Annuity Straight Talk Bryan Anderson

One of the greatest nightmares of retirees is outliving their income and savings. Who wouldn't be anxious about cutting back on their current lifestyle just because they don't have enough money left? Luckily, there's this thing called annuities, and this podcast is specifically designed to talk about them. There are a lot of discussions revolving around different types of annuities, specifically one called Indexed Annuities.
Indexed annuities are designed to provide a conservative retirement income alternative with several advantages, including protection from loss, guaranteed minimum returns, and tax deferral. What's even better is that you gain some market upside while lowering your risk. It's without a doubt that index annuities are a safe investment as they protect your savings from potential losses even better than other investment plans. Yes, you've read it right, and if you're wondering why, then give this episode a listen. 
What You’ll Learn from This Episode:
[2:43] Bryan talks about how interest rates are shooting up dramatically.
[2:57] Multi-Year Guaranteed Annuities (MYGA) are at a point now where they’re starting to bring back the 10% free withdrawal in a lot of contracts.
[5:16] Index annuities all have a fixed rate because the fixed annuity is the baseline, or is the foundational product of that opportunity.
[8:24] Because fixed rates were low then, the accompanying indexed rates, the participation rates, and the cap rates were not that high.
[10:16] An index annuity is better than a fixed annuity and is better than bonds.
[11:05] Given that bonds have dropped so much, index annuities have increased their opportunity as much as fixed annuities.
[16:13] Index annuities are usually better than fixed annuities, and they’re definitely better than bonds. 
Key Quotes:
[7:30] "The reason why I started selling indexed annuities is that fixed annuities are so low."
[13:55] "I do like longer contracts because the more years that you have, the better chance that you have of actually beating that rate."
Resources:
Annuity Newsletter
Call Annuity Straight Talk at 800-438-5121 or schedule a call at AnnuityStraightTalk.com 

Determining whether annuities are a good financial decision boils down to where you are in your retirement journey. With the stock market seeming to reach new highs, investors face a puzzle. They want to profit if the market stays strong. But many Americans, especially older ones also fear th market is due for a major correction sooner than we’ve predicted.
Now you might be wondering is there a way to get some stock-market upside without any downside risk? Tag along with John and Bryan in this episode to find out.
What You’ll Learn From This Episode:
[2:10] Is there a way to get all of the market upside with no loss?
[5:27] The level of trust it would take to believe someone who says that something is impossible.
[5:50] If you don’t trust the insurance company, who would you trust to get that done?
[9:47] The principles are pretty simple and it’s not that hard to understand.
[11:13] The lack of volatility in those lower yielding products can produce similar results in the long run.
[22:26] Describe what the measured move is.
[28:52] How do you make good decisions based on the available information in the current market?
Key Quotes:
[2:23] "The hardest thing to do is to tell people and give them a reality check. If you want upside you got to deal with the big downside” 
[29:05] "Right now is a good time to get into fixed products."
[32:04] "It’s not a fairytale; we’re talking about real numbers and how you make a difference in your retirement plan."
Resources:
Annuity Newsletter
Call Annuity Straight Talk at 800-438-5121 or schedule a call at AnnuityStraightTalk.com 

Annuity Straight Talk is all about the consumer; it’s about what you should know and what you can do. The goal of all this is to serve as many people as possible and get your money’s worth by straying away from a contract that doesn’t benefit you. Through the years, it has continuously improved its services to adhere to clients nationwide.
 In all honesty, buying and selling annuities can be a hit or miss, and today’s talk would cover topics related to that as Bryan shares his opinion about a particular marketing program called Safe Money Radio.
What You’ll Learn From This Episode:
[1:53] Some annuities are sold even when they are not required, and in many cases, it's detrimental to the individual's financial situation
[8:05]  Safe Money Radio is a marketing program and a sales pitch to entice and get you to buy certain annuities
[13:46] Bryan explains how he had to work for insurance marketing organizations in order to do consistent business because he represents a lot of different things
[17:06] The value of enjoying what you’re doing
[18:13] It’s very important for him to make recommendations that align with the goals of his audience.
[19:05] The goal is to do service to the individual and make sure that they stay away from a contract that doesn’t benefit them.
[22:08] Annuity Straight Talk is about the consumer; it’s about what you should know and what you can do.
[22:17] When you’re empowered, you understand, you think for yourself, you figure things out, and you walk into a situation and commit to a financial deal. You don’t need anybody to tell you that you did a good job because you already know it for yourself.
Key Quotes:
[1:35] "The point of this is to give information to people so that they can make good decisions for themselves."
[9:08] “This is me talking to you. This is what I’ve learned in the business talking to you.”
[10:46] “I wouldn’t feel good about myself if I was simply just a drone for someone else and working for another person’s objectives.”
Resources:
Annuity Newsletter
Call Annuity Straight Talk at 800-438-5121 or schedule a call at AnnuityStraightTalk.com 
 

Horses are great but training them requires a lot of work. Their unpredictability can often be detrimental, and it takes an experienced rider to keep them steady. On the other hand, Mules are attentive, patient, always there, and always ready. 
But why are we talking about mules and horses today? What does that have to do with annuities?
Because, like mules, annuities are a good investment. In times of uncertainty in this unpredictable world, an annuity can be your best friend. Because they're there to offer you stability, and you can rely on them in the long run. If you're not yet convinced, listen to Bryan, play that button and hear it for yourself. 
What You’ll Learn From This Episode:
[5:08] The purpose of annuities is to improve your life and to create safety
[9:40] What are mules?
[19:52] Bryan shares their experience riding a mule in Yellowstone
[21:55] It’s great to be in an annuity; great products, great rates, and great things coming back
[25:40] Mules and their distinctive personalities 
[27:50] Similarities between mules and a desirable retirement 
[27:54] Mules are just like annuities, they provide safety, security when everything else is unpredictable  
Key Quotes:
[8:13] “Between mules and annuities, the only people who don’t like them, are the ones who don’t understand them.”
[20:27] “Mules are just like annuities because they’re steady and reliable when everything else is unpredictable.” 
[27:23] When we think about what we are then and what we are now, there are so many uncertainties. There are so many risk factors out there. Go back, be in a peaceful place and enjoy. 
Resources:
Annuity Newsletter 
Call Annuity Straight Talk at 800-438-5121 or schedule a call at AnnuityStraightTalk.com

As baby boomers are approaching retirement, annuities have become big in the business and investing world. Annuities benefit individuals in their 50s and 60s the most since they are most likely to retire and are looking to set aside additional income for their nest egg. But when you're buying annuities, navigating its contract and deeper meaning can be quite difficult. In today's episode, Bryan shares his answers to commonly asked questions about annuities. Let's hear more about his discussion by clicking on that play button!
What You’ll Learn From This Episode:
[5:00] Looking through his client’s questions and proposal 
[9:18] Explaining the S&P Low Volatility Risk Control
[9:43] Using cash to balance with the S&P 500. When volatility is high in the stock market, the index is going to put the majority of the cash to reduce volatility.
[11:05] Bryan talks about Fidelity MFV and annual margin
[13:47] Surrender charges and market value adjustments only apply to anything over 10% free withdrawals in these contracts so you can take money out if you want. 
[15:53] You can take 10% total in free withdrawals each year. If your RMD is 4% then you can take an additional 6% without penalty.
[23:03] Some short term index and fixed rate annuities don’t have 10% free withdrawal options. Liquidity may be limited. 
[24:44] Transfer forms are part of the application process and part of the paperwork you sign.
Key Quotes:
[10:41] “The volatility is controlled by daily adjusted SP 500, Gold & US Treasuries.”
[18:35] “Maturity means that you must withdraw all the money or take guaranteed lifetime payments if you hold the contract to age 115”
Resources:
Annuity Newsletter 
Call Annuity Straight Talk at 800-438-5121 or schedule a call at AnnuityStraightTalk.com

Unlike other financial instruments, variable annuities bring the power of investing and insurance meshed together in one retirement product. With variable annuities, all the money that would have been paid in taxes remains in the account with the opportunity to grow until it is withdrawn. There are a lot of benefits when you buy one; you get the flexibility to move your money, legacy protection, income guarantees and more. 
And a lot of people in the Annuity world have been wondering why Bryan doesn’t sell Variable Annuities; this podcast episode will reveal the reasons why.
What You’ll Learn from This Episode:
[2:20] Variable Annuities are the most popular annuity product on the market.
[6:35] How do you best maximise the potential benefits of retirement?
[8:26] Why are variable annuities the most popular product?
[13:22] Additional fees for contract guarantees
[18:01] Instances where a variable annuity is the best option for the traditional purpose of variable annuities
[24:58] The variable annuity opens a certain type of protection if you want to invest in the stock market.
[31:26] Variable annuities come down to their fees, market volatility and personal preference
Key Quotes:
[4:17] “Variable annuities are what got me into the topic of retirement planning.”
[12:24] “Essentially what they are doing is trying to maintain assets or collect more assets that they can put  on their books as managed.”
[15:23] “If you want the benefit, you have to pay the fee.”
Resources:
Annuity Newsletter
Call Annuity Straight Talk at 800-438-5121 or schedule a call at AnnuityStraightTalk.com