Strategic Retirement Planning Using Annuities: Shootin’ It Straight With Stan “Fun With Annuities” The Annuity Man podcast

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The Annuity Man에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 The Annuity Man 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

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S4, E1 - Day One 7:38

5 weeks 전7:38

나중에 재생

나중에 재생

7:38

Last summer, something monumental happened. One of Uncuffed's founding producers, Greg Eskridge, came home after more than 30 years in prison. In this episode we’ll bring you back to that emotional day last summer when he walked out of the San Quentin gates, free at last. Our work in prisons is supported by the California Arts Council, the California Department of Corrections and Rehabilitation, independent foundations, and donations from listeners like you. Learn more, sign up for Uncuffed news, and support the program at www.weareuncuffed.org Follow us @WeAreUncuffed on Instagram and Facebook Transcripts are available within a week of the episode coming out at www.kalw.org/podcast/uncuffed…

“Fun With Annuities” The Annuity Man Podcast « »
Strategic Retirement Planning Using Annuities: Shootin’ It Straight With Stan

약 1년 전 8:26

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MP3•에피소드 홈

The Annuity Man에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 The Annuity Man 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

In this episode, The Annuity Man discussed:

The Annuity Pill
Questions to ask when considering an annuity
Annuities are contracts

Key Takeaways:

Remember the acronym PILL, as the four primary things that annuities solve for. P stands for principal protection, I stands for income for life, the first L stands for legacy, and the other L stands for long-term care.
When considering an annuity, ask yourself these two important questions: “What do you want the money to contractually do?” and “when do you want those contractual guarantees to start?”
Annuities are great if you buy them only for their contractual guarantees. You own an annuity for what it will do, not what it might do so buy wisely.

"Annuities solve for four primary things: principal protection, income for life, legacy, and long-term care and if you don't need to solve for these items, then you do not need an annuity of any type. " — 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!

… continue reading

341 에피소드

#Trading #Higher Education #Business #Financial #Income #Planning #Retirement #Stantheannuityman #Podcasting Education #Annuity Man #Advisors #Annuity

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Strategic Retirement Planning Using Annuities: Shootin’ It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

11 subscribers

published 약 1년 전

공유

MP3•에피소드 홈

The Annuity Man에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 The Annuity Man 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

In this episode, The Annuity Man discussed:

The Annuity Pill
Questions to ask when considering an annuity
Annuities are contracts

Key Takeaways:

Remember the acronym PILL, as the four primary things that annuities solve for. P stands for principal protection, I stands for income for life, the first L stands for legacy, and the other L stands for long-term care.
When considering an annuity, ask yourself these two important questions: “What do you want the money to contractually do?” and “when do you want those contractual guarantees to start?”
Annuities are great if you buy them only for their contractual guarantees. You own an annuity for what it will do, not what it might do so buy wisely.

"Annuities solve for four primary things: principal protection, income for life, legacy, and long-term care and if you don't need to solve for these items, then you do not need an annuity of any type. " — 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!

… continue reading

341 에피소드

#Trading #Higher Education #Business #Financial #Income #Planning #Retirement #Stantheannuityman #Podcasting Education #Annuity Man #Advisors #Annuity

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Annuities and Timing The Cost of Waiting: Shootin' It Straight With Stan 9:15

2일 전9:15

나중에 재생

나중에 재생

9:15

In this episode, The Annuity Man discussed: You can’t time annuities Annuities provide guarantees The cost of waiting Annuities are not bought for market growth Key Takeaways: You can't time the market when it comes to annuities - there is no "perfect" time to buy. Annuities can provide different contractual guarantees like principal protection, lifetime income, legacy, and long-term care coverage. There is a cost to waiting to purchase an annuity, as you may miss out on payments. Do not buy annuities for market growth, but rather for the contractual guarantees they provide. "There is a cost of waiting. Does that cost pay off? If you wait, it can pay off for lifetime income because you're older, but you have to factor in the payments that you missed while you were waiting to get the higher payment." — 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!…

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Gap Filling Income Strategies Before Social Security: Shootin' It Straight With Stan 14:03

9일 전14:03

나중에 재생

나중에 재생

14:03

In this episode, The Annuity Man discussed: Gap Filling and Annuity Options: Social Security Timing and Considerations: Balancing Emotional and Financial Well-being: Flexibility and Lifetime Guarantees with Annuities: Key Takeaways: You need to find ways to cover your income needs before Social Security kicks in, typically from ages 62 to 70. Consider using strategies like Single Premium Immediate Annuities (SPIAs) or Multi-Year Guarantee Annuities (MYGAs) to provide contractual income during this gap. SPIAs pay a guaranteed income for a specific term, while MYGAs offer a fixed interest rate with the potential to preserve your principal. When deciding whether to take Social Security at age 65 or 70, consider your personal circumstances. Factor in the payments you'll miss while waiting for a higher payout and how long it will take to recoup those amounts. Think about living for the present and enjoying your money now rather than solely focusing on maximizing every penny. Reflect on the emotional and lifestyle aspects of your financial planning. Prioritize your personal happiness and well-being by doing things for yourself and living life to the fullest. Stan encourages turning on the lifetime income stream sooner rather than later, especially if you've spent a lifetime scrimping and saving. Use annuities to provide both lifetime guarantees and gap-filling strategies. Explore these options based on your specific needs and circumstances to bridge the gap between now and when Social Security kicks in. Consider both period certain Immediate Annuities for guaranteed income over a specific term and MYGAs for interest income while preserving your principal. "If it sounds too good to be true, it is. Every single time. There are limitations to every strategy. You just have to weigh the good and the bad to see if it makes sense." — 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!…

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Lifestyle Income Guarantee: Shootin' It Straight With Stan 9:49

16일 전9:49

나중에 재생

나중에 재생

9:49

In this episode, The Annuity Man discussed: Retirement planning essentials Achieving financial security in retirement Determining a lifestyle number Key Takeaways: Lifestyle income guarantees are crucial for retirement planning, allowing retirees to live their desired lifestyle without worrying about market fluctuations or economic uncertainties. Annuities are the only financial products that can provide contractually guaranteed lifetime income, which can be combined with other sources like Social Security and pensions to achieve financial security. It's important to determine a "lifestyle number" - the monthly income needed to live comfortably and enjoy retirement, beyond just covering basic expenses. A combination of financial products can be used to achieve this lifestyle income guarantee. "At the end of the day, it's about your lifestyle. It's about living chapter two of your life, and checking off all those boxes and making sure that you maximize every single day and be happy about it every day." — 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!…

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Annuity Companies Are Not Smarter Than Banks: Shootin' It Straight With Stan 10:54

23일 전10:54

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나중에 재생

10:54

In this episode, The Annuity Man discussed: Annuity companies are more regulated than banks Features that protect the annuity industry There is no run on annuities How the banking crisis will affect the annuity industry Key Takeaways: Annuity companies are more regulated than banks, with features like surrender charges and market value adjustments that prevent runs on the company. Annuity companies are required to invest in investment-grade bonds, providing stability, unlike banks that had to sell bonds during the recent crisis. Lifetime income products offered by annuity companies, such as SPIAs and DIAs, are irrevocable and provide a guaranteed income stream for life, preventing panicked withdrawals. The National Association of Insurance Commissioners (NAIC) plays a crucial role in overseeing annuity companies and protecting consumers, and the recent banking crisis will likely lead to increased oversight of the annuity industry. "The bottom line: the annuity industry has put in place features to not only protect you, the consumer, which is their ultimate goal, period, but to protect the industry as well." — 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!…

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4 Contractual Paths to Income Later: Shootin' It Straight With Stan 9:48

30일 전9:48

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나중에 재생

9:48

In this episode, The Annuity Man discussed: 4 contractual paths to future income Factors that affect the suitability of a plan for your situation Immediate Annuities No free lunch Key Takeaways: There are 4 main contractual paths to achieve future income: 1) Buying an immediate annuity when income is needed, 2) Using a "My Go-To SPIA" Fixed-Rate Annuity, 3) Purchasing a deferred income annuity (DIA), and 4) Buying an Indexed Annuity with an Income Rider. Each of the 4 options has its own advantages and disadvantages, and the best choice depends on the individual's specific needs, goals, and preferences around factors like control, flexibility, and predictability of the income stream. Immediate annuities are straightforward "commodity" products that simply transfer risk, while DIAs provide a guaranteed future income stream that can be calculated in advance. Income riders on indexed annuities offer flexibility but come with tradeoffs. Understand the nuances of each option and don’t fall for overly-optimistic sales pitches, as there is no "free lunch" when it comes to annuities. "If it sounds too good to be true, it is every single time." — 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!…

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The Reality of Inflation: Shootin' It Straight With Stan 11:47

5 weeks 전11:47

나중에 재생

나중에 재생

11:47

In this episode, The Annuity Man discussed: Should you complain about inflation? The people actually impacted by inflation Annuity products that provide solutions for inflation Avoiding media influence regarding inflation Key Takeaways: Stop complaining about inflation. For those who have worked hard and saved, higher prices for groceries and gas are manageable. Focus on living your life to the fullest rather than worrying about inflation. Recognize the reality that 60% of Americans are living paycheck-to-paycheck and are severely impacted by inflation. While it's understandable to be concerned, those with significant savings should not let inflation dominate their financial decisions. Be wary of annuity products that claim to provide solutions for inflation. Annuity companies do not give anything away, and any potential inflation adjustments come with significantly reduced initial payments. Stop being influenced by constant media coverage of inflation. Inflation is a long-term issue that will always be present, but it should not dictate your daily life and enjoyment. Focus on your health, family, and living in the present. "Buy the eggs, buy the milk, fill the cart with gas, do the best you can and go live your life to the fullest every single day. Buy nice stuff if you can afford it. Buy nice food if you can afford it. But don’t complain about it while you’re doing it." — Stan The Annuity Man. Connect with The Annuity Man: Website: http://theannuityman.com/ Email: Stan@TheAnnuityMan.com Book: Owner’s Manuals : https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!…

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Building a Pension from Scratch: Shootin' It Straight With Stan 9:47

6 weeks 전9:47

나중에 재생

나중에 재생

9:47

In this episode, The Annuity Man discussed: Using annuities to create a pension The best inflation annuity Focusing on guarantees Key Takeaways: Annuities can be used to create a personal pension that provides a guaranteed lifetime income stream, similar to a traditional pension. The main annuity types discussed are Single Premium Immediate Annuities (SPIAs), Deferred Income Annuities (DIAs), Qualified Longevity Annuity Contracts (QLACs), and Income Riders. Social Security is considered the best inflation annuity and pension, and no commercial annuity can fully protect against inflation without significantly reducing the initial payment. Relying solely on Social Security may not be enough for many retirees. When evaluating annuities, the focus should be on the contractual guarantees, not hypotheticals or marketing claims. The "best" annuity is the one that provides the highest contractual guarantee tailored to the individual's specific needs and situation. "There is no “best [annuity]”, regardless of what your agent or advisor might tell you. Best means highest contractual guarantee. Best means solving for your specific situation." — 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!…

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When Annuitization Becomes the Final Choice: Shootin' It Straight with Stan 8:47

7 weeks 전8:47

나중에 재생

나중에 재생

8:47

In this episode, The Annuity Man discussed: Options that annuities provide Living off interest When to annuitize Laddering interest rate movements Key Takeaways: Annuities provide more options than just immediate lifetime income annuities. There are various types like Multi-Year Guarantee Annuities, Index Annuities, Variable Annuities, and Deferred Income Annuities that can be used for different income needs. With current interest rates, it may be possible to live off the interest from a portfolio of fixed-rate annuities and CDs without having to annuitize and lock in a lifetime income stream. This can provide more flexibility. Annuitization should be viewed as a last resort option if interest rates drop significantly and living off the interest is no longer sufficient. It's important to maintain a diversified approach. When using fixed-rate annuities and CDs for income, it's recommended to ladder the products to avoid having to time interest rate movements. This provides more stability and flexibility. "Annuitization at this point in time, for a lot of you out there that have large sums of money, is a last resort. And we will go there if rates move down, but if they remain at these levels at the time of this tape and they go up from here, then you're going to be able to, potentially, hopefully, depending on what your income needs are, take the interest and never touch the principle." — 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!…

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Strategic Retirement Planning Using Annuities: Shootin’ It Straight With Stan 8:26

8 weeks 전8:26

나중에 재생

나중에 재생

8:26

In this episode, The Annuity Man discussed: The Annuity Pill Questions to ask when considering an annuity Annuities are contracts Key Takeaways: Remember the acronym PILL, as the four primary things that annuities solve for. P stands for principal protection, I stands for income for life, the first L stands for legacy, and the other L stands for long-term care. When considering an annuity, ask yourself these two important questions: “What do you want the money to contractually do?” and “when do you want those contractual guarantees to start?” Annuities are great if you buy them only for their contractual guarantees. You own an annuity for what it will do, not what it might do so buy wisely. "Annuities solve for four primary things: principal protection, income for life, legacy, and long-term care and if you don't need to solve for these items, then you do not need an annuity of any type. " — 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!…

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Can a 9-Year-Old Understand Your Annuity?: Shootin' It Straight With Stan 11:00

9 weeks 전11:00

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나중에 재생

11:00

In this episode, The Annuity Man discussed: Buy only what you understand Don’t fall for bad sales tactics Seeking the facts Key Takeaways: Annuities should be simple and easily understandable; if not, avoid purchasing them. Don't fall for misleading sales tactics, bonuses, or unrealistic projections from agents motivated by personal gain. There are extensive options for index annuities, but few experts; exercise caution, do not trust sales pitches, and seek factual information from credible sources. "If you can't explain it to a 9-year-old, you shouldn't buy it." — Stan The Annuity Man. Connect with The Annuity Man: Website: http://theannuityman.com/ Email: Stan@TheAnnuityMan.com Book: Owner’s Manuals : https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!…

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Annuities Are for Do-It-Yourselfers: Shootin' It Straight With Stan 11:43

10 weeks 전11:43

나중에 재생

나중에 재생

11:43

In this episode, The Annuity Man discussed: Annuities are DIY products Focusing on contractual guarantees What annuities solve for Key Takeaways: Annuities are do-it-yourself products that allow self-management without advisor fees. Annuities provide contractual guarantees, and shopping for carriers with the best rates is important. Annuities are for do-it-yourselfers focused on contractual guarantees, not hypotheticals, sales pitches, or hype. Annuities can solve principal protection, income for life, legacy, and long-term care needs for pro-consumer buyers. "For all of you do-it-yourselfers out there that's been managing your own money… annuities are right up your alley because they are do-it-yourself products." — 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!…

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Interest Rates & Annuities: Shootin' It Straight With Stan 9:44

11 weeks 전9:44

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나중에 재생

9:44

In this episode, The Annuity Man discussed: How lifetime income is priced Don’t time annuity purchases Laddering annuities Key Takeaways: Lifetime income annuities are primarily based on your life expectancy. Interest rates play a secondary role in the pricing. Higher interest rates will positively impact annuity pricing. Don't try to time the market for annuity purchases; base decisions on contractual guarantees. Consider laddering annuity purchases to take advantage of future pricing changes. "Remember, lifetime income annuities are primarily based on your life expectancy or life expectancies if joint at the time you take the payment. Interest rates play a secondary pricing role." — 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!…

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MYGA-2-SPIA for Full-Control Annuity Income: Shootin' It Straight With Stan 10:37

12 weeks 전10:37

나중에 재생

나중에 재생

10:37

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!…

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Enhancing Your Retirement Plan With Annuities: Shootin’ It Straight With Stan 15:21

13 weeks 전15:21

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나중에 재생

15:21

In this episode, The Annuity Man discussed: What annuities are for Establishing an income floor How to actually adjust for inflating needs Securing an income stream through annuities Key Takeaways: Annuities provide contractual guarantees for principal protection, lifetime income, legacy, and long-term care (PILL acronym), offering advantages over market investments focused solely on growth. Prioritize establishing an income floor or guaranteed income stream, particularly through fixed annuities, to cover essential expenses in retirement. Reject cost-of-living adjustment annuities and instead incrementally purchase additional annuities to address inflating needs in retirement. Income flooring through annuities is especially important for securing a spouse's income stream after the death of a partner, providing a contractual, guaranteed income stream that is more reliable than the 4% withdrawal rule. "Annuities for lifetime income is the only product category that's going to pay for as long as you're breathing. You're transferring the risk to the annuity for 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!…

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Comparing Index Annuity Income Riders and Dias: Shootin’ It Straight With Stan 10:38

14 weeks 전10:38

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나중에 재생

10:38

In this episode, The Annuity Man discussed: An overview of Deferred Income Annuities Finding the best fit Income Riders attached to Indexed Annuities Key Takeaways: DIAs are essentially single premium immediate annuities deferred past one year. It has no moving parts, no annual fees, and no market attachment, making it a straight transfer of risk for lifetime income. DIAs can be used in Roth and traditional IRAs, and are taxed based on the account type. DIAs are efficient, no-cost, no-fee transfer-risk pension products that can be deferred for up to 40 years. Compare DIAs and income riders on Fixed and Indexed Annuities to find the best fit based on contractual guarantees and flexibility. Income Riders attached to Indexed Annuities provide future income needs. Income Riders are separate ledgers that cannot be cashed in or transferred but can be used to determine a lifetime income stream. They offer flexibility, such as a 10% free withdrawal annually, but this can disrupt the income rider guarantee. Compare both DIAs and income riders using the four filters: contractual guarantees, carrier ratings, flexibility, and fees. "Don't fall for sales pitches. These are contractually guaranteed commodity products. There's not one that's better than the other, and if you use those four filters, you're going to make a good decision." — 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!…

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