychological difference between spending assets versus spending income streams, and the little-known shift that can give you the "license to spend" without locking your money away in an annuity. Plus, are pensions making a surprise comeback? Wes explores recent Wall Street Journal data showing thousands of companies adding pension-style plans, why workers want them back, and what this means for the future of retirement. Mentioned on the show: What Is an Annuity, and Why Does Clark Think They Stink?⁠ ⁠How Two Clark-Approved Annuities Can Reduce Retirement Stress⁠ ⁠Annuity Calculator: Is it Worth It? - Clark Howard⁠ ⁠How To Turn Part of Your Nest Egg Into a Pension - Clark Howard⁠ ⁠What It Would Take Each Month To Build Your Own Social Security Check From Scratch⁠ ⁠The Biggest Investing Lesson From Trump Accounts - Clark Howard⁠ ⁠Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans⁠ ⁠Pensions Were on the Brink of Extinction. Now Companies Are Bringing Them Back.⁠ All this and more on the September 29, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.comWe hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom examine the promises behind fixed, indexed, and immediate annuities—and why the word ‘guaranteed' deserves closer scrutiny. They explain how insurers invest policyholder money, what state guaranty pools actually cover, and why complexity can hide both cost and risk. Listener questions cover when to claim Social Security, how delaying benefits can protect a surviving spouse, the interaction between Social Security COLAs and Medicare Part B premiums, and where TIPS may—or may not—belong in a portfolio. 0:58 Insurance Annuity Concerns 6:56 Annuity Guarantees Questioned 10:27 What Annuities Really Guarantee 16:07 Bridge, Banter, and Listener Mail 18:32 Social Security Timing Advice 24:04 Social Security and Medicare Costs 29:31 TIPS and Inflation Protection 35:13 Free Advisor HelpQuestions? Comments? Click!

Annuities tend to generate strong opinions. Some people insist they're terrible. Others talk about them as though every retiree should own one. Jeremy Keil and Jeremiah Konger of Annuity Association argue that both approaches miss the more useful question: When does an annuity actually make sense within a retirement plan? Jeremiah and Jeremy discuss common misconceptions about annuities, including fees, access to money, market exposure, guarantees, and the financial strength of the insurance company issuing the contract. Plus, Jeremiah highlights the 4 major types of annuities and what typical use cases they apply in. For disclosures and conflicts visit keilfp.com/disclosures.

What if you had your own personal board of directors—not for your business, but for you? A carefully chosen group of people who challenge you, encourage you, open doors, tell you the truth, and help you become the person you need to be for whatever you're building next.In this episode, I'm joined by Eric Negron to break down exactly how to build your own personal board of directors. Eric shares the six key seats he believes we all need around our table, how to identify the right people to fill them, and how to intentionally cultivate those relationships over time. We also talk about why your board shouldn't just be an echo chamber of people telling you what you want to hear—and why investing in yourself as a leader can have a direct impact on your business, your goals, and your life.In this episode you will learn:The six key seats to include on your personal board of directors.How to identify the right people to fill each role.Why your board needs people who will challenge you and tell you the truth.How to intentionally maintain and reevaluate your board as your goals evolve.You spend so much time thinking about the team you need to build around your business—but what about the people you need to build around you? This episode will give you a simple framework to take into your next CEO Day, identify the gaps around your table, and start intentionally building the personal board of directors you need for your next season of growth.Grab Eric's BOD Download HERE! Register for the T2M Works Advisor Tech Stack Tune Up Webinar HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about our sponsor BELAY for amazing virtual assistant services HERE!   Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In the final part of the Retire With Style Live Q&A, Wade and Alex tackle listener questions on tax-efficient retirement withdrawals, Roth conversions, Social Security, sequence-of-returns risk, annuities, and buffered ETFs. They explain why smart tax planning goes beyond simply filling tax brackets, how to think about Roth conversions with lifetime taxes in mind, and when strategies involving HSAs, MYGAs, and annuities may play a role. It's a practical look at how the different pieces of a retirement income plan can work together. Listen now to learn more! Takeaways Tax brackets alone don't tell the whole story: Roth conversion decisions should consider your effective marginal tax rate, including interactions with Social Security taxation, IRMAA, capital gains, deductions, ACA subsidies, and other tax provisions. The goal isn't necessarily to eliminate your traditional IRA: Converting too much to Roth could leave you without enough taxable income later to take advantage of the standard deduction and other low-tax opportunities. Roth conversions can be front-loaded or spread over time: The better approach depends on the effective marginal tax rates available to you now versus those you may face later. Withdrawal sequencing should account for lifetime taxes, not just this year's bill: Comparing taxable, IRA, and Roth withdrawals can help determine which source makes the most sense after considering the broader tax consequences. Saved HSA receipts may provide another strategic source for paying Roth conversion taxes: Qualified reimbursements could potentially provide tax-free funds in a year when a large conversion creates a significant tax bill. MYGA ladders can potentially serve double duty before Social Security: They may function as a buffer asset during poor markets while allowing interest to remain tax-deferred when the funds aren't needed, preserving room for Roth conversions. Buffered ETFs trade some market upside for downside protection: They can potentially fill a structured-return role similar to certain indexed annuities when lifetime income guarantees aren't the objective. Paying Roth conversion taxes from an IRA isn't automatically a mistake: For those at least 59½, Wade notes that it can be workable, provided the additional taxable distribution needed to pay the tax is included in the conversion calculations.      Annuities inside an IRA may have an unexpected RMD-planning role: Wade describes emerging “RMD Shield” research examining whether annuity payments can help satisfy RMD requirements while reducing required distributions from other IRA assets and potentially preserving a larger legacy. Chapters 00:00 Introduction to Retirement Tax Strategies 02:10 How the Tax Map Calculator Helps Minimize Taxes 04:03 Planning Roth Conversions and Managing RMDs 06:06 Using HSA Receipts for Tax Efficiency 08:01 Understanding IRMA Thresholds and Future Planning 11:05 Evaluating Roth Conversion Strategies: Gradual vs. Upfront 13:08 Effective Marginal Tax Rate and Its Importance 15:59 Handling Insufficient Assets for Roth Conversions 18:05 Buffered ETFs and Annuities as Retirement Tools 22:10 Paying Taxes from IRA and Managing Infinite Loops 25:04 Using Annuities to Reduce RMDs and Boost Legacy 26:50 Future Research and White Paper on RMD Shield   Links

Could your retirement last 40 years, and is your income prepared to keep up? Kevin Madden explores how longer life expectancies are changing retirement planning, why cash flow matters more than account balances, and how guaranteed income sources can help reduce uncertainty. He also discusses the future of Social Security, common mistakes retirees make with 401(k)s and tax planning, and why having a written retirement roadmap may help align income, taxes, and long-term goals. 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.

What if the biggest threat to your retirement isn't a Fed rate hike or market headline, but the emotional decisions they trigger? Steve Anzuoni breaks down what the latest interest rate increase could mean for retirees, why short-term market reactions often lead investors astray, and how diversification, income planning, and risk management fit into a retirement strategy. Steve also discusses retirement roadmaps, the importance of reducing debt, and how some retirees can position assets for income while avoiding panic during market volatility. 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 discusses the growing concerns around Social Security's future, why retirement planning is about more than reaching a million-dollar savings target, and the importance of building dependable income streams. He explains how income, growth, tax, healthcare, and estate strategies work together in a written retirement plan, and why having a roadmap for unexpected events can make all the difference. The conversation also explores retirement psychology, market uncertainty, and common mistakes that can derail long-term financial confidence. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Could saving too much for retirement actually cost you more in taxes and Medicare premiums? Rick Hughes breaks down the hidden expenses retirees may face, including required minimum distributions (RMDs), Social Security taxation, IRMAA Medicare surcharges, and capital gains taxes. He discusses why tax planning should be part of every retirement strategy, how election cycles can impact long-term financial plans, and why retirement plans must adapt to changing market and economic conditions. The conversation also explores the growing interest in annuities, what retirees should know before considering one, and the importance of building a retirement plan designed to evolve over time. 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.

That 7.3% next to an immediate annuity isn't a yield. It reflects how long you're expected to live. In this episode, Stan explains why there are only two kinds of annuity rates, and why tracking the Fed won't help you get either one right.    In this episode, The Annuity Man discussed:  The PILL framework: principal protection, income for life, legacy, long-term care Payout rates and life expectancy in lifetime income products MYGAs as the annuity version of CDs and bonds Why the Fed and annuity rates don't always move together Shopping all carriers for the highest contractual guarantee   Key Takeaways:  A payout rate isn't an interest rate. Lifetime income payouts depend mostly on your life expectancy. The older you are, the higher the payout. MYGAs work like CDs. You lock in a guaranteed interest rate for a term you choose, from 1 to 10 years, and you can ladder several terms. Both rate types shift risk to the insurer. With a MYGA, you hand off interest-rate risk. With lifetime income, you hand off the risk of outliving your money. You can't time the market, so don't try. A carrier may cut its rates even when the Fed raises them, if it already has enough business from people like you. Treat annuities as commodities. Shop every carrier for the highest contractual guarantee, and for lifetime income, only use insurers rated A+ or better.   "Do not buy annuities for market growth. Listen to me: buy them for the contractual guarantees of the policy. End of story." —  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!

This week on Money Wise, the Money Wise Guys look beyond the latest market noise to discuss oil speculation, interest-rate expectations, and when a Roth conversion may - or may not - make sense. On Wall Street last week, the Dow Jones Industrial Average gained about 146 points, or 0.3%, while the S&P 500 rose about 93 points, or 1.2%, and the Nasdaq climbed about 546 points, or 2.1%. Year to date, the Dow is up 7.8%, the S&P 500 is up 13.1%, and the Nasdaq is up 16.5%. The team examines the continued volatility in the bond and oil markets and questions whether short-term traders are driving much of the movement investors are seeing. They discuss how speculation in oil can ripple through energy prices, inflation expectations, and interest rates, while emphasizing the importance of separating short-term market reactions from the bigger economic and earnings picture. Their message for long-term investors is to look beyond the day-to-day noise, keep emotions in check, and stay focused on the fundamentals rather than reacting to every shift in rates or commodity prices. The team then shifts into investor education with a closer look at traditional IRA-to-Roth IRA conversions. With Roth conversions receiving plenty of attention in financial marketing, the Money Wise Guys caution against assuming the strategy makes sense for everyone. Instead, they discuss several factors that should be considered, including an investor's age, income, tax situation, liquidity needs, and whether the taxes generated by a conversion can be paid with funds outside the IRA. They also explain that there are circumstances where a Roth conversion may be worth considering, particularly for certain high-income earners or when conversions can be strategically spread over time. The takeaway is to dig deeper, run the numbers, and evaluate a Roth conversion within the context of your individual financial situation rather than responding to a one-size-fits-all sales pitch. Oil Market Speculation Oil prices can influence far more than what consumers pay at the gas pump. Because energy is an important input across transportation, manufacturing, shipping, and many other parts of the economy, sharp moves in oil can ripple into broader inflation expectations and influence how investors think about interest rates and economic growth. As the Money Wise Guys discuss, speculation can amplify those price swings, creating reactions that extend into the bond and stock markets. For investors, the key is understanding those connections without allowing every move in oil to dictate a portfolio decision. Energy prices matter, but they are still only one piece of a much larger economic picture. In the second hour, the Money Wise guys delve further into their discussion on Equity-Indexed Annuities. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

For almost twenty years, HerMoney CEO Jean Chatzky was an annuity denier. In 2006, when her mother's financial advisor suggested putting some of her mom's money into one, Jean told him, flatly, to forget it. This week, she tells the full story of what changed her mind. Jean walks through the research that convinced her — retirees with annuitized income spend meaningfully more than retirees with similar wealth who don't have it, in some cases twice as much — and unpacks the psychology behind why a paycheck feels safer to spend than drawing down a balance on your own.  Want a signed copy of The Forever Paycheck? Leave the book a review on Amazon, screenshot it, and email it to mailbag@hermoney.com to be entered to win. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Tobe, MBA, CFA, CAIA, and author of "Could Teachers' Annuities Be the Next Casualty of the LA Dodgers Insurance Unwind?" joins us to discuss the unholy NEA/Security Benefit alliance.  Video of episode Chris Tobe Could Teachers' Annuities Be the Next Casualty of the LA Dodgers Insurance Unwind? Part 1 of our recent look at the NEA/Security Benefit alliance  (pod) A Tale As Old As Time (podcast about $300,000 Kansas election donation) Pablo Torre Finds Out About the Los Angeles Dodgers (YouTube) 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Every process in your business creates an experience for your clients—whether you designed it intentionally or not. In this episode, Libby shares a simple CEO Day exercise to help you step into your clients' shoes, identify the experience you actually want to create, and find opportunities to make your processes more personal, friction-free, clear, and human. You'll walk away with a practical way to improve your client experience without adding a bunch of new touchpoints, gifts, or work to your plate.In this episode you will learn:How to define the three feelings you want clients to associate with your firm.How to audit your physical and virtual “front doors” from your client's perspective.Four filters for making your client experience more personal, easier, clearer, and more human.How to turn your best client experience ideas into repeatable processes your team can actually execute.Your clients are already having an experience with your firm—the question is whether you intentionally designed it or it's simply happening by default. Block an hour on your next CEO Day, grab your team, walk through your own client experience, and choose three improvements to operationalize. Systems to Scale participants and Alumni Community members can also access the new Client Experience Blueprint to take this exercise even deeper.Register for the The Advisor Tech Stack Tune-Up Event with T2M Works HERE! Register for the T2M Works Advisor Tech Stack Tune Up Webinar HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about our sponsor BELAY for amazing virtual assistant services HERE!   Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software 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.

As more people approach retirement, they're looking for ways to reduce risk while still maintaining some opportunity for growth. That often leads to questions about annuities and whether they're a good investment. The answer, of course, depends on your specific situation, goals, income needs, risk tolerance, and time horizon. Here's what we discuss in this episode:

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 09/26/26 – HERO’S Talk Radio Read More » The post 09/26/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Listener Q&A where Andy talks about: Follow up thoughts on a previous question about whether it's better to use $27k of cash to make a mega backdoor Roth contribution, or to do a $100k in-plan Roth conversion and use the $27k to pay the taxes on it ( 4:01 )Why the 4% rule isn't called the 3% rule, when working with an advisor who charges 1% of assets under management ( 13:52 )His thoughts on how Artificial Intelligence might impact the advisory world with regards to service offerings and fee structures ( 17:25 )Similarities and differences between Required Minimum Distributions ("RMDs") and annuity income ( 22:56 )A few questions about Treasury Inflation Protected Securities, or TIPS: how they might fit into a retiree's portfolio, how to choose the length of maturity, if there is a minimum yield one should target to justify it, and thoughts on deciding what allocation to use between TIPS and equities ( 26:24 )Social Security claiming thoughts for a married couple where one spouse doesn't have any earnings history or Social Security benefit of their own; should the other spouse not delay starting their benefit so the other spouse can start spousal benefits sooner? ( 39:56 )If investing money for your child, how to decide between funding a Trump account or a Roth IRA ( 45:38 )Whether Roth conversions would still make sense if you have to pay tax via distribution and withholding out of the conversion, instead of paying the tax out of "outside" funds such as cash from bank or brokerage accounts ( 50:15 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comAndy's LinkedIn profile: https://www.linkedin.com/in/andypanko/Links in this episode:Tenon Financial's August 2026 newsletter - Trump accounts; what they are, how they work, and use casesTenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

This week on Retirement Solutions Roundtable, Bill Martin 2.0 sits down with Medicare Division Director Ivy Wilson and Bob Mueller, District Sales Manager and National Training Coordinator for American Senior Benefits, to discuss what agents need to know heading into the upcoming AEP season. From Medicare opportunities to compliantly incorporating annuity conversations into your client process, this episode delivers valuable insights to help you serve clients effectively while growing your business.

Mark Warshawsky, senior fellow and Wilson H. Taylor chair in healthcare and retirement policy, American Enterprise Institute, discusses his co-authored research, commissioned by the American Council of Life Insurers, on retirement income strategies and the growing role of annuities in helping retirees achieve greater financial security.

Did I make a mistake by purchasing two separate annuities in retirement?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

AI is moving fast—and for financial advisors, the conversation can't just be about what these tools can do. It also needs to include what they can access, where your data is going, and whether what's actually happening inside your business matches what your compliance documents say. In this episode, I'm joined by Hugh from T2M Works to unpack the concept of “shadow AI,” the hidden risks that can come with rapidly adopting new technology, and how advisors can build an AI-ready foundation without sacrificing all of the incredible efficiency these tools can create.In this episode you will learn:What “shadow AI” is and how it can quietly make its way into your business without proper visibility or governance.Why understanding what your AI can access—and the quality of the data it's using—is critical to getting trustworthy results.How to identify gaps between your compliance policies and what your technology is actually doing behind the scenes.How a strong technology foundation can help you safely connect your existing tools and get more from the tech you're already paying for.The goal isn't to close the gate on AI—it's to create a smarter path for using it. Hugh shares how advisors can establish the right governance and data foundation first, then confidently layer on AI, automation, and integrations to eliminate busywork and make their businesses more efficient. As Hugh puts it: foundation first, agent second.Register for The Advisor Tech Stack Tune Up Event with T2M Works HERE! Register for the T2M Works Advisor Tech Stack Tune Up Webinar HERE!Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about our sponsor BELAY for amazing virtual assistant services HERE!   Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In this episode of Retire with Style, Wade and Alex tackle listener questions spanning some of the most important decisions retirees and pre-retirees face, including tax planning, Roth conversions, annuities, withdrawal strategies, and preparing for an uncertain future. They explore tax traps that can arise from preferential income stacking, Medicare IRMAA, and other income-related phaseouts; break down the pros and cons of QLACs; and explain why the traditional 4% rule may work better as a rough planning benchmark than as a real-world retirement spending strategy. The conversation also examines how investors should think about asset allocation in the age of AI, the challenges of funding a very early retirement, and how TIPS, annuities, liquidity, and spending flexibility can work together. They close by discussing annuity safety and why even seemingly secure retirement strategies still involve tradeoffs and risks. Listen now to learn more.  Takeaways The 4% rule can provide a rough retirement savings target, but fixed inflation-adjusted withdrawals rarely reflect how people actually spend throughout retirement. Retirement tax planning requires looking beyond your tax bracket because capital gains stacking, NIIT, Medicare IRMAA, and deduction phaseouts can increase your effective marginal tax rate. QLACs can provide late-life income while delaying RMDs on the premium, potentially making them useful for longevity planning and certain long-term care strategies. Rather than trying to predict how AI will affect markets over the next five or ten years, investors should recognize that current expectations are continually being incorporated into market prices. A Roth conversion strategy should focus on the effective marginal tax rate, not simply filling a particular federal income tax bracket. Retiring in your 40s or early 50s makes guaranteed lifetime income considerably more expensive, which can make spending flexibility especially important for early retirees. A safety-first retirement strategy still needs to preserve capital outside the income floor for discretionary spending, inflation risk, and expenses that may increase later in life. People concerned about a forced early retirement may benefit from maintaining liquid, accessible assets outside retirement accounts while continuing to save aggressively. Annuities are not completely risk-free, although contractual protections, insurer financial strength, and state guarantee systems provide layers of protection for policyholders. Chapters 02:06 Tax Traps When Delaying Social Security and Medicare 04:07 Understanding Qualified Longevity Annuity Contracts (QLACs) 06:04 Pros and Cons of QLACs for Long-Term Care and Income 07:49 The Limitations of the 4% Withdrawal Rule 10:14 Asset Allocation and the Era of AI in Investing 12:01 Early Retirement Planning and Risk Pooling Tools 14:04 Risk Management and Safety Nets for Insurers 15:57 Tax Planning Strategies for Roth Conversions 17:59 Managing Income and Tax Efficiency in Retirement 20:01 Long Horizons and Annuity Efficiency for Young Retirees 21:55 Balancing Guaranteed Income Floors with Growth Assets 23:52 Short-Term Liquidity and Career Uncertainty 26:02 Risk of Multiple Insurer Failures and Economic Scenarios   Links

Could artificial intelligence force your retirement timeline to change before you are ready? Kevin Madden examines how job disruption, unexpected career changes, and DIY financial planning can affect retirement decisions. He also discusses the value of human guidance, early tax planning, Roth conversions, required minimum distributions, and income strategies designed to create dependable cash flow throughout retirement. 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.

Can AI really build your retirement plan, or is something essential missing? Steve Hoyl discusses the growing trend of using AI, social media, and online advice for financial decisions, and why personalized planning still matters. They explore retirement age expectations across generations, strategies involving Social Security timing, Roth conversions, inflation planning, and how different retirement income sources can work together. The conversation also highlights the importance of understanding taxes, evaluating annuity options, and creating a retirement strategy tailored to individual goals instead of following one-size-fits-all advice. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Former Wall Street broker turned annuity evangelist, Stan the Annuity Man, argues the industry's most misunderstood product is actually the market's greatest ally. Lock in a guaranteed income floor, he says, and you'll never panic-sell your portfolio again.    In this episode, The Annuity Man discussed:  The income floor and non-correlated retirement income Four lifetime-income annuity types: SPIAs, DIAs, QLACs, income riders Why Wall Street resists annuities (wrap fees) Debunking the 4% rule Allocation limits, transparency, and anonymous quoting   Key Takeaways:  Own an annuity for what it will contractually do, never for what it might do. A guaranteed income floor doesn't compete with your portfolio — it protects it, because you're never forced to sell into a downturn. Annuities hold a monopoly on lifetime income; no other product can pay as long as you're breathing. The 4% rule collapses the moment markets fall, since you're still withdrawing while trying to recover losses. Never go all in: the industry itself caps annuities at roughly 50–60% of investable assets, and the goal is to solve the income gap with the least money possible.   "If you want growth, don't buy an annuity. If you want guarantees, buy an annuity. It's that simple." —  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! 

Need a hack to finally get better at delegation—without feeling like you have to lower your standards? If you're a financial advisor who knows you need to get more off your plate but keeps thinking, “It's just faster if I do it myself,” this episode is for you. I'm breaking down Gary Vaynerchuk's 15-80-5 framework, a simple approach that lets you maintain ownership of the vision without owning every step of the execution.In this episode you will learn:How the 15-80-5 framework can help you delegate projects without sacrificing quality.Why spending more time communicating your vision upfront can prevent delegation breakdowns.How stepping out of the middle 80% helps your team develop ownership, judgment, and confidence.Why “different” doesn't necessarily mean “wrong”—and how accepting that can make you a better leader.The goal of delegation isn't to lower your standards. It's to build a business capable of meeting those standards without requiring your involvement in every tiny detail. The 15-80-5 framework gives you a practical way to provide clarity, give your team room to execute, and still ensure the finished product meets your expectations—so you can stop being the person everyone is waiting on.Register for the Quin x Efficient Advisor Show & Tell HERE!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.

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 09/19/26 – HERO’S Talk Radio Read More » The post 09/19/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

This is always a busy time of year for me. I know it happens every year, and I need to remember to adjust my schedule a bit after Labor Day. This is the time when all the people I've been working with decide that they need to get a plan in place by year end. And they're reaching out now to get moving. I'm thankful to be the specialist you choose to manage this part of your retirement plan, and will gladly help. So today, I'm reposting a case study of a gentleman I helped in 2023. The plan we designed for him is performing better than we had projected, and he's very happy. Take a listen and then schedule with me to start preparing for your tomorrow https://calendly.com/diane-p4t/30min

In this episode, Pete and Bill discuss the evolution of annuity suitability, common pitfalls, and best practices to ensure compliance and client satisfaction. They share insights on carrier rules, asset assessment, and how to avoid costly declines and chargebacks.

Financial advice is everywhere, but useful investing guidance is strangely hard to find. Don and Tom sort through the stock-picking headlines, social-media hype, and finfluencers who turn excitement and fear into clicks.Then Randy sends an annuity sales presentation that makes some very large claims. The guys examine the unsupported numbers, the misleading comparisons, and why a prospectus matters more than a polished pitch.Plus, is a rising equity glide path really a cornerstone of retirement planning? And should an I bond help pay a daughter's student loan or seed a grandchild's 529?00:44 Coyote vs. Acme and the genius of Looney Tunes03:34 Why most investing headlines are useless06:07 Where people get financial advice07:33 TikTok finfluencers and online money hype12:39 Three listener questions13:35 An annuity sales pitch under scrutiny22:44 Rising equity glide paths in retirement29:22 Using an I bond for family education31:31 The Financial Physicists returnQuestions? Comments? Click!

Should you be charging for financial planning—and if so, how much? For many advisors, the idea of charging directly for their advice brings up a whole lot of questions (and maybe a little head trash). In this episode, I'm joined by Jacqueline Bradley and Ben from MindShift Financial Coaching to unpack what it actually looks like to move from “working for hope” to confidently charging for the value you provide. We're talking pricing, positioning, separating planning from AUM, communicating your value, and even how to approach existing clients when you've been providing planning for free.In this episode you will learn:How to determine what to charge for financial planning without overcomplicating your pricing.How to clearly separate financial planning from investment management and other transactional services.How to communicate your planning charge with confidence and position the value beyond the financial plan itself.How to begin introducing planning charges to prospects and existing clients without changing your entire business model overnight.If charging for financial planning has been on your mind, this episode will give you practical language, a new way to think about your value, and some simple first steps to get started. And if you're ready for more support, MindShift Financial Coaching offers both a self-paced Financial Planning School and a live cohort beginning October 21st. Efficient Advisor listeners can receive 10% off either option—head to the show notes or visit the Resources page at theefficientadvisor.com for all the details.If you want to learn more about Mindshift and take advantage of the 10% discount: Check it out HERE and use code: LIBBY at check out!Register for the Quin x Efficient Advisor Show & Tell HERE!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.

In this live Retire With Style Q&A, Wade Pfau and Alex Murguia tackle a wide range of retirement planning questions, including Social Security survivor benefits for divorced spouses, using home equity as a retirement buffer, managing sequence-of-returns risk, building conservative portfolios, Roth conversions, and annuity planning. They explain why a HECM reverse mortgage can function as a more reliable buffer asset than a HELOC, revisit the role of a rising equity glide path in retirement, and discuss how Social Security, QLACs, TIPS, and portfolio diversification can help address longevity and inflation risks. The episode also explores why even highly conservative retirees may benefit from modest stock exposure, why short-term market timing should not dictate Roth conversion decisions, and the practical hurdles involved in exchanging or restructuring existing immediate annuities. Listen now to learn more!   Takeaways A divorced spouse may qualify for an ex-spouse survivor benefit if the marriage lasted at least 10 years and remarriage occurred after age 60. Social Security benefits generally do not “stack”; eligible retirees effectively receive the highest benefit available to them through their own benefit plus any applicable top-off. A HECM reverse mortgage can serve as a retirement buffer asset because its line of credit is designed to remain available during periods of market stress, unlike a HELOC that may be frozen or reduced. Rising equity glide paths remain a viable strategy for managing sequence-of-returns risk and can be implemented differently depending on a retiree's retirement income style. Delaying Social Security can provide valuable inflation-adjusted lifetime income, while a QLAC can add reliable income later in retirement to help manage longevity risk. Even retirees with all essential expenses covered by Social Security may benefit from holding a modest stock allocation rather than keeping 100% of their portfolio in fixed income. TIPS can provide an additional layer of inflation protection for conservative investors who want to maintain a substantial fixed-income allocation. Roth conversion decisions generally should not be driven by fear that the market might decline immediately after the conversion, since short-term market movements are impossible to consistently predict. From an asset-location perspective, higher-growth assets such as stocks may be particularly valuable in Roth accounts because their future gains can potentially grow tax-free. Existing SPIAs are typically irreversible, which can make exchanging a joint annuity for a different insurer or restructuring it as a single-life annuity difficult or impossible Chapters 00:00 Introduction to Retirement Strategies 01:48 Social Security Benefits for Ex-Spouses 03:53 Using Buffer Assets: HECMs vs HELOCs 05:52 The Rising Equity Glide Path in Retirement 10:57 Managing Sequence of Returns Risk 14:01 Delaying Social Security and Using QLACs 17:03 Asset Allocation for Safety and Inflation Protection 20:00 Asset Location and Bond Ladder Strategies 22:04 Roth Conversions and Asset Management 25:59 Annuities and Protecting Income 26:54 Switching from Joint to Single Annuities   Links

Could living longer mean receiving lower annuity payments in the future? This episode explores how AI-driven medical breakthroughs could affect longevity, life expectancy assumptions, and lifetime income annuities.   In this episode, The Annuity Man discusses:  AI-driven medical breakthroughs and their potential impact on life expectancy How life expectancy tables factor into lifetime income annuity pricing Why current life expectancy assumptions may present an opportunity to lock in lifetime income Lifetime income products including SPIAs, DIAs, QLACs, and Income Riders Why financially strong A+ or better carriers matter for lifetime income guarantees   Key Takeaways:  AI-driven advances in medical research could potentially increase life expectancy and affect future annuity pricing. Lifetime income annuities are primarily priced around life expectancy, not interest rates. If future life expectancy assumptions increase, the speaker argues that lifetime payments could be lower because payments may need to continue for longer. Locking in current life expectancy assumptions could potentially result in higher lifetime income. Lifetime income products transfer longevity risk to the insurance company.   "How do you beat AI? How do you get ahead of AI? Lifetime income right now, because AI hasn't affected it, and the next word I'm going to say is very important, yet. It will. You know it." —  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! 

The life/annuity segment is fueling the industry's Level 3 bond holdings, according to a new Best's Special Report discussed by Kaitlin Piasecki, industry research analyst, AM Best.

Strategic Wealth Hour - 9-13-26 - Annuities by

If an investment takes longer than a minute to explain, the confusion may be doing the selling. Don and Tom examine the confusion-to-risk ratio through structured notes, CDOs, variable annuities, equity-index annuities, leverage, hidden tradeoffs, and the costly products that prosper when buyers stop asking simple questions. Then they tackle tax-gain harvesting for a child, Massachusetts municipal bonds, and RMD timing.Want more Money Music? Hear extended versions from Don's fictional AI band, The Financial Fysicist, on Apple Music: https://music.apple.com/us/album/let-the-boring-money-in/6805953759 or Spotify: https://open.spotify.com/album/0G06JEvGsyw6SISfAOxLt6?si=ah2uVVWuQwmxTqjBeta8AQQuestions? Comments? Click!

Upfront bonuses, free long-term care, unlimited market growth — if the annuity pitch sounds too good to be true, there's a reason. Here's how to spot it before you sign a 10-year contract.   In this episode, The Annuity Man discussed:  FIAs as CD products, not market products Principal protection and locked-in annual gains Caps, spreads, and renewal-rate discretion Deconstructing the four-part sales pitch Licensing gaps behind mis-selling   Key Takeaways:  It's a CD product, not a market product. These were built to compete with CD returns, bringing that expectation, not a growth one. Principal protection is the real upside. Market swings can't shrink your money, and gains lock in at each contract anniversary. A 10-year surrender charge can hide a one-year guarantee. Caps and spreads reset at the insurer's discretion, so renewal-rate history matters. Upfront bonuses aren't free money. They're priced into the guarantee, and the best guarantees often carry no bonus. "Free long-term care" isn't real coverage. A guaranteed-issue confinement rider is easy to qualify for and is not replaceable.   "If it sounds too good to be true, it is every single time with annuities without exception." —  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! 

The Fed says inflation is running 2 to 3 percent. The checkout counter says otherwise. This week we close the gap between the number they report and the number you live — where inflation is actually coming from, why prices are never going back down, and the four levers retirees can pull to fight the affordability squeeze. On this week's Money On Tap, we start with the distinction that changes everything: inflation is the rate at which prices rise, but affordability is the level of prices you have to live with — and when $100 becomes $125, a "cooling" inflation rate just means the new price grows slower. We follow the money to where the pressure really comes from: oil, the one commodity in every leg of the delivery chain (with diesel up roughly 24%); shelter costs that stack rent, insurance, property taxes, maintenance, and utilities; shrinkflation's not-quite-a-gallon gallon; tariffs that raised prices which never came back down; and healthcare — the retirement inflation almost nobody prices, from Medicare premiums to long-term care that can run five figures a month after Medicare steps away. Then we get practical: what inflation rate to actually stress-test your plan against, and the four ways to fight back — the right equities, bonds honestly reconsidered, annuities for the problem they truly solve, and the most powerful lever of all, tax mitigation. What you'll learn:Inflation vs. affordability — why "rates are cooling" never means prices are coming downWatch the barrel: why oil is the truest inflation gauge in your lifeWhat retirees actually buy — and how much of it the CPI undercountsShrinkflation: the quiet second tax at the same sticker priceHow tariffs raised prices that stayed raisedHealthcare as retirement inflation: premiums, prescriptions, and the long-term care cliffWhat inflation rate to stress-test your plan against (hint: not 2–3%)Lever 1 — the right equities: pricing power, free cash flow, low debt, real dividendsLever 2 — bonds reconsidered: the 4–5% risk-free window, and what rate cuts would doLever 3 — annuities and longevity risk: guaranteed income pays the bills, the portfolio fights inflationLever 4 — tax mitigation: keeping more of every distribution at century-low ratesPlus Money In The News:401(k) savers set records — balances up 10.5% in Q2, but a fifth of participants carry loansInside Apple's first launch event under its new CEO: the $1,999 foldable iPhone and "personal intelligence"The AI boom and tariff uncertainty push copper to record highsWant this week's white paper — seven things retirees can actually do about inflation? Email us at info@yourmoneyontap.com and we'll send it over. Read our most recent Blog Post on this topic here: https://www.fmgwebsites.com/d772de05-9833-44e4-9676-f510f85cef74/blog/inflation-isnt-dead-where-its-coming-from-and-how-retirees-fight-backSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tap Contact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Annuity guarantees are backed by the claims-paying ability of the issuing insurer. Figures cited are approximate as of the air date, drawn from sources believed reliable, and subject to change; alternative inflation measures are unofficial. Past performance is not a guarantee of future results.Should I lend money to a family member?Only after you've secured your own oxygen mask. Before helping anyone, confirm your own financial stability: your retirement income need, your healthcare runway, and your spouse's full agreement. Then ask whether this is a one-time emergency or a recurring pattern, and choose the form deliberately — a gift, a documented loan, a matched contribution, or a payment made directly to the vendor. Avoid funding help from retirement accounts, where taxes, early-withdrawal penalties, and lost compounding can double the cost. And if you do lend, follow the oldest advice on family money: never lend what you aren't prepared to never see again.

What should financial advisors charge? Too often, advisors answer that question by looking around at what everyone else is charging and picking a number that feels safe. But your clients aren't paying for the number of hours you spend creating a financial plan or the number of meetings on your calendar. They're paying for the years of experience, expertise, and pattern recognition that allow you to help them make better decisions, avoid costly mistakes, and move forward with confidence. In this episode, we're breaking down how to think differently about pricing your advice—and how to determine whether your fees actually reflect the value you create.In this episode you will learn:Why pricing based on what other advisors charge can lead you to undervalue your expertise.How to separate the one-time value of financial planning from the ongoing value you provide.Why you shouldn't immediately lower your price when a prospect pushes back on your fee.A simple exercise to evaluate whether your current fees reflect the value you create for clients.Your clients aren't paying for how many hours it takes you to do the work. They're paying for what your experience, expertise, and time make possible. Take a look at the last five clients you onboarded, identify the value you created and the costly mistakes you helped them avoid, and then ask yourself one important question: Does my fee actually reflect that value?Register for the Quin x Efficient Advisor Show & Tell HERE!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.

One of the biggest retirement decisions you'll ever make may come down to a single question: should you take the pension or the lump sum? In this episode, Austin, Josh, and Jessica break down the pros and cons of both options, helping you look beyond the dollars and understand how each choice impacts your retirement income, flexibility, taxes, legacy goals, and overall lifestyle. They talk through why so many retirees are drawn to the lump sum, when guaranteed lifetime income may actually be the better fit, and the challenges that can make or break a retirement plan. Whether you're approaching retirement or simply planning ahead, this conversation will help you evaluate the factors that matter most so you can make a confident, informed decision for your future!Watch on YouTube, read show notes, and find resources at thewealthmindsetshow.com/s2e45Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

Guest: Chad Taylor, Founder, Seapoint Wealth Advisors (San Diego, CA) — Forbes 2026 Best-in-State Wealth Advisors (confirm firm name/URL before publishing)What you'll learn in this episode:• How do you know if your clients are truly loyal — and what does bringing over 100% of your book actually prove?• What finally makes it worth leaving a warehouse firm to go independent?• If everyone says “it's about service,” how do you make yours believable to a prospect?• Why does having a defined, written client process matter more than the pitch?• How should you think about risk management and insurance as a fiduciary — starting from the plan, not the product?• When do annuities make sense again, and what changed with higher rates?• What's driving the wave of practice acquisitions, and how do you assess cultural fit before you buy?• How do you help high earners overcome “lifestyle creep” and see whether they're actually on track? **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

America just officially crossed $40 trillion in national debt. Everyone's talking about the number — almost nobody's talking about what it means for your taxes, your income, and your ability to retire. This week we dig into Uncle Sam's IOU and how to build a retirement that can withstand it. The debt isn't a reason to panic. It's a reason to prepare. On this week's Money On Tap, we break down how we got here — structural deficits across every administration, roughly $100 trillion more in unfunded liabilities, and debt service now among the largest line items in the federal budget — and why the fallout runs straight through your retirement plan. We make the case that taxes are already rising in plain sight (today's rates are among the lowest in 100 years, and bracket creep is a quiet raise nobody voted on), walk through the inflation math that can leave a retiree needing nearly twice as much money over 20 years, and then get practical: the stocks that win in a high-debt world, the dividend traps to avoid, bonds versus bond funds, when an annuity is a foundation instead of a product pitch, cash that actually earns near 4%, and the debt-resistant retirement portfolio, layer by layer. What you'll learn:How we got to $40 trillion — and why the blame is thoroughly bipartisanThe numbers that matter: debt past 100% of GDP, deficits near 6% of GDP, and ~$1.9 trillion in debt serviceWhy taxes are historically low today — and how bracket creep raises them without a voteThe retiree math: 2% vs. 4% inflation over 20 years, and why it's about income, not a numberSequence of returns risk — the reason a 9% average doesn't mean an 8% withdrawalStocks for a high-debt world: low debt, strong free cash flow, moats, and sustainable dividendsDividend traps: when a high yield is a warning sign, not an opportunityBonds vs. bond funds — and why owning to maturity changes the mathWinners and losers if rates stay high, from banks and insurers to non-traded REITsAnnuities done right: guaranteed income for core expenses so the rest can rideThe debt-resistant portfolio: guaranteed income, safety, quality dividends, growth, inflation protection, and working cashPlus Money In The News:Meta reaches an $18 billion settlement with 48 states over child-safety claims — default screen-time limits includedFive smart ways to use high-yield savings accounts paying near 4% while banks average 0.38%Why the bond market may be resetting expectations about U.S. debtWant a white paper on this week's topic? Email us at info@yourmoneyontap.com and we'll send it over. Read our most recent Blog Post on this topic here: https://www.fmgwebsites.com/d772de05-9833-44e4-9676-f510f85cef74/blog/uncle-sams-iou-and-your-retirement-building-a-debt-resistant-portfolioSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tap Contact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Annuity guarantees are backed by the claims-paying ability of the issuing insurer. Figures cited are approximate as of the air date, drawn from sources believed reliable, and subject to change. Hypothetical examples are for illustrative purposes only. Past performance is not a guarantee of future results.Should I lend money to a family member?Only after you've secured your own oxygen mask. Before helping anyone, confirm your own financial stability: your retirement income need, your healthcare runway, and your spouse's full agreement. Then ask whether this is a one-time emergency or a recurring pattern, and choose the form deliberately — a gift, a documented loan, a matched contribution, or a payment made directly to the vendor. Avoid funding help from retirement accounts, where taxes, early-withdrawal penalties, and lost compounding can double the cost. And if you do lend, follow the oldest advice on family money: never lend what you aren't prepared to never see again.

We spend a lot of time talking about how to simplify, systematize, automate, and streamline our businesses—but what about our lives outside of work? After sharing that I recently flew my family to South Africa and back in upgraded seats for mostly free, I got flooded with questions about how I had accumulated so many miles. The answer isn't complicated travel hacking or a spreadsheet filled with credit cards. In this episode, I'm sharing my “easy button” approach to free travel: a simple, mostly automated system that helps me earn points, score travel perks, and save money without turning any of it into another job.In this episode you will learn:How I use SkyKey to automatically find lower fares and get money or miles back after I've already booked a flight.My simple strategy for using companion passes and credit card spending to cover more of my family's flights.How I “double dip” with Uber, SkyMiles Dining, shopping portals, and everyday spending to earn points with minimal effort.How I keep my entire system simple by giving each credit card a specific job for business expenses, personal spending, and travel.This episode isn't about perfectly optimizing every point or becoming a travel-hacking expert. It's about finding your version of the 80/20—using simple systems and automation to get more of the benefits you want without adding more work to your life. Whether your preferred combination is Delta and Marriott or completely different airlines and hotels, the goal is the same: find what works, keep it simple, and use the margin you've worked so hard to create to actually enjoy your life.READ THE BLOG HERE! Register for the Quin x Efficient Advisor Show & Tell HERE!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.

In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss whether you can truly be a fiduciary and still talk about annuities and walk through exactly when an annuity earns a place in a retirement plan versus when it doesn't.Listen in to learn about the three-bucket strategy for organizing retirement money, why an income safety bucket targets a specific historical return range instead of chasing the market, how sequence of returns risk can quietly damage a retirement plan, and the honest, no-spin answer to the fee concerns you've probably come across online.In this episode, find out:Why being a fiduciary doesn't rule out recommending an annuity, and why fit matters more than the product category itselfThe three layers of retirement spending (essential needs, wants, and wishes) and how covering the first two changes your relationship with market volatilityHow the three-bucket strategy, cash, growth, and income safety, is designed to prevent the emotional roller coaster of panic selling during a downturnWhere the high annuity fee reputation actually comes from, and why it's mostly confined to one specific categoryWhy sequence of returns risk changes the entire calculation once you're retired and withdrawing income, not just savingTweetable Quotes:"We're not trying to sell the concept, we're saying we like the concept." — Radon Stancil"This strategy is really there for predictability and reliability in your retirement income." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Jim and Chris discuss listener emails on IRMAA brackets after a spouse’s death, Social Security claiming and spousal benefits, annuities and inflation for a Minimum Dignity Floor shortfall, and a Qualified Charitable Distributio (QCD) funding a charitable gift annuity, followed by listener PSAs on expense tracking, home sale timing, and annuity flexibility. (10:00) A listener asks which year’s tax brackets and which filing status apply to the IRMAA two-year look-back following a spouse’s death, and whether remarrying later would change the result. (18:30) George asks whether claiming Social Security at Full Retirement Age rather than 70 makes more sense when a spouse is already receiving a small benefit that would step up to a spousal benefit. (32:15) The guys respond to a question about how to account for future inflation when purchasing an annuity to cover a Minimum Dignity Floor (MDF) shortfall. (1:02:15) Jim and Chris address a question about using a QCD from a traditional IRA that contains basis to fund a charitable gift annuity. The listener asks how the basis affects the reportable QCD amount, any charitable deduction, and the taxation of the lifetime income stream. (1:11:30) Georgette shares a listener PSA on using a budgeting app to tag every transaction as either MDF or Fun in the years leading up to retirement. (1:13:00) A listener offers a PSA recommending a different approach – similar to what Jim is doing – for the homebuyer from a previous episode. (1:15:00) The guys share a listener PSA suggesting a 60-day leaseback at closing as a simpler alternative to the 60-day rollover for that same home purchase situation. (1:19:30) Jim and Chris close with a listener PSA suggesting that an annuity purchased for fun spending could also serve as a partial source of MDF income later if it structured differently. The post IRMAA Brackets, Social Security, Annuity Inflation, QCDs, Listener PSAs: Q&A #2636 appeared first on The Retirement and IRA Show.

In this episode, Tracy Lownsberry discusses the complexities of annuities, emphasizing the importance of transparency from carriers regarding renewal rates. He differentiates between income-driven and performance-driven annuities, explaining how to educate clients on their options. Tracy shares his marketing strategies for annuity education and the significance of technical knowledge in the financial planning process. In this conversation, Tracy discusses the critical aspects of financial planning, particularly focusing on annuities and the importance of understanding client needs. He emphasizes the distinction between suitability and ethics in financial advice, the necessity of liquidity, and the importance of identifying the specific problems clients face. Tracy also introduces his training program, Annuity Giants, aimed at educating financial advisors. The discussion further explores how to address client concerns regarding annuities and the value of prioritizing time over money in the advisory process. Navigating the Annuity Landscape With Tracy Lownsberry Resources in today's episode: - Matt Jarvis: Website | LinkedIn - Tracy Lownsberry: Website | LinkedIn - Learn More about our Coaching Programs