131 episodes

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.

“Fun With Annuities” The Annuity Man Podcast The Annuity Man

    • Business
    • 4.6 • 20 Ratings

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.

    Don’t Buy Annuity Stories: Shootin' It Straight with Stan

    Don’t Buy Annuity Stories: Shootin' It Straight with Stan

    In this episode, The Annuity Man discussed: 
    Why do agents tell stories?  Protecting yourself from bad pitches  Don’t listen to these stories  The only two important questions   
    Key Takeaways: 
    In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “evidence.”  Here’s how you can protect yourself from liars who’d sell you stories: write down their sales pitch exactly how they said it and how you understood it. Sign and date it at the bottom and flip it over to them. Have them sign the contract, so they’re on the hook if they lie in their pitch.  Never base your decision on a back-tested number; those are basically stories. If they tell you all about the people who own what they're selling, don’t listen - those are stories. Never base your decision on up-front bonuses; you’re smarter than that - there’s no such a thing as free money.  There are only two important questions: “what are the contractual guarantees” and “when do you want those contractual guarantees to start.” By answering those two, we can determine whether you even need an annuity or which type will provide the highest contractual guarantees if you need an annuity. There are no stories with contractual guarantees.   
    "Don’t buy the dream because you’re going to own the contractual reality. Don’t buy the story, buy the contract." —  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!

    • 9 min
    Martin Parlato: How Politics Affects Your Investments

    Martin Parlato: How Politics Affects Your Investments

    In this episode, The Annuity Man and Martin Parlato discuss: 
    The biggest problem the government created How to send a country into stagflation Cryptocurrency is worthless  Planning in six-month projects   
    Key Takeaways: 
    The problem is government spending and the supply chain - which the government can’t fix. People being paid to stay home contributes to production and supply chain problems, leading to a lack of advertisements, resulting in layoffs and further unemployment in advertising sites like Facebook.  If you can’t increase supply, then all you can do is decrease demand, and if you try to decrease the demand side so hard that it compensates for the supply side, that’s when you send the country into recession - that’s when you send the country into stagflation. Crypto is worthless, and it doesn’t do anything. Many people buy cryptocurrency because it’s untraceable by the government and unstealable by anyone. Except, there have been many incidents of hacking, often involving millions of dollars in stolen crypto.  Retirement planning is done in six-month projects. The world changes fast; we are already in a different world than six months ago.   
    "The retirees need to understand that elections matter. You elect stupid people, this is what you get - you get a series of bad decisions that affect your retirement. Politics affect your money." —  Martin Parlato.
      
    Connect with Martin Parlato:
    Website: https://www.lighthouseretirement.com/ 
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 53 min
    You Won The Game. Why Are You Still Playing?: Shootin' It Straight with Stan

    You Won The Game. Why Are You Still Playing?: Shootin' It Straight with Stan

    In this episode, The Annuity Man discussed: 
    Not everyone needs to be exposed Bonds and market volatility  Looking into lifetime income  Questions to ask your advisor   
    Key Takeaways: 
    Financial advisors tend to advise their clients to do 60% equity and 40% bond split or that they always have some exposure, but it doesn’t apply to everybody. People who’ve won the game don’t have to keep playing.  Bonds aren’t fool-proof; they go down in value if interest rates go up. If you’ve already accumulated enough to live the life you want and don’t want to tie yourself into any risks or volatility, then don’t. You have that option.  If peeling off the interest rate isn’t an option for you, then why not look into lifetime income? You can structure your annuity where your money doesn’t have to go to the annuity company when you die. There are so many ways you can structure the contract in a way that achieves your goals.  Advisors get paid assets under management, which is why they want you to dip into the market. Ask your advisor if you have enough money to live off. From a fiduciary standpoint, they’ll have to look at the money and tell you honestly if you are able to do that.   
    "Plan for when you win the game to stop playing the game. Look up at the scoreboard; you won!" —  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! 

    • 11 min
    Sheryl Garrett: Financial Planning On YOUR Terms

    Sheryl Garrett: Financial Planning On YOUR Terms

    In this episode, The Annuity Man and Sheryl Garrett discuss: 
    The role of a financial planner  How the industry should be  Hiring the right planner  Being aggressive with cash flow  
    Key Takeaways: 
    Many personal, financial, economic, and psychological things are coming together all at once. The planner’s role is to help clients see through all of that and reach out to the appropriate specialist when they need certain products or services fulfilled for the clients. Everybody has questions about their personal finances. People in the industry should be working towards making it easier for people to understand finances.  Don’t hire anybody with disciplinary issues on their records. There are plenty of people to pick that don’t have any on the record. Make sure the person you’re talking to is working as a fiduciary.  We need to be aggressive about our cash flow. Aggressive, conscious of where our money is going, where it’s coming from, and how it will move in the future.   
    "We’ve been trained to go get a second opinion if we have a significant medical issue come up, but why in the world do we not get a second opinion if we’re getting ready to make a decision as significant as retirement." —  Sheryl Garrett.
     
     
     
    Connect with Sheryl Garrett:
    Website: https://garrettinvestmentadvisors.com/ 
    LinkedIn: https://www.linkedin.com/in/sherylgarrett/ 
    Twitter: https://twitter.com/SherylGarrett 
     
    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!

    • 58 min
    Sign Now! Decide Later? - Shootin' It Straight with Stan

    Sign Now! Decide Later? - Shootin' It Straight with Stan

    In this episode, The Annuity Man discussed: 
    Never, ever “sign now, decide later” How agents give annuities a bad name The trouble is not worth it  There's never a time for urgency  
    Key Takeaways: 
    Never, ever “sign now, decide later.” If anybody pitches something that sounds too good to be true, it probably is.  “Sign now, decide later” types of pitches are a shady sales practice that gives annuity companies a bad name. The only goal of this tactic is to make a sale and not to help the client.  These shady tactics done for short-term gain will have long-term consequences and drawn-out complications for people who are involved, especially the client. The trouble is not worth it.  Please take note and remember that there is never an urgency to buy an annuity for consumers out there.   
    "For any of the agents out there… stop it. People can make up their own minds. You don’t have to do bait and switch tactics. You don’t have to do shady “sign now” deals because to unwind a lot of this is a mess." - 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! 

    • 10 min
    Adam Van Wie: Safely Surfing Through Volatile Investment Waters

    Adam Van Wie: Safely Surfing Through Volatile Investment Waters

    In this episode, The Annuity Man and Adam Van Wie discuss: 
    Being both analytical and tactical  Does the market care about politics?  Putin-proofing and pandemic-proofing your investments  Two questions to ask your advisor   
    Key Takeaways: 
    You need to be analytical and strategic, investing in the long-term while at the same time looking at short-term trends and figuring out how you could avoid losing, knowing what could happen in the short-term.  The market doesn’t care that much about politics. The market has gone up historically on both sides; it isn’t as related as people think. However, there are specific policies that one side will do that will affect certain investments.  The pandemic changed everything, but not every change was bad. The transition to webinars and online meetings has the upside of being able to save a lot of people’s time.  Ask your advisor if they are a fiduciary or if they are putting their client’s best interest ahead of themselves. Then, ask them how they are getting paid because there wouldn’t be any reason for them to hide it if there’s nothing wrong with how they’re getting paid.   
    "For those of you that this is the first time you’ve experienced any real volatility - if you have more than five years to invest, I would double down, buy more. Long term, American companies have a natural inclination to increase their profitability, and that’s what drives stocks in the long run. It’s a little bit of a rigged game, but it’s rigged in your favor." —  Adam Van Wie
     
     
     
    Connect with Adam Van Wie:
    Website: https://vanwiefinancial.com/ 
    Facebook: https://www.facebook.com/vanwiefinancial/ 
    Instagram: https://www.instagram.com/vanwiefinancial/ 
    LinkedIn: https://www.linkedin.com/in/adamdvanwie/ 
     
    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!

    • 50 min

Customer Reviews

4.6 out of 5
20 Ratings

20 Ratings

Marjorie@ASustainableMind ,

Binge This Podcast

This is by far the most well-presented and easy-to-understand financial show I've ever heard. Annuities have been a hot topic in my household lately but I am definitely a newbie. This show has helped me understand the benefits and manage my expectations. I'll definitely be diving in to annuities with my eyes wide open after this.

KBR Clan ,

Love the honesty!

I’m just getting into learning about annuities so this podcast has been super helpful and doesn’t feel like I’m sitting in some advanced college class trying to keep up, love it!

Nice Guys on Business ,

Finally, the search is over!

Love this podcast! Honest, straight forward information that is easy to understand. Yes, there is no shortage of financial experts in this space, but honestly, it can't get better than this. Recommendations, advice, clarity and education, all wrapped up in one neat podcast, The Annuity Man Podcast -- 5 Stars!

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