Podcasts about Annuity

How long will your retirement savings really last? Frank and Frankie Guida explore the myth of the “magic number” and reveals why your retirement plan must be as unique as you are. Learn how income sources, expenses, and smart strategies can help you make the most of your savings, avoid common pitfalls, and adapt to changing needs throughout retirement. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

In this episode, The Annuity Man discussed:  Seeing through product-driven Roth pitches Recognizing political risk in long-term tax planning Keeping conversions separate from annuity products Avoiding shiny-object sales tactics   Key Takeaways:  Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing. Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions. Run conversion numbers independently of any annuity recommendation. Evaluate tax impact, break-even timing, and personal comfort before acting. Watch for bonuses, churning, and pressure to "flip" existing annuities. Focus on guarantees, documentation, and advice from qualified tax professionals.   "You should never do a Roth conversion without talking to a Certified Financial Planner, a CPA, or tax lawyer. 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! 

Financial advisors often begin the year energized, organized, and committed to ambitious goals. Yet, by March, many find their plans stalling—not because of a lack of motivation, but because of a lack of true accountability. In this episode, neurobiology-based performance and accountability expert Brian Ford breaks down why traditional views of discipline and accountability fail, how advisors can build systems that actually work, and what it takes to sustain long-term behavior change. Brian shares the science, psychology, and practical frameworks that help advisors stop relying on motivation alone and start building systems that drive real follow-through.

James Clark is senior managing director at Blue Owl and the Global Head of Institutional Capital. He has 26 years of asset management experience, and prior to Blue Owl, worked for Pimco, Golden Tree Asset Management and Landmark Partners.   We had met on the circuit during my time as an allocator with Chicago Policemen's Annuity and Benefit Fund, and I recently enjoyed listening to him on this podcast with Ted Seides of Capital Allocators. https://youtu.be/laLuf6XrrDw?si=uixmWOvMGnPNeydfI wanted to catch up with James to capture some of his lessons learned amid such an accomplished career as an institutional capital raiser - he has an innate ability to play the long game, and a sharpened set of skills that enable him to know what a client needs and when, as well as when to dial things back. Diving in to these skills, he notes the value of active listening, core competencies, and the alignment of values in leadership. We end with a discussion of the changing dynamics of the private credit market, and the team's approach to building strong partnerships with clients.Series 5 of 2025 is kindly sponsored by Diamond Hill. Diamond Hill invests on behalf of clients through a shared commitment to its valuation-driven investment principles, long-term perspective, capacity discipline and client alignment. An independent active asset manager with significant employee ownership, Diamond Hill's investment strategies include differentiated US and non-US equity, alternative long-short equity and fixed income.

In this episode, The Annuity Man and Michael Finke discuss:  Annuities are more attractive today  Protecting your future lifestyle  Cutting little slices from the birthday cake There's no perfect product to solve for inflation   Key Takeaways:  At the time of this episode's taping, near-retirees can lock in 5.2% on five-year MYGAs for the next five years; however, it may go up or down.  When buying an annuity, you're buying yourself a minimum standard of living forever, no matter how long you live. You have to choose if you want to shoulder the risk or transfer it. Your future lifestyle is at stake.  It's not going to be easy, but you must first recognize that you're not going to live forever. You have to decide how you could spread out your savings to accommodate your lifestyle until you die, or if you want to spend more money to have less worry.  If you can be more flexible, then inflation's impact won't be that big of a deal. Also, there's no perfect product to solve for inflation. There are options that could help you have some stability through it, like Social Security and I Bonds.    "If we model out 1000 different potential retirements, the ones who will have an annuity will, on average, be happier, but the ones with an investment portfolio might have a slightly higher probability of success. But there is no information about what failure means." —  Michael Finke    Connect With Michael Finke: Website: http://www.michaelfinke.com/  LinkedIn:  https://www.linkedin.com/in/michael-finke-8134808/  Facebook: https://www.facebook.com/mfinke  Twitter: https://twitter.com/FinkeonFinance    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!

Even a national group of financial advisors admits the term fiduciary is vague and, in their words, “means nothing.” Greg gives his opinion on the topic and what is more important when searching for retirement assistance. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

This conversation, on today's show, explores the evolving concept of retirement, emphasizing the importance of planning beyond just financial aspects. Host Nathan Fort discusses the significance of relationships, the need for clarity and control in financial planning, and strategies to manage longevity risk and emotional investing. Nathan encourages listeners to rethink retirement as a fulfilling phase of life rather than just a cessation of work, highlighting the necessity of a comprehensive retirement plan that includes income strategies and personal goals. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

We're back after a two-week break, and there was a lot to catch up on. This week's Money Wise episode opens with a mixed market recap: the Dow pushed higher, while the S&P 500 and NASDAQ slipped, reflecting a week dominated by volatility and a sharp “attack of the Friday” sell-off. For the week, the Dow Jones Industrial Average gained roughly 503 points, or 1%, while the S&P 500 fell about 43 points, down 0.6%, and the NASDAQ dropped approximately 383 points, or 1.6%. Despite the pullback, the bigger picture remains constructive, with year-to-date gains sitting at roughly 13.9% for the Dow, 16.1% for the S&P 500, and 20.1% for the NASDAQ. Kyle breaks down how a single negative AI-related news story spiraled into a broad tech slide, while Jeff and Joe highlight the deeper issue: a market hypersensitive to headlines and eager to overreact to anything tied to AI. The Money Wise guys also dig into the growing influence of predictive markets, the dangers of casino-style trading attracting inexperienced investors, and why Wall Street will always find a way to package products people are willing to buy, even if it isn't what they should be buying. They close by emphasizing the importance of broader diversification, resisting media-driven panic, and understanding that bull markets often climb a long wall of worry, exactly what we're seeing today. Predictive Markets The rise of predictive markets is creating a new layer of casino-style behavior among younger investors who are treating Wall Street like a betting app rather than a place to build long-term wealth. Platforms that allow users to “wager” on market outcomes or economic events blur the line between investing and gambling, and they're gaining traction with Gen Z and inexperienced traders who are drawn to the instant-gratification model of prediction markets. The Money Wise guys warn that Wall Street will always supply whatever products people are willing to buy,  even if those products encourage speculation instead of strategy. When investors start chasing coin-flip outcomes rather than fundamental research, volatility escalates, emotions take over, and portfolios become dangerously exposed to short-term swings. It's a trend worth watching, and one that makes disciplined, diversified investing even more important. In the second hour, the Money Wise guys discuss Equity Index 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.**

In this episode, you'll learn how a single Ritz-Carlton philosophy can transform the way financial advisors build trust, deepen loyalty, and create unforgettable client experiences. You'll hear real examples of small but meaningful moments that turn mistakes into connection, empower your team, and elevate your brand far beyond portfolios and planning tools.You'll also discover how giving your team simple freedom, creativity, and a small monthly “surprise & delight budget” can turn everyday interactions into lasting loyalty, referrals, and genuine client love. From laptops delivered across town to coffee sent with a smile, this episode reminds us that great client experience isn't about perfection — it's about how you make people feel ✨.I hope you enjoy this new format and I look forward to delivering super fast tips & tricks with you! You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Kelley discusses various financial strategies for retirement planning, emphasizing the importance of making end-of-year financial moves, creating sustainable income plans, and addressing the needs of late starters. The discussion also includes listener questions, providing insights into real estate investing, managing high-interest debt, and the significance of diversification in a financial portfolio. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the essential aspects of retirement planning, emphasizing the importance of starting early, saving adequately, and avoiding common financial missteps. He highlights the need for a comprehensive plan that accounts for various income sources, inflation, healthcare costs, and unexpected expenses. The discussion also covers investment strategies tailored to different life stages, the significance of long-term care planning, and the role of annuities in securing a stable income. Ultimately, the conversation underscores the necessity of having a flexible and adaptable retirement plan to navigate life's uncertainties. Reach Marty at 888-519-9096 Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kevin Brucher discusses the emotional challenges retirees face in the stock market, emphasizing the importance of emotional control and strategic investing. He explores various investment strategies, including rules-based approaches and the role of annuities in providing safety. The conversation also covers the significance of creating a comprehensive income plan for retirement, the potential of the AI and tech sector, and the need for investors to manage risk and emotions effectively. Brucher highlights the importance of patience in investing and the inevitability of market volatility, encouraging listeners to prepare for future uncertainties while maintaining a long-term perspective. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

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, … 12/13/25 – HERO’S Talk Radio Read More » The post 12/13/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

#SafeMoney #JonHeischmanSr #AnEducatedrRetirementIn this week's episode host Jon Heischman, Senior talks about being educated heading into and during retirement.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information. This is from and episode that orginally aired in January of 2021.

In this episode, The Annuity Man discussed:  Designing dependable inheritances Structuring income for generations Choosing tools for guaranteed legacy streams Partnering wisely with trusted professionals   Key Takeaways:  Integrating annuities into estate plans allows individuals to pass on structured, reliable income rather than lump-sum inheritances, protecting beneficiaries from mismanagement or market risk. Estate plans can specify lifetime payments, joint-income arrangements, or funds designated for annuities, giving families long-term financial stability across multiple generations. Tools like SPIAs and QLACs offer flexible ways to create guaranteed income streams for spouses and heirs, making them valuable components of a well-structured legacy strategy. Working with estate planning lawyers and unbiased annuity professionals—such as firms that operate without commissions—helps ensure these strategies are tailored properly and set up without delay.   "You need to set these things up so that when you die, things are triggered and happen exactly like you want them to happen." —  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! 

In this episode, Brian Skrobonja goes over the three main retirement mindsets that could negatively impact your retirement plans. He sheds light on what most retirees get wrong about retirement planning, why being confident doesn't eliminate investment risks, and what to consider when hiring a financial planner. Brian goes over three retirement mindsets that have the potential to derail even the best-laid retirement plans. He starts by explaining that there is more to the conversation around retirement than just having a permanent vacation. Retirement is not a destination; it's a transition into a new stage of life. The different mindsets you need when saving money and growing a nest egg versus spending and withdrawing money from your retirement accounts. Mindset #1 - The Idea That Annuities Are Bad. For Brian, retirement is about having a steady stream of income you can rely on no matter what Wall Street throws your way. Brian reveals that most retirees want consistency and predictability in retirement--they want to know exactly how much money they have coming in each month. Annuities are designed specifically to deliver this predictability and remove guesswork out of producing income for retirement. Remember, stock market risks are real and they don't disappear just because an investor is optimistic about what could potentially happen. Mindset #2 - The idea of the status quo of the stock market in retirement. Some people believe that a well-diversified portfolio will predictably turn out enough profit to sustain them throughout retirement. According to Brian, what is missing from this ideology is that the market doesn't go up in a straight line. If you experience a 50% loss, 50% in earnings will not get you back to even; you need 100%. And if you're making withdrawals, that only compounds the problem. Brian reveals why the stock market is a great tool for wealth creation--but only if you allow the money to grow and aren't making withdrawals for income purposes. Mindset #3 - Fee anchoring. What is a fee anchor? It's the amount someone has in their mind for what they should pay for financial related advice. When considering a fee for an advisor, it's important to understand that it's less about the fee and more about what you're getting in return. A fee is only an issue when there is a vacuum of value. For Brian, if you try to get an advisor to cut their fees, the more experienced and valued advisors will not take you as a client. Brian explains why finding the right advisor can be invaluable, especially when it comes to navigating complex financial products like annuities, private markets, or selling a business. Fees are important and you should understand them, but Brian encourages people to not use them as the primary consideration for making a decision.   Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. The views and opinions expressed here are those of the authors and do not necessarily reflect the official policy or position of Madison Avenue Securities, LLC This material contains forward looking statements. Forward looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.  Actual future results and trends may differ materially from what is forecast. Investing involves risk including the potential loss of principal. Consider your risk tolerance and specific situation before investing. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Carefully read all of the relevant investment product's offering documents and information before investing. Seriously consider investment suitability by referencing your financial position, investment objectives, and risks profile before making any investment decision. Annuity guarantees rely on financial strength and claims-paying ability of issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier.   Annuities are not FDIC insured.

This episode features an inspiring conversation between Libby and advisor Eva Stukenberg, who shares her journey from feeling stuck on the hamster wheel to building a thriving, intentional, 5X-growth practice. Eva opens up about the small shifts that created massive momentum, the mindset work that changed everything, and the systems that transformed her team, her client experience, and her quality of life. This episode is packed with practical insights for any advisor ready to move from reactive to proactive, from overwhelmed to organized, and from doing everything to doing only what matters most.

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns. To win a horse race, you need a fast horse and a good rider. The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.   The Index Performance Report shows the 1, 5, and 10-year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single-digit returns, while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns.  Index returns are not typically public information. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware that this info is available. Without the index return history, the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing. Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

In this episode of Retire Fit Radio, Nathan Fort discusses the importance of retirement savings and common missteps that can hinder financial security. He emphasizes the need for early planning, understanding cash flow, and the impact of unexpected windfalls on retirement strategies. The conversation also covers the significance of having a clear financial plan to navigate market volatility and the role of annuities in retirement income. Listeners are encouraged to seek professional guidance to enhance their financial clarity and confidence. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

In today's episode, we'll discuss: Year-end processing doesn't have to feel like an annual stress cycle. In this episode, you'll learn five simple strategies to make December smoother, more predictable, and far less overwhelming

Understanding F&G's Safe Income Advantage and Performance Pro Annuities | Webinar with Casey Sledge In this comprehensive webinar, Casey Sledge, an internal wholesaler at F&G, delves into the key features and benefits of two top-selling products: the Safe Income Advantage and the Performance Pro. Casey provides detailed insights into case design, financial strength, and bonus programs, alongside emphasizing the importance of financial strength for insurers. He also covers crucial survey findings about retirement trends and client financial concerns. Additionally, the webinar explains how these products cater to pre-retirees, details on payout options, and the advantages of annuities in financial planning. Casey wraps up by exploring the diversification strategies and resources available through F&G to assist agents in making informed decisions. The session concludes with a Q&A, addressing various participant queries related to product features, client suitability, and other related topics. 

In this episode, The Annuity Man discussed:  Prioritizing safety and guarantees Selling only contractual commitments Using PILL to guide purpose   Key Takeaways:  Annuities should focus on protecting principal and providing a reliable income. Strong insurance carrier backing ensures certainty and reduces risk. Avoiding speculative products maintains financial security for clients. Only offer annuities with contractual guarantees, not hypothetical promises. Market-based growth claims are often unrealistic and misleading. Contractual commitments provide clarity and protect client interests. PILL stands for principal protection, income for life, legacy, and long-term care. This framework aligns annuities with client goals and priorities. It provides a clear structure for evaluating annuity suitability.   "With annuities, you're transferring the risk to the life insurance company that issues the annuity." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 12/6/25 – HERO’S Talk Radio Read More » The post 12/6/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Welcome back to the show where we help financial advisors build efficient, profitable, and deeply human advisory firms. In this episode, Libby dives into the heart of creating a scalable and sustainable client service model. She breaks down the mindset shifts advisors need, the math behind revenue per hour, how to segment your book intentionally, and why aligning your service model with profitability is the key to delivering exceptional client experiences. This is a thoughtful, practical, and empowering conversation to help you reshape your ongoing service in a way that benefits you, your team, and your clients.What you'll learn in this episode: • Why advisors struggle with mental blocks around pricing, fees, and client segmentation  • How to calculate your true revenue per hour and use it to make better capacity decisions • A step-by-step process for segmenting clients and defining aligned service levels • How to avoid client subsidization and ensure each household is serviced profitably • Ways to right-size service for clients who don't meet your hourly rate, without sacrificing care or professionalism As Libby walks through each step, you'll gain clarity, confidence, and a practical roadmap to redesign your client service model so you can serve clients exceptionally well without overwhelming your team. This episode will help you work smarter, stay focused on what matters, and build a practice you love managing every single day ✨.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Is your retirement plan built on myths that could cost you? This episode of Beyond The Money tackles common misconceptions about income, taxes, and annuities, revealing why sustainable planning matters more than chasing big returns. Host Jackie Campbell and the team at Campbell and Company break down how your financial history shapes your future, why tax surprises happen in retirement, and how annuities can provide stability—if you understand the details. Discover why your plan should evolve with your life, not just your assets. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

In case you missed it, I have decided to circle back to one of my Fun With Annuities episodes that just cannot be missed. This one has annuity gold, and it is definitely a must-listen.     In this episode, The Annuity Man and Moshe Milevsky discuss:  The problem with annuities  What's a tontine?  How income increases with tontines  The gap between healthspan and lifespan   Key Takeaways:  The point of annuities is to generate a predictable income even when you can no longer make decisions yourself due to cognitive decline. That's why agents have to make sure the clients understand and continue to understand what they are buying and what contractual guarantees they have in place.  A tontine is one of the many strategies people use to finance themselves in retirement, in which the longest-living people get the most income, while the people who didn't live a long time get a smaller amount of income. Tontines increase the income for all living people involved as time passes because the same income amount is being split within a group that gets smaller as members pass away. The mortality rate becomes a real interest rate - this is most interesting in the current inflationary times.  Money alone doesn't solve your problems; just throwing money at a problem won't make it go away. You need to do something with it to solve your problems, and one of the biggest problems in aging is the gap between health span and lifespan.    "When you have a product that is meant to help people that are eventually going to cognitively decline, there's a higher burden of care there because you got to make sure that they understand what they're buying and they continue to understand what they're buying." —  Moshe Milevsky    Connect with Moshe Milevsky: Website: https://moshemilevsky.com/    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! 

In this quick episode, you'll learn a simple but powerful tool advisors can use to maintain strong boundaries, protect their time, and still deliver a seamless client experience. We explore why scheduled send and delay delivery matter, how they shape client expectations, and how they support the structure of your Model Week.

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, … 11/29/25 – HERO’S Talk Radio Read More » The post 11/29/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Barry James Dyke is President of Castle Asset Management, a fiduciary advisory firm known for holistic, macroeconomic planning. With over 40 years of experience, Barry is a bold, contrarian voice in finance, exposing Wall Street's hidden risks and advocating for safer, long-term income strategies. He is the bestselling author of The Pirates of Manhattan and has been featured in major media and financial documentaries. Barry's research-backed, client-first approach helps individuals take control of their financial future with clarity, truth, and transparency. https://www.seniorcareauthority.com/resources/boomers-today/

Key Topics Covered:1. What Changes in April 2027Unused pensions will count towards inheritance tax.Anything above the tax-free limit may be taxed at 40%.More families will be affected due to frozen allowances.2. Executors, Lost Pensions and Hidden TrapsNew burdens and risks for executors who must locate and report all pensions.The scale of “lost pensions” and how to track them down.When to consider consolidating multiple pots and when to seek advice.3. Income vs Capital and Smart GiftingIHT as a tax on capital, not income.Annual allowances, the 7‑year rule and “gifts with reservation”.How gifts out of surplus income can be unlimited and IHT‑free if well documented.4. Pensions, Annuities and Who's AffectedWhich pensions are not treated as capital (state, final salary, annuities).Which are caught by the new rules (personal pensions, SIPPs, SSAS, DC workplace schemes).Pros and cons of using annuities to swap capital for income.5. SSAS Pensions and Multi‑Generational PlanningWhat a SSAS is and who can qualify (limited company owners).Using SSAS to consolidate pots, invest entrepreneurially and involve adult children.Strategies like contributions for children, earmarking and loanback to shift value down the bloodline.6. Life Cover, Wills and the Family Wealth FortressWhy life insurance should be written in trust to avoid swelling your estate.Using whole‑of‑life, second‑death cover to fund an inevitable IHT bill.The basics everyone should have in place: will, LPAs, and an annual “estate stock take”.Actionable Takeaways:Assume the 2027 rules will affect you if you have pensions and other assets – start planning now.Calculate your current estate and repeat annually to see how close you are to IHT thresholds.Trace and tidy up old pensions; don't leave a mess for your executors.Learn the difference between gifting capital and gifting surplus income – and document income gifts carefully.Review life cover and trusts; consider SSAS if you're a business owner wanting to build and pass on wealth efficiently.Resources & Next Steps:Join the Waitlist and Get Your Free Inheritance Tax & Pensions Guide - Be the first to receive this essential guide as soon as it's readyWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Are hidden fees quietly draining your retirement savings? Dive into the latest episode of Your Retirement Radio Podcast, where Kevin Madden breaks down alternative investment strategies, the impact of interest rates, and the crucial importance of having a personalized retirement roadmap. Learn how to spot costly pitfalls, maximize guaranteed income, and make informed decisions about your 401k, annuities, and more—without steering blind into 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.

Are your retirement plans built on optimism or reality? Dive into the surprising gap between when people expect to retire and when they actually do. Host Steve Anzuoni explores the real-world factors—health, family, finances, and routines—that can upend even the best-laid plans. Learn why flexibility and regular financial check-ins are crucial, and discover how assigning purpose to your money can help you retire with confidence. This episode is packed with relatable stories, expert advice, and practical strategies for navigating retirement’s unexpected turns. 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.

In this episode, I sit down with Todd Pisarczyk of Momentus Wealth Management to unpack what it really looks like to go from a great advisory practice to a truly scalable, CEO-led firm. Todd shares the behind-the-scenes shifts, the unexpected realizations, and the tangible systems he built through coaching that helped him move from “doing all the things” to running a business with clarity, confidence, and a long-term vision. From refining processes to elevating the client experience, this conversation is packed with real advisor wins and practical inspiration. In this episode you'll learn: • Why even successful advisors hit a wall when their practice starts feeling like a “real business” • How documenting processes changed the game for Todd's team of eight and created repeatability for the next generation • The planning, tax, and client-experience upgrades that now keep almost every client showing up for reviews • How shifting into the CEO role brought Todd clarity, confidence, and a bigger mission for his firm • Why group coaching amplified his growth far beyond what he expectedTodd's story is an amazing reminder that growth doesn't require being a “hot mess.” Sometimes the biggest leaps come from refining what's already working, creating structure around what's been living in your head, and surrounding yourself with advisors who are building remarkable businesses too. His journey shows what's possible when you finally step into the CEO seat, create repeatable systems, and elevate your client experience with intention.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Are annuities the missing piece in your retirement income puzzle? Frank and Frankie Guida break down the pros and cons of annuities, how they compare to traditional pensions, and strategies for bridging income gaps in retirement. Learn how flexibility, guaranteed income, and personalized planning can help you navigate the transition from paycheck to retirement. Real-life examples illustrate how annuities can fit into a broader financial strategy, ensuring your income keeps pace with inflation and changing needs. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

What if your retirement income could be as reliable as your old paycheck? Ryan Herbert dives into the real-world confusion around TIAA accounts, annuities, and the strategies that can turn your nest egg into a steady stream of income. He breaks down the pros and cons of annuities, the risks of relying solely on the market, and why true retirement planning means more than just picking investments... It’s about creating confidence, flexibility, and a plan that lets you enjoy life without outliving your money. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

In this episode of the 7-Figure Annuity Sales podcast, Caleb North reveals three key questions that can transform your client appointments and boost annuity sales. Learn how to uncover client needs, set realistic expectations, and position the right solutions. Plus, get a sneak peek at upcoming training to accelerate your success. Don't miss these actionable tips to elevate your business!

Keith Golembiewski, AVP, director, annuity research, LIMRA, discusses 2025 growth in registered index-linked and variable annuities, driven by market volatility and guaranteed income demand, with overall annuity sales projected over $450 billion.

In this episode, you'll learn how to create a simple, high-value year-end tax letter that makes tax season easier for your clients, their CPAs, and your team. You'll hear what to include, how to frame it as a value-add, and how to streamline the process so it becomes a repeatable system instead of a stressful scramble.We cover suggested sections for your letter, how to reinforce the behind-the-scenes work you do all year, and a practical workflow to prepare these summaries for your best clients. This episode helps you elevate your client experience, strengthen your CPA relationships, and clearly communicate the value of your planning expertise.I hope you enjoy this new format and I look forward to delivering super fast tips & tricks with you! You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

In this episode, The Annuity Man discussed:  What does "zero is your hero" mean Dirty tactics that agents use to sell annuities  A more rational alternative to the CD product  Zero is not your hero    Key Takeaways:  The phrase "zero is your hero" means that when the market goes down, you will not lose any money. In this world that we live in, you should always be getting some interest on your money.  Be wary of these two dirty tactics agents use to sell annuities: back-tested numbers and upfront bonuses. Don't base your decision on the past; base it on the future. Don't buy a product for the upfront bonus. Also, there's no such thing as a "market upside with no downside."  Instead of buying a product where you're locked in for seven to ten years, why not buy a MYGA? It's a CD product where you can lock in on shorter terms of one, two, three, four, or five years.  Zero is not your hero. If zero is your hero, you might as well dig a hole and put all your money in it. If anyone tells you that zero is your hero, just tell them to shut up. Be rational, don't buy the dream.    "Zero is not your hero. We are in inflationary times. I don't care if we're in inflationary times or not; you need your money to grow. 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!

Creating a business you love doesn't have to be a fantasy, and in this episode, Libby brings back her best friend and long-time advisor Jen for a real, transparent look at what it takes to reclaim your time, refine your systems, and run a thriving advisory firm with intention.

This episode dives into overcoming setbacks in annuity sales, the power of mindset, and how appointment setters can transform your business. Get real strategies for handling lost deals, tracking leads, and thriving in a changing market. Don't miss these actionable insights!

We will look into a plain-English guide on how annuities work, from fixed to variable and indexed options, plus fees and guarantees to watch.Today's Stocks & Topics: Trex Company, Inc. (TREX), Devon Energy Corporation (DVN), Market Wrap, Annuities Demystified: Types, Payouts, and Trade-Offs, Southern Copper Corporation (SCCO), Dow Inc. (DOW), Cognizant Technology Solutions Corporation (CTSH), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, China's Gold, Young Investor Looking for Advised, The Brink's Company (BCO), Tyson Foods, Inc. (TSN), Roche Holding AG (RHHBY), Stocks Are Falling.Our Sponsors:* Check out Gusto: https://gusto.com/investtalk* Check out Invest529: https://www.invest529.com* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules at FRA, estate planning organization systems, and restrictions for annuity payments. (15:30) Georgette shares a PSA about the Social Security application process and asks whether applying for benefits to start the month she […] The post Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546 appeared first on The Retirement and IRA Show.

Ever stop to think how one small word can change the entire vibe of your business? In this episode, Libby breaks down why saying “s—--” might be holding you back — and how a simple language shift can transform how clients see your firm and how your team sees themselves.You'll learn how swapping your language builds confidence, strengthens culture, and positions your practice as a cohesive, professional unit.

This episode of That Annuity Show brings together Paul Tyler, Bruno Caron, Tom Buckingham, James Wong and featured guest David Novak, CEO and Founder, Annuities Genius for a candid discussion on the intersection of AI and annuities. From conference insights to next-generation tools, they delve into how technology is reshaping client engagement, driving operational efficiency, and setting the stage for the industry's next wave of innovation. Learn more at www.thatannuityshow.com

Don and Tom question a surprising Wall Street Journal column arguing that annuities should become the default option in 401(k) plans. They explore why the idea is gaining traction, where the logic breaks down, and how the insurance industry benefits when complexity outpaces understanding. Along the way, they dig into the real shortcomings of annuities—fees, opacity, inflation risk, liquidity traps—and why “guarantees” often mask the true cost. Listener questions follow, covering tax-efficient stock cleanup at Schwab, spouse disagreements over individual stock picking, automatic ETF withdrawals at Vanguard, and building Dimensional portfolios inside Aspire plans. 0:04 Don's rant: “What the world needs now is… more annuities?” 1:20 WSJ's argument: make annuities the 401(k) default 2:05 Why income complexity doesn't justify default annuities 3:01 Do annuities actually solve longevity risk? 3:29 Inflation, joint-life costs, and who really wins 4:20 Insurance industry reputation and the unanswered criticisms 5:15 High fees, opacity, and why mistrust is earned 5:59 Are annuity sales tactics the real barrier? 7:02 Should annuities be in 401(k)s at all? Don vs. Tom 7:36 Why annuities are mostly sold, not bought 9:10 Liquidity traps and major-life-event risks 10:01 Why “plans” matter more than “products” 10:57 Listener questions: why nobody calls anymore 11:14 Q1: Selling a brokerage full of individual stocks at Schwab 12:46 Q1b: How to convince a spouse who loves stock picking 14:21 Indexing vs. anecdotal evidence 16:21 SPIVA data and why active managers lose 17:02 Q2: Can Vanguard automate ETF withdrawals? 19:05 Fractional shares and why purchases are allowed 20:25 Q3: Aspire 403(b) options and DFA overload 23:46 How many DFA funds do you really need? 24:44 Micro-cap risks and portfolio sprawl 25:42 Tom's pumpkin-patch grandkid cameo Learn more about your ad choices. Visit megaphone.fm/adchoices

Here's a question: If everyone's buying annuities right now, does that mean you should too? Joe Saul-Sehy, OG, and Neighbor Doug tackle that exact question in this week's episode—but first, they're starting with the basics. Because before you can figure out complex financial products, you need to nail the fundamentals. And who better to teach them than Karen Holland, founder of Gifting Sense, who's made it her mission to help kids (and their parents) understand money in ways that actually stick. Karen breaks down how to teach the next generation about "need vs. want," why middle schoolers need to understand the real cost of "cool," and how financial literacy can be empowering instead of intimidating. Whether you've got kids or just want a refresher on the money basics you wish someone had taught you, this conversation is the reset button you didn't know you needed. Then things get timely: annuity sales are booming, and everyone's suddenly got an opinion. But are annuities the safe harbor they're marketed as, or just another way to lock up your money with fees you don't understand? Joe and OG cut through the sales pitch to help you figure out when annuities make sense—and when you're better off walking away. Plus: Doug delivers "life-changing" trivia (his words), there's an iHeart Music Festival giveaway tied to financial literacy, and you'll get your weekly dose of basement wisdom served with laughs. What You'll Walk Away With: • Karen Holland's framework for teaching kids financial literacy that actually changes behavior (not just lectures that go in one ear and out the other) • Why annuity sales are exploding right now—and the questions you MUST ask before signing anything • The difference between annuities that solve real problems and annuities that just create expensive ones • Financial habits that work at any age—whether you're teaching a 12-year-old or retraining yourself • How supporting financial education can score you iHeart Music Festival tickets (because doing good shouldn't be boring) This Episode Is For You If: • You want to teach kids about money but don't know where to start (or worry you'll mess it up) • Someone's pitched you an annuity and you're not sure if it's brilliant or a trap • You've heard annuities are "safe" but want to understand what you're actually giving up • You believe financial literacy is a gift worth giving—to your kids, your community, or yourself • You want money advice that doesn't talk down to you or assume you already know everything FULL SHOW NOTES: https://stackingbenjamins.com/raising-money-for-financial-literacy-1757 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Your 401k isn't enough. Here's the brutal truth: 57% of Americans won't retire comfortably. The average 401k balance at 65? Just $95,000. But you need $1.5M.Today I'm exposing the 401k trap and showing you the EXACT vehicles millionaires use to build real wealth. This isn't theory—this is the math, the mindset, and the moves you need right now.