Podcasts about spia

Why do so many retirees struggle to spend money they've spent decades saving? Don and Tom explore the psychology behind retirement spending, including the fear of running out of money, the reluctance to touch principal, and how guaranteed income sources like Social Security, pensions, and even simple immediate annuities can make retirees more comfortable enjoying their wealth. They discuss practical strategies for creating spending confidence, the importance of comprehensive retirement planning, and why delaying meaningful experiences can be riskier than spending. The episode also answers a listener question about setting up a Roth IRA for a teenager and examines the latest uncertainty surrounding 529-to-Roth transfers.0:05 Introduction: Why retirees struggle to spend money they can afford to spend1:36 Fear of running out versus fear of missing out in retirement2:52 Why even millionaires worry about spending their savings3:51 The saver mentality and the challenge of switching to spending mode4:47 Research shows many retirees barely touch their nest eggs5:29 YOLO, aging, and the reality of declining mobility later in life6:02 Why retirees prefer spending Social Security, dividends, and interest over principal8:04 Travel, aging, and the danger of postponing experiences8:49 Creating confidence through retirement planning9:56 Using Social Security and RMDs to cover essential expenses10:12 Flexible withdrawal strategies for retirement spending11:39 Could a simple immediate annuity help retirees spend more confidently?12:42 Healthcare costs, aging, and changing spending patterns13:30 Recency bias and how it distorts retirement decisions14:48 Why lifelong savers have trouble becoming spenders16:27 Summer slowdown and a request for more listener questions17:58 Listener question: Setting up a Roth IRA for a 19-year-old daughter19:16 Evaluating Avantis ETFs and M1 Finance for a young investor19:48 Why a single-fund solution may be better for small accounts20:56 The importance of emerging markets exposure22:40 Understanding 529-to-Roth IRA transfer rules24:33 The unanswered question of beneficiary changes and the 15-year ruleQuestions? Comments? Click!

In this episode we answer emails from Michael, Raphy, and Roman.  We discuss using a short-term SPIA as a bridge before Social Security and why it probably doesn't matter one way or the other if you are even a little over-saved, and how much flexibility a well-funded risk parity portfolio can really provide. We also tackle covered calls, dividend and income fund hype, and why portfolio design starts with asset classes, taxes, and drawdown tolerance rather than chasing tickers.  We also discuss the real differences between more and less aggressive risk parity style portfolio on an efficient frontier.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterBen Felix on Covered Calls (one of several videos):  Covered Calls: What People (Still) Get WrongComparison of ADX with Common Index Funds:  Asset Analyzer for ETFs, Stocks, and Funds | testfolioBen Felix on Dividend Investing:  The Irrelevance of DividendsAfford Anything Episode #618:  They Ran Out of Money. I Didn't. Here's Why.Afford Anything Risk Parity Portfolio Blueprint:  Afford Anything frank-vasquez-risk-parity-portfolio-BluePrint.pdf - Google DriveComparison of Golden Butterfly and Roman's Modification:  Portfolio Backtester for ETFs and Asset Allocation | testfolioBreathless Unedited AI-Bot Summary:A five-year annuity that throws off real cash flow can look almost too good to be true, especially when you're trying to retire before Social Security and Medicare. We dig into a listener's plan to leave IT at 55 with a $175,000 budget and a risk parity style portfolio, then pressure-test the idea of using a short-term period-certain SPIA as a “pension bridge” to reduce early sequence of returns stress. The big lens we keep coming back to is proportionality: if the annuity is under 10% of the portfolio, it behaves a lot like a cash pile, CD ladder, or bond ladder and may not meaningfully change the long-run plan, but it can change how you sleep at night.From there, we shift into options and “extra income” strategies. We break down why covered calls often cap upside and can reduce long-term total return, and we draw a bright line between that and riskier approaches like selling puts, where rare crashes can cause huge losses. If you're going to trade at all in retirement accounts, we argue for a simple discipline: don't obsess over what you might make, calculate what you could lose, then size it so it can't wreck your lifestyle.We also take on dividend-focused closed-end funds and the lure of shiny tickers. The message is blunt: the first word after income is taxes, and good retirement investing starts with asset classes, tax location, and drawdown tolerance, not fund-of-the-week marketing. We close with a listener's Golden Butterfly tweaks and what higher withdrawal rates really cost in drawdowns and ulcer index stress. Subscribe, share this with a friend planning early retirement, and leave a review with your biggest question about bridging the years before Social Security.Support the show

If you own a multi-year guarantee annuity (MYGA) or are thinking about buying one, this episode could save you from a costly mistake. Discover why annuitizing a MYGA internally is rarely in your best interest—and how a simple MYGA-to-SPIA strategy can unlock the highest contractual guarantees for your retirement income.    In this episode, The Annuity Man discussed:  Definition and purpose of a MYGA (multi-year guarantee annuity) Why internal annuitization quotes are usually uncompetitive The MYGA-to-SPIA strategy using a 1035 exchange Focusing on contractual guarantees over brands and brochures Using an independent quoting process across all carriers   Key Takeaways:  A MYGA is best used as a principal protection tool with a guaranteed interest rate, not as a product you annuitize internally for lifetime income. Internal annuitization quotes from MYGA and other deferred annuity carriers are typically uncompetitive compared to independently quoted single premium immediate annuities. A MYGA-to-SPIA approach—using a 1035 exchange to move from a matured MYGA into the highest paying immediate annuity—can help secure superior lifetime income guarantees. The smartest annuity decisions are made by focusing on contractual guarantees instead of company names, product labels, or glossy marketing materials. Relying on a broad, apples-to-apples quote across highly rated carriers helps avoid lazy or biased recommendations that may cost you long-term income.   "With annuities, you're buying it for the contractual guarantees. Period." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Secondo episodio del MATEdì. Si parla dell'origine dei numeri, di come sono cambiati nel tempo e di come alcuni numeri siano di fatto delle lettere.Per chi volesse info sul libro “L'atomo sfuggente” questo è il link al sito della casa editrice: https://www.mondadori.it/libri/latomo-sfuggente-alan-zamboni/Il romanzo è disponibile in tutte le librerie e gli store onlinePer sostenerci: https://associazioneatelier.it/Per sostenere il progetto dedicato alla scienza a Parigi:https://associazioneatelier.it/in10cities/Per contatti: associazioneatelier@gmail.comPer donare ad Atelier APS (iscritta al RUNTS - terzo settore) il 5 per mille: CF = 98181440177Sound design: Matteo D'Alessandro (https://www.matteodalessandro.com)

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

Jim and Chris discuss listener emails on whether Social Security should be compared to an annuity, Rule of 55 distribution rules, using period-certain annuities during the delay period, QLAC timing and taxes, and using a SPIA for Minimum Dignity Floor coverage. (5:20) The guys address a listener's objection to describing Social Security as an annuity and whether that comparison is accurate. (32:00) A listener seeks clarification on Rule of 55 distributions after receiving conflicting information about whether plan-specific rules matter. (38:45) Georgette asks whether a 10-year period before her mortgage is paid off can be treated like a delay period and covered with a period-certain annuity. (51:30) Jim and Chris answer a question about whether QLACs can be purchased for a spouse from an IRA, how QLAC timing can be structured, and how payments are taxed. (1:13:45) George wonders whether relying on excess RMDs or purchasing a qualified second-and-survivor SPIA from IRA funds is a better way to support long-term MDF coverage. The post Social Security, Rule of 55, QLAC Timing, SPIAs: Q&A #2623 appeared first on The Retirement and IRA Show.

L'incredibile biografia di Sir Christopher Lee, il Dracula più Dracula di tutti, attore, cantante, e spia col padre di James Bond, cugino di Winston Churchill, amico dell'assassino di Rasputin e chissà, forse davvero vampiro (27 maggio 1922 – 7 giugno 2015).See omnystudio.com/listener for privacy information.

Don and Tom take aim at the booming annuity industry, arguing that most annuities are sold through fear, confusion, and unrealistic promises rather than honest financial planning. They explain why indexed annuities are especially problematic, why annuities should be viewed strictly as income tools rather than investments, and how even “good” annuities often return your own money back to you first. The episode also covers smarter retirement income strategies, including maximizing Social Security benefits, plus listener questions on “Trump accounts” and youth retirement accounts, taxable investing with DFAW vs. VT, factor investing, and whether U.S. government bonds remain safe despite soaring national debt. Along the way, the hosts detour into a spirited discussion about Pacific Northwest town pronunciations and Sacagawea.0:14 Why annuities are booming as baby boomers retire0:38 The illusion of “market returns with no risk”2:11 How annuities are actually sold through fear and seminars3:22 Why annuities should be viewed as income products, not investments4:17 Immediate vs. deferred vs. variable vs. indexed annuities5:03 Indexed annuities and the “no risk, stock market returns” pitch5:36 What people really want from annuities: guaranteed income6:17 Liquidity, guarantees, and the hidden costs of annuities6:50 Why single premium immediate annuities can disappoint7:29 How SPIAs often return your own principal first8:03 Inflation riders, survivor benefits, and reduced payouts9:13 Longevity fears and unrealistic retirement assumptions9:47 Social Security as the best inflation-adjusted annuity most people underuse10:13 How to submit questions to Talking Real Money10:45 Listener question: “Trump accounts” and YRAs explained11:57 Why YRAs are not especially tax-advantaged12:40 529 plans vs. youth retirement accounts14:25 Listener question: DFAW vs. VT in taxable accounts15:47 Foreign tax credits and overthinking portfolio optimization16:17 Factor investing, Dimensional, Avantis, and small value tilts17:38 Listener question: Are U.S. bonds safe with $39 trillion in debt?18:31 Why U.S. Treasury bonds remain highly secure19:10 Who actually owns most U.S. government debt20:36 The origin and pronunciation battle over Sedro-Woolley21:33 Lewis and Clark, Sacagawea, and Pacific Northwest pronunciationsQuestions? Comments? Click!

Annuities promise peace of mind—but often at a steep and poorly understood cost. Don and Tom break down when (rarely) annuities might make sense, why most—including fixed indexed annuities and QLACs—tilt heavily in favor of the insurance company, and how investors can replicate “guaranteed income” with a disciplined portfolio instead. They also take on a listener question about escaping high fees at Edward Jones (spoiler: yes, run) and dismantle a pitch for a Bitcoin-backed “bond alternative,” explaining why high yields usually signal high risk—and why crypto still fails the basic test of having a rational investment purpose.0:11 Questionable motives behind much of today's investing advice0:50 Why annuities appeal—turning savings into a “personal pension”2:09 The illusion of annuity “returns” vs. reality of payouts4:08 Where annuity decisions get complicated—and costly5:21 Why using IRA money for annuities often makes little sense5:50 QLACs explained—and the uncomfortable truth about dying early7:37 The only annuity worth considering: SPIA (and its trade-offs)8:38 QLAC math vs. simple investing—who really wins10:33 The hidden downsides: illiquidity, opacity, and insurer risk11:16 Where (and how) to actually shop for annuities safely14:05 Why indexed annuities dominate—and why that's a red flag15:42 The myth of “market returns without risk”16:45 Building your own income stream without annuities18:47 Listener: escaping high fees at Edward Jones20:09 Simple, low-cost portfolio solutions for a 30-year-old23:08 Listener: Bitcoin-backed “bond replacement” pitch25:11 Why high yields (11%+) scream risk, not safety27:06 The danger of replacing bonds with speculative assets28:59 Final blunt take: crypto as an investment “has no there there”Questions? Comments? Click!

LinkedIn raccoglie segretamente dati sensibili ogni volta che ci colleghiamo.  Perché? Cosa ci fa? A chi li rivende? È ora dif ar capire a Big Tech che non può fare quel che vuole.Link alle fonti:LinkedIn che profila gli utenti in modo illecitoMicrosoft e Anthropic che, in una pausa dallo hype incessante sulle meraviglie future dell'AI, scrivono nei termini d'uso che i loro modelli linguistici sono "solo per intrattenimento"il sistema della cosiddetta "pubblicità profilata" riciclato come strumento di sorveglianza che erode ogni garanzia costituzionalechatGPT, che come tutti i modelli linguistici non sa fare di conto, usato dal Dipartimento della Difesa statunitense nell'analisi dei dati di test nucleariopenAI che supporta una proposta di legge per limitare la responsabilità in caso di disastri finanziari o morti di massa resi possibili dall'IA.

Adattamento audio: Matteo D'Alessandro - www.matteodalessandro.com Per approfondire gli argomenti della puntata: Altre pillole dal 45 a oggi : https://www.youtube.com/watch?v=gNGzCF04vi4&list=PLpMrMjMIcOkkDwQQVtLtYa1BczFWc-R5f&index=1&ab_channel=LaBibliotecadiAlessandria Learn more about your ad choices. Visit megaphone.fm/adchoices

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________Hans brings back Travis McBride, a former helicopter pilot turned annuity and long-term care specialist, to walk through the entire annuity landscape. They start with the basics: what an annuity actually is, why only life insurance companies can offer them properly, and how the math of mortality pooling works in your favor when structured right. Then they get into the different flavors, from MYGAs to SPIAs to fixed index annuities with income riders, and make the case that right now, with rates still elevated, the payout environment is as strong as it's been in decades. The episode closes with a conversation about annuity audits and why anyone with an existing policy bought in a low-rate environment could be leaving thousands of dollars of guaranteed income on the table every single year.Chapters: 00:00 - Opening segment02:15 - Introduction to Travis04:00 - Why annuities have a bad reputation and who benefits from that narrative 07:30 - What is an annuity? The fifth grade explanation 11:00 - Why only life insurance companies offer annuities 13:30 - The quarter million dollar example and how mortality pooling works 18:30 - The 4% safe withdrawal rule and why Hans doesn't trust it 22:00 - Sequence of return risk: why the order of returns breaks retirement plans 24:00 - Interest rates and why annuity payouts are at historic highs right now 27:30 - Quality capital vs. quantity capital: where annuities fit 33:00 - The VA disability claim is worth $2.5 million in annuity terms 38:00 - Types of annuities: MYGA, SPIA, DIA, and fixed index with income rider 45:00 - How annuity taxation actually works (and why it's complicated) 49:00 - The annuity audit: what it is and why your existing policy may be underperforming 55:00 - Real example: $21,000 guaranteed income upgraded to $28,500 at no cost 58:00 - The bond mentality shift: certainty vs. trading 1:01:30 - Who should consider an annuity and at what age 1:04:30 - How annuities fit into the protect, save, growth framework 1:07:00 - Closing segmentKey Takeaways:Not every dollar's job is to maximize returns. Hans and Travis open with a framework that should reframe how you think about your whole strategy. Some capital is there for quantity, your retirement accounts chasing growth to overcome decades of illiquidity. Other capital is there for quality: certainty, guarantees, income you can build a life around. The 4% safe withdrawal rule has a fatal flaw almost nobody talks about. The Trinity study that produced that number looked at 30-year market windows. If you reverse the order of those same returns, the same person runs out of money in year 13. Sequence of return risk is the silent retirement killer. If the market drops in your first few years of retirement while you're withdrawing income, those early losses compound in reverse and permanently damage your long-term plan. Annuity payout rates are tied to prevailing interest rates, and right now those rates are near recent highs. That means the guaranteed income you can lock in today is significantly better than what was available in 2020 when rates were scraping the bottom. 

If you own a multi-year guarantee annuity that's approaching maturity, your first instinct might be to just let it auto renew. That's worth a second look. The company that offered the best rate when you bought your MYGA is rarely the most competitive option when renewal time comes around. MYGA interest rates shift frequently — sometimes week to week. A renewal rate that's even one percent lower than what's currently available on the market can cost you real money over the next term. Shopping around before your guaranteed period ends is one of the simplest ways to make sure your money is still working as hard as it can. You also have options beyond just rolling into another MYGA. A 1035 exchange lets you move your funds tax-free into a different annuity — whether that's a new MYGA with a better rate, a fixed indexed annuity, or a SPIA that lets you start taking income with a favorable tax treatment through the exclusion ratio. None of these moves require you to recognize the gain you've been deferring. ____________________________ If your MYGA is maturing soon — or you're just starting to think about buying one — it's worth understanding all of your options before the renewal window closes. Schedule a call and we can walk you through what's available right now.

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by laying out what annuities actually are, clearly separating fixed annuities from their variable cousins, and explaining why high fees, capped upside, illiquidity, and poor expected returns make most annuity products deeply unattractive. From there, Jesse zeroes in on the one annuity type he considers intellectually defensible in narrow circumstances: the single premium immediate annuity (SPIA), framing it not as an investment but as insurance against longevity and sequence-of-returns risk. The heart of the episode introduces the concept of ergodicity and uses vivid examples to show how retirement planning is fundamentally non-ergodic, dominated by tail risks, bad timing, and one irreversible life path. Through this lens, annuities are reframed as a tradeoff: a high probability of modest financial loss in exchange for protection against a low-probability but catastrophic retirement failure. Jesse closes by emphasizing that annuities, when used correctly, dull both the upside and the downside—reducing the chance of ruin at the cost of lower lifetime wealth—and that whether that trade is worth making depends not on averages or rules of thumb, but on an individual's specific risks, values, and tolerance for uncertainty. Key Takeaways: • Most annuities are expensive, illiquid, and poorly designed. Annuities are insurance products, not investments. • SPIAs are the simplest and most transparent annuity structure. SPIAs insure against longevity and sequence-of-returns risk. • Retirement planning is a non-ergodic problem. Average outcomes do not reflect individual retiree experiences. • Monte Carlo averages can hide catastrophic failures. • Annuities pool longevity risk across many people. Most annuity buyers will "lose" financially on average. • The annuity decision is a personal risk-management choice, not a math trick. Key Timestamps: (01:39) – Diving into Annuities (07:39) – Understanding Variable and Fixed Annuities (15:38) – Risks and Protections of Annuities (19:58) – Single Premium Immediate Annuities (SPIAs) (26:24) – Understanding Ergodic Systems (30:36) – The 4% Rule and Sequence of Returns (34:44) – Tail Risks and Longevity in Retirement (46:52) – The Role of Annuities in Retirement Planning Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.fortunesandfrictions.com/post/one-in-a-quadrillion https://bestinterest.blog/e127/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

L'intelligence italiana è alla ricerca di nuovi 007: chiediamo agli ascoltatori di autocandidarsi, magari con un pizzico di autoironia. Chi avrà i requisiti giusti?

Jim and Chris discuss listener emails on Social Security timing for HSA contributions, investing in a SPIA vs buffered ETFs, and using SEPP 72(t) income to manage ACA credits.(7:00) A listener describes delaying a Social Security filing to avoid Medicare Part A backdating that would have reduced prior-year HSA contributions, while still receiving full retroactive benefits.(28:00) Georgette asks what to do with money originally set aside for a condo purchase, weighing ETFs against buying a single premium immediate annuity (SPIA), given an existing fixed indexed annuity (FIA), and pension income that cover living expenses.(55:45) The guys address whether a SPIA purchased inside a rollover IRA can be used to satisfy SEPP 72(t) rules while keeping income low enough to preserve max ACA credits. The post Social Security, SPIAs, SEPP 72(t): Q&A #2605 appeared first on The Retirement and IRA Show.

Un presunto “software spia” installato nei computer del Ministero della Giustizia, che evoca l'idea che il governo possa controllare i magistrati. Nel mirino finisce Microsoft SCCM/ECM, usato per gestire e aggiornare migliaia di PC. La vicenda esplode ora perché viene letta come scontro istituzionale: Nordio, magistratura, politica e media dentro lo stesso tritacarne.Cosa c'è di tecnico e cosa invece è solo narrazione? ECM non è un trojan, è endpoint management. Serve a patchare, distribuire software, fare inventario e assistenza remota su un parco macchine enorme. E soprattutto: lascia tracce, audit, logIl punto non è “il software spia”, il punto è quanto sia facile trasformare una scelta necessaria di sicurezza in paranoia politica. Risultato? Chilling effect, crisi di fiducia e un effetto cobra: la cura raccontata male diventa veleno e ci rende più vulnerabili.Quanta fiducia sei disposto a bruciare pur di vincere una battaglia di narrativa?~~~~~ INGAGGI E SPONSORSHIP ~~~~~ Per contatti commerciali: sales@matteoflora.comPer consulenze legali: info@42LawFirm.it~~~~~ SOSTIENI IL CANALE! ~~~~~Con la Membership PRO puoi supportare il Canale » https://link.mgpf.it/proSe vuoi qui la mia attrezzatura » https://mgpf.it/attrezzatura~~~~~ SEGUIMI ANCHE ONLINE CON LE NOTIFICHE! ~~~~~» CANALE WHATSAPP » https://link.mgpf.it/wa» CANALE TELEGRAM » https://mgpf.it/tg» CORSO (Gratis) IN FUTURO » https://mgpf.it/nl» NEWSLETTER » https://mgpf.it/nl~~~~~ CIAO INTERNET E MATTEO FLORA ~~~~~ Questo è “Ciao Internet!” la prima e più seguita trasmissione di TECH POLICY in lingua italiana, online su YouTube e in Podcast.Io sono MATTEO FLORA e sono:» Professore in Fondamenti di Sicurezza delle AI e delle SuperIntelligenze (ESE)» Professore ac in Corporate Reputation e Crisis Management (Pavia).Sono un Imprenditore Seriale del digitale e ho fondato:» The Fool » https://thefool.it - La società italiana leader di Customer Insight» The Magician » https://themagician.agency - Atelier di Advocacy e Gestione della Crisi» 42 Law Firm » https://42lf.it - Lo Studio Legale per la Trasformazione Digitale » ...e tante altre qui: https://matteoflora.com/#aziendeSono Future Leader (IVLP) del Dipartimento di Stato USA sotto Amministrazione Obama nel programma “Combating Cybercrime (2012)”.Sono Presidente di PermessoNegato, l'associazione italiana che si occupa di Pornografia Non- Consensuale e Revenge Porn.Conduco in TV “Intelligenze Artificiali” su Mediaset/TgCom.

In this episode, we break down the significant changes Secure Act 2.0 brought to single premium immediate annuities (SPIAs). You'll learn how the new rules allow SPIA income to count toward satisfying your required minimum distributions. This change makes SPIAs substantially more attractive from a tax perspective. We walk through recent research that revisits the famous 4% withdrawal rule from the 1990s. The study compares the traditional approach to a strategy that splits your retirement funds between a SPIA and a stock-heavy portfolio. You'll see why this combination produces more income with zero risk of running out of money by age 100. The numbers tell an interesting story. The SPIA approach generated about $80,000 per year compared to $68,600 with the 4% rule. While legacy values were lower, the failure rate dropped to zero versus a 20% chance of being broke by age 95 under the traditional method. We also discuss why so many people resist buying SPIAs despite the clear benefits. You'll hear our perspective on retirement planning dogma and why guaranteed income deserves serious consideration in your plan. The conversation covers practical concerns about giving up access to cash and what peace of mind actually looks like in retirement. _________________________- Ready to explore how guaranteed income might fit into your retirement plan? Contact us to discuss whether a SPIA strategy makes sense for your specific situation.

In this episode, The Annuity Man discussed:  Distinguishing annuity types Applying the PILL strategy Interpreting annuity yields Securing contractual understanding   Key Takeaways:  Understanding the purpose of different annuities is crucial: MYGAs provide guaranteed interest on principal like a CD, while SPIAs deliver a lifetime income stream tailored to longevity. Each serves a distinct financial goal. The "PILL" framework—Principal protection, Income for life, Legacy, Long-term care—helps determine whether an annuity aligns with your needs and long-term planning priorities. Evaluating yields requires nuance: MYGA interest compounds tax-deferred without reducing principal, whereas SPIA "rates" reflect life expectancy and combine principal with interest, making direct comparisons misleading. Before purchasing, ensure you fully understand an annuity's contractual guarantees, avoid relying on hypothetical rates, and seek reliable sources for accurate information to make informed decisions.   "We're looking at a principal-protected product and an income product. Now right there. You should say, I'm not sure we can compare those two… because [they're] two different categories." —  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!

Google risponde in modo categorico a chi insinua che Gemini spii la posta di Gmail. La stessa Google ci riprova con un servizio abbinato a Youtube. Tornano prepotenti i Rumors sui prossimi prodotti di Apple. Questa settimana il nostro appuntamento è realizzato in collaborazione con Roborock. Learn more about your ad choices. Visit megaphone.fm/adchoices

Una fregata della Royal Navy e aerei della Raf sono stati poi schierati per "monitorare e tracciare ogni spostamento" di una nave spia russa, la Yantar, che si trova al confine marittimo delle acque britanniche a nord della Scozia. Si tratta di un'imbarcazione progettata per raccogliere informazioni e mappare i cavi sottomarini". Il ministro della difesa ha detto anche che dalla nave sono stati puntati laser contro i piloti britannici.Ascolta "Notizie dall'Ucraina" ogni giorno su podcast.adnkronos.com e su tutte le piattaforme di streaming.

Today, we take you inside Governor Phil Murphy's new pardons and sentence commutations and cover the American Whig-Cliosophic Society's James Madison Award ceremony for former U.S. Senator Joe Manchin III. 

A new report says retirees who use a so-called "bridge strategy" can actually spend more and need fewer assets to retire securely. That's right. By delaying Social Security and using other savings to "bridge the gap," you could improve your lifetime income, reduce longevity risk, and build more peace of mind into your plan.  We will break down the research and find ways to make Social Security work harder for you. After that, I'll answer a listener question: What's the difference between a 5 year MYGA and a 5 year SPIA?  Resource: Article by John Manganaro on ThinkAdvisor: This Social Security Strategy Gives Retirees More to Spend Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Máme dobrú a zlú správu. Tou dobrou je, že v priemere sa na našej planéte dožívame vyššieho veku. Zlou však je, že zomiera čoraz viac mladých ľudí. Tento týždeň sa v podcaste Zoom vyberieme za zdravím ľudí a zistíme, ako to mávame so spánkom. Objavom týždňa je zistenie, že inovácie u našich predkov vznikali nezávisle od seba. – Všetky podcasty denníka SME si môžete vypočuť na jednom mieste na podcasty.sme.sk. – Ak máte pre nás spätnú väzbu, odkaz alebo nápad, napíšte nám na podcasty@sme.sk – Odoberajte aj (Ne)vedecký newsletter Tomáša Prokopčáka na sme.sk/nevedecky – Ďakujeme, že počúvate podcast Zoom.See omnystudio.com/listener for privacy information.

Do lower-cost funds tend to outperform pricier ones over time? Jeffrey Ptak analyzed fifteen years of performance data covering virtually every U.S. mutual fund and ETF. He divided them into five “cost buckets,” from the cheapest 10% all the way up to the most expensive 10%. He then compared each group's average monthly return against its peers within the same category. The result? A clean, almost perfect staircase of performance.  The cheapest funds outperformed the second-cheapest, which outperformed the middle, which beat the expensive ones — and so on — all the way up the ladder. The longer the time horizon, the wider the gap became. That's from Jeffrey's Peak Substack piece “It's So Simple: Fees Predict Performance", which we go through in this episode. We also answer a listener question from Ray about a 5-year SPIA, continuing the listener question from the previous episode. Resource:Jeffrey Ptak article from Substack: It's So Simple: Fees Predict Performance   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com *Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Only about 4% of retirees actually wait until age 70 to claim Social Security, despite the financial benefits of delaying them. This comes from an article by Derek Tharp at Kitces.com titled “The Flaws In Using A 0% Discount Rate To Justify Delaying Social Security”. It takes a hard look at why the common advice to “wait until 70” might not always hold up in the real world.  Tharp argues that the assumptions baked into much of the research—especially the idea that a future Social Security dollar is worth the same as a dollar today—can tilt the math toward delay, while ignoring very real risks like mortality, sequence of returns, policy changes, and even health-span. I'll share the points and give my commentary on the topic. Thanks for hitting the Play button! Then in our listener question segment: We'll talk about whether it ever makes sense to use a SPIA to bridge the gap until Social Security. What are the pros and cons, and would I ever recommend one? Resource: Article from Derek Tharp on Kitces.com: Why Delaying Social Security Benefits Isn't Always The Best Decision Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Questions? Comments?This week Don hosts solo and brings in “Cath GPT” (ChatGPT) as a "live" guest to explore the rise of AI in personal finance. They cover what types of questions AI is best at answering, its limits for real-time data and stock trading, and the importance of privacy and skepticism. Don emphasizes planning before investing, critiques dollar-cost averaging with lump sums, and fields listener calls on shifting from commercial real estate to the market, Roth conversions, AVGE vs. AVUV, resetting cost basis in a low-income year, and avoiding dubious “legacy funds.” The show closes with reminders about planning, asking spoken questions, and steering clear of high-commission products.1:02 NYT & Yahoo reports on AI financial advice1:53 Cath GPT joins live, discusses safe AI uses3:58 Privacy concerns and data recency limits6:22 Why AI is bad for stock trading advice6:50 Don confirms Cath recommends index investing8:14 Warning about sycophancy — always ask for sources8:38 Caller Josh: pivoting from commercial property to stock market10:32 Don: planning first, lump sum > DCA13:23 Caller Greg: inherited assets, Roth conversions, AVGE timeframe, bond/CD ladders17:20 Don urges no market timing on conversions22:50 Caller Brian: small-cap value, AVUV vs. Russell 2000, Merriman strategy28:07 Don: simplify, AVUV fine but optional29:43 Caller Jason: harvesting gains in low-income year, Don urges diversification33:03 Caller: backdoor Roth timing — lump sum beats DCA34:35 Don jokes about October crashes37:59 Caller Tim: best annuity is SPIA, avoids “legacy funds”Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Don hosts solo and brings in “Cath GPT” (ChatGPT) as a "live" guest to explore the rise of AI in personal finance. They cover what types of questions AI is best at answering, its limits for real-time data and stock trading, and the importance of privacy and skepticism. Don emphasizes planning before investing, critiques dollar-cost averaging with lump sums, and fields listener calls on shifting from commercial real estate to the market, Roth conversions, AVGE vs. AVUV, resetting cost basis in a low-income year, and avoiding dubious “legacy funds.” The show closes with reminders about planning, asking spoken questions, and steering clear of high-commission products. 1:02 NYT & Yahoo reports on AI financial advice 1:53 Cath GPT joins live, discusses safe AI uses 3:58 Privacy concerns and data recency limits 6:22 Why AI is bad for stock trading advice 6:50 Don confirms Cath recommends index investing 8:14 Warning about sycophancy — always ask for sources 8:38 Caller Josh: pivoting from commercial property to stock market 10:32 Don: planning first, lump sum > DCA 13:23 Caller Greg: inherited assets, Roth conversions, AVGE timeframe, bond/CD ladders 17:20 Don urges no market timing on conversions 22:50 Caller Brian: small-cap value, AVUV vs. Russell 2000, Merriman strategy 28:07 Don: simplify, AVUV fine but optional 29:43 Caller Jason: harvesting gains in low-income year, Don urges diversification 33:03 Caller: backdoor Roth timing — lump sum beats DCA 34:35 Don jokes about October crashes 37:59 Caller Tim: best annuity is SPIA, avoids “legacy funds” Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Chris and Jake address listener questions on Social Security, single premium immediate annuity (SPIA) taxation, IRMAA impacts from NQDC payments, and Roth conversions. (9:45) George asks whether the restricted application strategy for Social Security spousal benefits is still possible, and if so, whether birth year requirements apply, along with what changed after the 2015 law […] The post Social Security, SPIA Taxation, IRMAA, Roth Conversions: Q&A #2529 appeared first on The Retirement and IRA Show.

In this episode, The Annuity Man discussed:  The four lifetime income products How annuities are priced  The simplicity of SPIA  Getting the highest guarantee    Key Takeaways:  There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attached to Variable Annuities and Indexed Annuities.  Annuities are priced primarily on your life expectancy at the time you start the payment. Interest rates play a secondary role.  Deferred Income Annuities are, in essence, just a Single Premium Immediate Annuity that is deferred past a year. A SPIA has no moving parts, no market attachments, and no annual fees. It is a straight transfer of risk.  The highest possible payments you can have from an annuity are from a life-only annuity. This is the annuity for people who don't want to give to any beneficiaries. Companies often issue these without the option to change the start date, but you can change the start date if the contract has a cash refund or period certain attached to it.    "That income for life transfer risk strategy with annuities, typically four primary types SPIAS, DIAS, QLACs, and Income Riders. We can structure it so that you have the ability to pivot and change that income start date." —  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!

When income certainty matters the most, please consider the SPIA.

Jim and Chris begin with three PSAs on Social Security experiences, then answer questions on fixed indexed annuities with market value adjustments, SPIA payout options for the Minimum Dignity Floor™, and the tax aggregation rule for MYGAs.(11:30) In this PSA Georgette clarifies that her husband, born February 1, received January benefits at full age 70, […] The post Social Security PSAs, FIAs, SPIAs, and MYGAs: Q&A #2525 appeared first on The Retirement and IRA Show.

Jim and Chris address questions on Social Security survivor benefits, unreimbursed HSA expenses, SPIA funding from multiple accounts, and Fixed Indexed Annuity details. (7:45) Georgette asks whether drawing her own reduced Social Security benefit at 62 will affect her ability to switch to her deceased husband's full survivor benefit at age 67. (23:15) A listener […] The post Social Security, HSA Rules, SPIA Funding, and FIA Details: Q&A #2524 appeared first on The Retirement and IRA Show.

1) “Cercano aiuti trovano proiettili”. La testimonianza dalla striscia di Gaza sui centri di distribuzione della Gaza Humanitarian Fundation. Oggi altre 14 morti mentre aspettavano il cibo. (Sami Abuomar) 2) Gli attivisti della Freedom Flotilla che non sono stati espulsi da Israele sono in carcere. Tra loro anche l'eurodeputata Rima Hassan. Nei prossimi giorni dovrebbero essere processati. (Francesco Giorgini) 3) A Los Angeles arrivano i Marines. Trump continua con il pugno duro e la repressione, mentre la protesta si espande ad altre città. (Roberto Festa) 4) In vista del vertice Nato di fine giugno, la Spagna guida il fronte del no all'aumento delle spese militari al 5%. (Giulio Maria Piantadosi) 5) Rubrica sportiva. Il derby di Atene di pallacanestro segnato da risse e violenza. (Luca Parena) 6) Spia, pilota, giornalista e scrittore. E' morto il re di libri thriller Frederick Forsyth. (Luca Crovi - scrittore) 7) Addio a Sly Stone, il musicista che ha dato forma e corpo ad un'epoca, tra musica, sentimento e politica a tutti gli effetti. (Claudio Agostoni)

Il Divertificio Di 105 Music & Cars, con Fabiola e Dario Spada

Da oltre un decennio, in molti televisori è annidata una funzione che cattura l'immagine di quello che c'è sullo schermo e ne manda una sintesi a un archivio centralizzato a scopo commerciale. Si chiama ACR, e ovviamente ha delle enormi implicazioni di privacy ed è fonte di continua irritazione degli utenti che si trovano bombardati di pubblicità. Vediamo come funziona, come localizzarla e soprattutto come disattivarla.

Da oltre un decennio, in molti televisori è annidata una funzione che cattura l'immagine di quello che c'è sullo schermo e ne manda una sintesi a un archivio centralizzato a scopo commerciale. Si chiama ACR, e ovviamente ha delle enormi implicazioni di privacy ed è fonte di continua irritazione degli utenti che si trovano bombardati di pubblicità. Vediamo come funziona, come localizzarla e soprattutto come disattivarla.

In this episode, The Annuity Man discussed:  Income Riders vs. Single Premium Immediate Annuities (SPIA) Comparison Process Strict rules  Probability of Improvement   Key Takeaways:  Stan explains that in some cases, you can potentially swap an income rider from a variable or indexed annuity for a SPIA with a higher guaranteed lifetime income stream. To determine if a transfer makes sense, you must: compare the income rider amount, use the accumulation value (not the income rider value), ensure the new annuity provides a higher contractual guarantee, verify the transfer is a non-taxable event The annuity industry has strict rules to prevent unnecessary "flipping" of annuities. Any transfer must demonstrate a clear financial benefit to the consumer, with a side-by-side comparison showing a higher contractual guarantee. Stan estimates that about 70% of the time, you won't beat the existing income rider by transferring to a SPIA. However, he recommends checking to ensure you have the highest possible contractual guarantee.   "The annuity industry does not want agents and advisors out there transferring an account to create a commission for the agent or advisor. Whatever you think about the annuity industry, they really do care about the consumer." —  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 of  'Retire with Style' Alex and Wade continue answering your questions about the various aspects of retirement planning. Their conversation focuses on the implications of the Secure Act 2.0 on SPIA and RMD calculations, the legal responsibilities surrounding RMD miscalculations, strategies for protecting late-life income against inflation, optimizing Social Security payments, and the considerations for Roth IRA contributions versus distributions. They also emphasize the importance of understanding new regulations, legal implications, and financial strategies to ensure a secure retirement. Listen now to learn more!   Takeaways Understanding the new RMD rules can significantly impact retirement planning. SPIA payments can now be aggregated with IRA balances for RMD calculations. Legal advice may be necessary for resolving RMD miscalculations. Treasury Inflation-Protected Securities (TIPS) can help protect against inflation. Roth IRA contributions should ideally be made early in the year. Dollar-cost averaging can mitigate market volatility in distributions. Innovative financial products are emerging to address retirement income needs. Understanding the implications of the Secure Act 2.0 is essential for retirees. Chapters 00:00 Strategies for Achieving a Funded Ratio 01:22 Understanding RMDs and SPIAs 12:28 Inflation Protection for Late Life Income 22:41 Optimizing Social Security Benefits 24:11 Investment Strategies: Lump Sum vs. Dollar Cost Averaging 32:07 Withdrawal Strategies: Constant Percentage vs. Variable Spending   Links The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/  This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

In this episode, The Annuity Man discussed:  What a MYGA and SPIA is  MYGA to SPIA Strategy  Flexibility and Control    Key Takeaways:  MYGA is the annuity industry's version of a CD, offering locked-in, non-callable interest rates annually. SPIA is the original lifetime income annuity, with a long history dating back to Roman times and used for pension payments. Use a MYGA to lock in a guaranteed interest rate for a specific duration, such as five years then take out interest or up to 10% penalty-free, depending on the specific MYGA. At the end of the duration, the Myga can be transferred to a SPIA, with a non-taxable event transfer. The MYGA to SPIA strategy takes advantage of the control and flexibility that these two products offer. MYGAs and SPIAs also do not have any annual fees, which makes them very cost-effective.    "You can have your cake and eat it too - just a few bites. You can protect the principal. You can peel off interest, if needed, during that duration of the MYGA, and at the end of that term, you have full control of the asset." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Jim and Chris discuss listener questions relating to the Family Benefit Limit, Means Test, Qualified Charitable Donations, tax strategies for pension benefits, and spreadsheet tracking of SPIA income. (10:00) Georgette asks about factoring in the Family Benefit Limit while deciding when to start taking Social Security (19:30) A listener looks for a better understanding of […] The post Family Benefit Limit, Means Test, QCDs, Tax Strategies, and SPIA Income: Q&A #2449 appeared first on The Retirement and IRA Show.

Jim and Chris sit down to answer listener questions related to Social Security, 529 Plans, and SPIA payments… (6:30) A listener wonders if they will be subject to the Social Security earnings test. (14:30) The guys weigh in on if/how a Roth conversion would impact an IRMAA appeal. (30:30) Chris answers whether there is a […] The post Earnings Test, IRMAA, Survivor Benefits, 529 Plans, and SPIAs: Q&A #2447 appeared first on The Retirement and IRA Show.

In this episode of the Precision-Guided Podcast, University of Georgia and Georgetown University alumna Stephanie Cannon interviews Dr. Loch K. Johnson, Regents Professor Emeritus of Public and International Affairs at the University of Georgia, to discuss the relationship between Congress and the intelligence community. Loch K. Johnson is Regents Professor Emeritus of Public and International Affairs in the School of Public and International Affairs (SPIA) at the University of Georgia.  He received the Ph.D. degree in Political Science at the University of California, Riverside.  The author of over thirty books, among his most recent are The Third Option: Covert Action and American Foreign Policy (Oxford, 2022); Advanced Introduction to American Foreign Policy (Elgar, 2021); Spy Watching: Intelligence Accountability in the United States (Oxford, 2018); National Security Intelligence: Secret Operations in the Defense of the Democracies (Polity, 2017); and A Season of Inquiry Revisited: The Church Committee Confronts America's Spy Agencies (University Press of Kansas, 2015).  He has been an American Political Science Association Congressional Fellow; a Visiting Fellow at Yale and Oxford Universities; a Phi Beta Kappa Visiting Scholar; and, for eighteen years (2001-2019), editor-in-chief of the international journal Intelligence and National Security.  He also served in the U.S. government as the senior aide to the chairman of the Church Committee on Intelligence in the Senate, as well as the chairman of the Aspin-Brown Commission on Intelligence in the White House.  He was the first staff director of the Subcommittee on Oversight in the House Permanent Select Committee on Intelligence.  At the University of Georgia he led the founding of SPIA, established in 2001.  The consortium of universities that comprise the Southeast Conference (SEC) in the United States selected Professor Johnson as its inaugural “Professor of the Year” in 2012; and the University presented him with its Presidential Medal in 2022.

Today, we cover the results of the Class of 2028 frosh survey, a reduction in SPIA Junior Paper requirements, New York Mayor Eric Adams' indictment, and a Japanese destroyer sailing through the Taiwan Strait for the first time yesterday.*** You can find the frosh survey here later this weekend: https://www.dailyprincetonian.com/section/projects You can read more about SPIA's new JP requirements here: https://www.dailyprincetonian.com/article/2024/09/princeton-news-adpol-spia-department-changes-requirements-for-junior-independent-work 

Today on Your Money, Your Wealth® podcast 495, Joe Anderson, CFP® and Big Al Clopine CPA spitball on three different listeners' strategies for paying the tax on a Roth conversion now, to have lifetime tax-free growth on that money in the future. Should Neo in San Clemente, California convert to Roth at the beginning or end of the year in his plan to make quarterly estimated tax payments on his conversion? Is it a good strategy for Tim in Minnesota to use reimbursements from his health savings account to pay Roth conversion taxes? And what do Joe and Big Al think of Samantha in Northern California's plan to convert to Roth and pay the tax with her IRA money? Plus, the fellas answer questions from our YouTube and Spotify followers on required minimum distributions from Roth accounts, reasons to put retirement withdrawals in a brokerage account instead of a Roth, choosing pension options, and the difference between commercial annuities and pension annuities. Plus, their thoughts on single premium immediate annuities (SPIA). Access all the following free financial resources and the episode transcript: https://bit.ly/ymyw-495 CALCULATE: A Financial Blueprint of your retirement readiness for free! DOWNLOAD: Complete Roth Papers Package  DOWNLOAD: Retirement Readiness Guide WATCH: What Happens to Your 401(k) & IRA at Retirement? YMYW TV REQUEST: Retirement Spitball Analysis SCHEDULE: free financial assessment SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter Timestamps:  00:00 - Intro 01:02 - Timing of Roth Conversions - and Paying Quarterly Estimated Taxes (Neo, San Clemente) 06:37 - Is Using HSA Reimbursement to Pay Roth Conversion Taxes a Good Strategy? (Tim, MN) 08:44 - Complete Roth Papers Package - free download. Financial Blueprint - free retirement analysis 09:39 - How Is Our Plan to Convert to Roth and Pay the Tax With IRA Money? (Samantha, Northern California) 19:15 - What Happens to Your 401(k) & IRA at Retirement? Watch YMYW TV, download the Retirement Readiness Guide 20:01 - RMDs for Roth Accounts: Clarification for Solo 401k (Andy, YouTube) 21:43 - Joe and Al walk into a bar… (Tony, YouTube) 22:44 - Any Reason to Put Withdrawals in Brokerage Instead of Roth? (Globe Trotter, YouTube) 23:35 - How to Decide Between Pension Options? (Frank, YouTube) 25:40 - Is a Pension Annuity a Bad Thing? (Invictus, YouTube) 26:47 - Are SPIAs the Best Annuity for Lifetime Income? (1212482970, Spotify) 29:23 - Outro 30:58 - The Derails

Laura answers a listener's question about whether a single premium immediate annuity (SPIA) is right for her mother's retirement portfolio.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/

Ready to retire richer? In this episode, we're back to build on last week's discussion about using tax-free income to beat inflation. We'll dive deep into cash value life insurance and other strategies that can help you achieve a financially secure retirement. We start by comparing a traditional retirement account growing at 8% annually with a $25,000 yearly contribution over 30 years. This brings the account balance to just over $3 million, providing a fully taxable income of $122,345 per year. But what if we took a different route? Next, we explore the option of saving the same amount in a brokerage account and purchasing a Single Premium Immediate Annuity (SPIA). Adjusting for taxes, this strategy yields an account balance of just over $2.5 million, with a SPIA providing more than $150,000 per year in income. The kicker? Only $58,776 of that income is taxable, thanks to the non-taxable portion of $91,224. Finally, we dive into the benefits of saving the same amount in a life insurance policy. An Indexed Universal Life (IUL) illustration shows a result of $142,488 per year in completely tax-free income. While this isn't as high as the SPIA, the tax-free nature of the income makes it a compelling option. Whether you're nearing retirement or have several years left to save, it's time to rethink your strategy. If you have other sources of saved money or time on your side, these tax-free or tax-reduced income strategies could significantly enhance your buying power. Tune in for a conversation that could transform your retirement planning and help you retire richer. Don't miss out! ________________________ If any of this sounds interesting to you, please click here to get in touch with us. 

I interviewed Stan Haithcock, the expert I depend on when I have questions about annuities. We will dig into single premium life annuities (SPIA), multiple-year guaranteed annuities (MYGA) and other insurance products that are often over sold and over priced. What is the truth and how can you get what you need at the right price? Join me and Stan as he answers my questions and yours. Stan Haithcock, also known as "Stan the Annuity Man" is recognized as one of the top independent annuity agents in the United States. Stan has authored seven books on annuities — all free on his website— and has produced over 1,000 educational videos on YouTube. His goal is to help do-it-yourself investors understand how annuities work and to protect them from costly mistakes. ⁠Click to watch video

I interviewed Stan Haithcock, the expert I depend on when I have questions about annuities. We will dig into single premium life annuities (SPIA), multiple-year guaranteed annuities (MYGA) and other insurance products that are often over sold and over priced. What is the truth and how can you get what you need at the right price? Join me and Stan as he answers my questions and yours. Stan Haithcock, also known as "Stan the Annuity Man" is recognized as one of the top independent annuity agents in the United States. Stan has authored seven books on annuities — all free on his website— and has produced over 1,000 educational videos on YouTube. His goal is to help do-it-yourself investors understand how annuities work and to protect them from costly mistakes. Click to watch video