Annuity 공개
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We want to help every independent agent or retirement planner be successful explaining the benefits all types of annuities - fixed indexed annuities in particular. You should walk away each time you listen with some idea that will make your next client meeting run better.
 
Fun With Annuities® Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.
 
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show series
 
In this episode, The Annuity Man and Leah Brandt discuss: Seeing things from the client’s perspective When annuities are bought Making annuities easier to understand Never doing things in moderation Key Takeaways: If you want to provide excellent service, always ask yourself what you would want if you were the client or what you would want to know …
 
125 Earning Higher Safe Interest On Your Saving With Michael Nelskyla Can a fintech solution help your clients keep their cash safe but grow it faster than a bank? Today we talk with Michael Nelskyla, founder and CEO of SAVE about his solution. Michael was a pioneer in creating custom indices for insurance products and will talk about the overlap i…
 
In this episode, The Annuity Man and Jack Lenenberg discuss: The truth about long-term care Transferring annuity to annuity with an IRS 1035 exchange Traditional versus annuity with long-term care The full customizability of long-term care Key Takeaways: Long-term care plans are flexible, benefits are guaranteed and you can set up the plan so that …
 
Prior guests on the show have expressed a desire for someone to objectively talk about the retirement crisis and the positive role annuities can play in solving it. That person has arrived. Today, we talk with Doug Orchard, an independent film maker who is about to release "The Baby Boomer Dilemma" at a theater near you. And our guest host this wee…
 
In this episode, The Annuity Man and Terry Savage discuss: Is inflation going to be transitory? Getting ready for a collapse The Great Resignation Technology’s effect on markets Key Takeaways: We have a lot of components of permanent inflation being injected into the economy along with the shortages of goods. No one knows for sure that a collapse i…
 
What's the first thing we do today when we're about to meet with someone for the first time? We Google them. What do your clients find when they Google you? More often than not, your profile on major social media platforms like LinkedIn will come up before your own website. Today, Robert Knop, CEO of Assist You Today, joins us to talk about the ste…
 
In this episode, The Annuity Man and Tom Hegna discuss: Mortality credits: the secret sauce of annuities Trends in life expectancy Predicting the economy and preparing for market downs Making healthy choices for a happy retirement Key Takeaways: The mortality credits are probably the highest that we’re going to see for the rest of our lives, there’…
 
Brace yourself for another few months of continual Medicare ads on television during open enrollment. I can almost guarantee these ads will cause one of your clients to call you with questions about their coverage. Can you answer the question? Today’s guest is Ryan McMillan, Vice President of Sales for Senior and Individuals at Bankers Fidelity Lif…
 
In this episode, The Annuity Man and Jamie Hopkins discuss: ROS - Return on Sleep From an accumulation to a decumulation mindset Living your retirement meaningfully Changing your relationship with money Key Takeaways: People often don’t care about optimal, people care about being happy. Giving people a good retirement experience, a Return On Sleep,…
 
Many older clients who need life insurance can also benefit from annuities. However, many life insurance agents feel they lack the expertise to integrate annuities into a comprehensive plan. Today, Jeff Affronti, President of FSD Financial Services shares his thoughts on how to best help life insurance agents identify opportunities for annuities an…
 
In this episode, The Annuity Man and Loren Feldman discuss: Entrepreneurs and retirement Investing for business owners Passion and confidence on business Measuring your risk Key Takeaways: Plan for the next chapter. Retirement brings about many opportunities that would otherwise be difficult or impossible. Many entrepreneurs love taking risks but b…
 
Registered Index-Linked Annuities or RILAs have taken the broker-dealer market by storm over the past several years. David Hanzlik, Vice President, Annuity and Retirement Solutions at CUNA Mutual joins us to reflect on the recent growth of the product and how it may evolve over the next 2 years. Also, do you want to get regular updates on news abou…
 
In this episode, The Annuity Man and Wade Pfau discuss: Success in retirement RISA - Retirement Income Style Awareness Funding long-term care Reverse mortgages and risk pooling Key Takeaways: Retirement doesn't only mean stopping work, it's about being able to do what you want. Three retirement strategies: Total return investment strategy, time seg…
 
How can insurance carriers build an empathetic relationship with policyholders? How do we drive innovation in a stressful time within our companies and practices? Industry veteran Maria Ferrante-Schepis joins us today to share her view of the present and her hope for the future of the business. We hope you enjoy the show. Links mentioned in the sho…
 
In this episode, The Annuity Man and Dan Prescher discuss: Planning for travelling internationally Travelling internationally as a lifestyle change Minimalism and happiness Joining communities abroad Key Takeaways: Research is the key, start by ruthlessly profiling yourself and ask yourself what you can do without and what you can’t do without. If …
 
Today, we catch up with one of our first guests, H. Adam Holt, CEO of Asset-Map to discuss a wide variety of topics. He gives us a sneak peak of an algorithm his firm will release that will find the hidden gaps in your client's retirement plans. We also talk about the commitment that Adam and his firm have made to supporting diversity and inclusion…
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Running away from lies and half-truths “Guaranteed increasing income” and other misleading statements Knowing how much you’ll really earn Why people choose annuities Key Takeaways: If anybody tells you that what they’re selling has “no downsides” - run away, don’t listen. Everything they're te…
 
Last week, we explored the psychology of building a retirement solution for a client that not only delivers results, but also adapts to the personality traits of your client. This week, in part 2 of our discussion, Dr. Wade Pfau and Alex Murguia explore how advisors and firms should change their engagement strategy and even their service offerings …
 
In this episode, The Annuity Man and John Lenz discuss: How people reacted to the new payroll tax rule for LTC in Washington state. Live, die, quit - find out what that means Making mathematical decisions for your retirement Key Takeaways: Live, die, quit. If you live, and you need long term care services, you’ll benefit. If you die, your family wi…
 
What makes a retirement recommendation not only work but also stick for you client? Could it be a combination of personality traits and beliefs about the market? We were really fortunate this week to have Dr. Wade Pfau and Alex Murguia on to discuss their research on the topic. They walk us through the tool they have built to help decode what exact…
 
In this episode, The Annuity Man and Kerry Pechter discuss: What is the Bermuda Triangle Strategy? How the Bermuda Triangle Strategy will affect you. The problem with the annuity industry. Prioritizing the consumer over anything. Key Takeaways: The points of the triangle are: a life/annuity company with large in-force, “blocks” of (usually) fixed a…
 
Carriers spend a lot of time talking about building strong policyholder relationships but how many actually have? Molly Black, Chief Product Officer at Life.io joins us today to talk about how her company makes those relationships a reality. What can we learn from their software design that we can apply to our own practices today? Also, do you want…
 
In this episode, The Annuity Man and Chuck Jaffe discuss: Some good examples of bad investments Issues with cryptocurrency Understanding indexed annuities Interest rates and inflation Key Takeaways: Some investments are unjustifiable and unnecessary. Cryptocurrency isn’t that different from gift checks, except you can actually spend gift checks. On…
 
Summer is almost over. What's the outlook for the annuity industry as we head back to our (virtual) offices? Sheryl Moore is the perfect guest to provide us with predictions and savvy forecasts. She graciously joins us today to talk about changes in carrier ownership, product design changes and regulatory evolution. Also, do you want to get regular…
 
In this episode, The Annuity Man and Owen Schrum discuss: The Retirement Crisis The Free Paradigm Unteaching things that people thought wrong Growth and guarantees - the truth about Structured Investments Key Takeaways: The retirement crisis cannot be solved by Social Security, you have to be the one to save yourself from this crisis with strategy,…
 
How do you create more income with less market risk and lower fees and income taxes than traditional retirement income plans for your client? Jerry Golden, President & CEO at Golden Retirement joins us today to talk about Go2Income and the service that his tools provide for advisors that do just that. Also, do you want to get regular updates on new…
 
In this episode, The Annuity Man and Jeff Miller discuss: Life expectancy and income level demographics Until what age should you wait? Figuring out your life expectancy Inflation, where is it going and how will it affect social security Key Takeaways: With any type of lifetime income-stream annuity, it’s all about life expectancy - the older you a…
 
In this episode, The Annuity Man and John Olsen discuss: The suitability approach and consumer trust How the annuity industry can be better Approaching people who hate annuities Risk management and risk transfer Key Takeaways: There is a considerable certainty that companies out there are determined to give the right product to their clients. If yo…
 
Healthcare typically is the biggest expense facing retirees. However, can you help you help your clients navigate the complexities of Medicare, Medicare Advantage and Medicare Supplement plans? I'm sure we will all get a lot of questions from clients as open enrollment begins in a few short weeks. To get a little smarter on the topic, we invited an…
 
In this episode, The Annuity Man and FIA-X discuss: Upfront bonuses on annuity and other bonuses to be wary of Looking for contractual guarantees in annuity contracts Uncapped products and other “modifiers” Monthly sum - what they’re actually saying Key Takeaways: Buying an annuity for the upfront bonuses is like buying a car to get the stereo Stay…
 
The regulators make us attest we know our clients. However, do we really know what makes them tick? Dr. Preston Cherry joins us today to discuss personality models and how they can improve how we deliver advice. Also, do you want to get regular updates on news from Dr. Cherry and other guests of our show? Go to https://thatannuityshow.com and subsc…
 
In this episode, The Annuity Man and Tom Hegna discuss: Saying no to DIY retirement What the right age for retirement is How annuity addresses inflation Securing guaranteed lifetime income with annuities Key Takeaways: Retirement is not a DIY project, do it with a professional. The age for retirement would not be the same for many. If you want to g…
 
How can we create more happy retirement planning clients? Tom Hegna joins our show today to share his insights on how to make this happen in your practice. Also, do you want to get regular updates on news from Tom and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.Go to https:…
 
In this episode, The Annuity Man and Bradley Birkenfeld discuss: Corruption in the government and our justice system The problem with bank secrecy and facts about the relationship between our government and bankers Getting incarcerated for doing the right thing Tax evasion in wealthy groups and how corruption happens in places The future of cryptoc…
 
Many times when planning for retirement we often try to lock onto a specific date. However, it may be more productive for some to focus on their actual level of preparation for retirement. Today, Sheila Jelinek and Peter Sun from Milliman join us to talk about the genesis of the RISE tool which does exactly that. They explain how to get either your…
 
In this episode, The Annuity Man and Dana Anspach discuss: Juicing your retirement money How can you know if you’re “retirement-ready” What are some things you have to consider when setting up your retirement plan The four percent rule Key Takeaways: Don’t underestimate what more you can juice from your retirement plan. You might very well end up w…
 
The next few years promise to bring more change to our business than the last 50, according to our guest Jim Kerley. He should know. Jim has worked for carriers, launched businesses, and played a leading role at LIMRA. Today, he is managing partner of Clearview Partners and shares his perspective of change not only in the U.S. but around the world.…
 
In this episode, The Annuity Man and Bob Powell discuss: The new normal of today’s interest rates Good tips and strategies for building your retirement fund Some insights on Cryptocurrency Special Purpose Acquisition Companies and Key Takeaways: Use the "bucket strategy" for a low but somewhat stable yield even in unstable times Be very careful on …
 
When to take Social Security could arguably be the single most important decision you will make in retirement. Jack Sharry, EVP and CMO for LifeYield joins us today to talk about technology's role in helping us all make the optimal call. Also, do you want to get regular updates on news from Jack and other guests of our show? Go to https://thatannui…
 
In this episode, The Annuity Man and Christine Benz discuss: Why Christine is so passionate about financial education and retirement portfolio planning. Why decumulation is not bad (and when it is a good thing). Retirement blindspots to be aware of. Staying mindful of additional, variable costs in your spending plan. Bucket approach investing and p…
 
Are you ready to take a step out on the risk spectrum? Special guest Byron Boston, Chief Executive Officer, and Co-Chief Investment Officer of Dynex Capital, joins the conversation to share insights on Real Estate Investment Trusts (REITs): another potential source of income in retirement. Do you want to get regular updates on news from Byron and o…
 
In this episode, The Annuity Man and Dennis Miller discusses: What ROMEO is and how it influences Dennis and his writing. Why inflation is a personal thing. Diversifying for income guarantee and reducing risk. Answering the questions Dennis’s readers are asking. Key Takeaways: You must diversify if you are going to survive as a retiree and not rely…
 
What prevents clients from earning higher interest rates on their savings? Three factors - awareness, apathy, and inertia create road blocks according to Gary Zimmerman, Founder & CEO of MaxMyInterest.com. Gary joins us today to discuss the savings problem he solved for himself and is now sharing with clients and their advisors. Also, do you want t…
 
In this episode, The Annuity Man discusses: How the COVID19 pandemic has affected retirement plans. The Retirement Watch newsletter and how it can help you. What DC is doing that can affect retirement. Inflation and adding inflation hedges to your portfolio. Key Takeaways: While the focus of retirement planning is on the financial side, that is the…
 
Can we learn what may lie ahead for our industry from regulatory changes in Australia? Will RILAs and MYGAs prove to be the winning products of 2021? How must we change how we explain our products to consumers? We discuss answers to these questions and more this week with Harry Stout. Harry has headed carriers in the U.S. and Australia. He has work…
 
In this episode, The Annuity Man and John Lenz discuss: Spendthrift planning. Customizing the annuity contracts to achieve the specific goals you have in mind. Medicaid planning using annuities. Nonqualified stretch plans. Key Takeaways: There is nothing magical about the ability to manage money. It can be difficult regardless of the age of the ben…
 
Fixed Indexed Annuities in the U.S. market now offer crediting strategies that include over 100 proprietary indices. How should agents and advisors conduct due diligence in this environment? What factors really matter? Today, Laurence Black, founder of The Index Standard, shares his perspective with us on this very important topic. Also, do you wan…
 
In this episode, The Annuity Man and Bill Black discuss: What is happening in the life insurance space (especially during the current pandemic). How interest rates affect life insurance policies. Benefits of life insurance to the beneficiaries. What to watch out for in the sales pitch world of life insurance. Key Takeaways: Oftentimes, term insuran…
 
Michelle Richter, Principal at Fiduciary Insurance Services, joins us again to cover a wide variety of important industry topics. One of many that jumped out in today's conversation was the need for structural change in how the annuity industry services RIAs in the future. Some of these involve technology, other products, and probably not surprisin…
 
In this episode, The Annuity Man discusses: The historical journey of indexed annuities and how they’ve gotten to where they are today. The questions to ask your advisor about your indexed annuities. The golden rule of annuities - they have the gold, so they make the rules. The problems with backtested numbers. Key Takeaways: For anyone to say mark…
 
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