The Atlas Annuity Podcast

Marty Becker
  • 4.3 (3)
  • Investing
  • Updated Weekly

Welcome Atlas Annuity Podcast, where your host, Marty Becker, turns the heat up on retirement planning! As a career firefighter, Marty's journey from battling blazes to safeguarding nest eggs offers a different look at protecting retirement assets than you've seen from any other advisor. His pension got smoked, but he found a flame-resistant strategy: annuities. Each episode, Marty dives into riveting case studies, peels back the complex layers of annuities, and has candid chats about the power of annuities to shield your retirement from the unpredictability of the stock market. Whether you're approaching retirement, or have been retired for years, Marty’s mission is clear - to give you the tools and tactics to fortify your retirement. No jargon, no fluff, just unbiased insight and solid strategies from a guy who's been in the hot seat and came out cooler than ever. Subscribe to the Atlas Annuity Podcast for a regular dose of insights that could change the way you think about protecting and growing your assets in retirement. Ready for more? Light the way to a secure future at www.atlasannuity.com and book your appointment with Marty Becker today. Don't just retire, retire with confidence.

  1. 5d ago

    What's the Best Annuity? Is the Wrong Question

    Every week, Marty Becker gets asked the same question: "What's the best annuity out there?" His answer never changes — there isn't one, because it depends entirely on the person asking. In this episode, Marty Becker, owner and founder of Atlas Financial Strategies in St. Louis, Missouri, breaks down the exact five-step process he uses with nearly every client: the Atlas Annuity Strategy. Rather than leading with a product recommendation, Marty walks listeners through why the "one-size-fits-all" approach used at most dinner seminars is a mistake — and what a personalized, gap-focused strategy looks like instead. Listeners will learn: Why education always comes before any product discussion How a 30,000-foot overview uncovers hidden gaps in a retirement plan — and why sometimes the answer is "you don't need anything" A real case study of a couple who felt fully covered by a pension and Social Security, but overlooked a critical survivorship gap that could have cost them 45% of their income Why unrealistic return assumptions can turn a "bulletproof" retirement plan into a fantasy How to control what's actually controllable in retirement — guaranteed income versus market risk This episode is for anyone who's been pitched an annuity based on a flashy bonus or high cap rate, and wants to understand what a genuinely personalized retirement strategy looks like before making a decision. As always, this episode is for educational purposes only and is not a recommendation to buy, sell, or transfer any security or insurance product. Atlas Financial Strategies Incorporated is an insurance-only licensed entity, and any decisions regarding securities should be discussed with a licensed securities advisor. To see if the Atlas Annuity Strategy is right for your situation, visit atlasannuity.com to book a free, no-obligation call.

    What's the Best Annuity? Is the Wrong Question

  2. Sep 4

    6 Annuity Myths Your Advisor Won't Correct

    Most retirees have heard at least one of these myths about annuities. That agents are just chasing a commission. That annuities cap your growth. That your money gets locked up forever. But here's the truth — most of these myths come from a misunderstanding of how annuities actually work, and believing them can cause you to overlook a strategy that might genuinely fit your retirement. In this episode, Marty Becker breaks down the 6 biggest annuity myths, where they actually come from, and exactly why they're wrong. Here's what Marty covers: Why the "commission" objection almost always comes from the client's current advisor — not the client The real difference between a cap rate, a participation rate, and a spread, and why growth isn't as limited as people think Why your money in a managed portfolio may already be more "locked up" than you realize What you're actually paying for with an income rider fee — and how it compares to a typical management fee How annuity companies actually use call options to protect your principal, and why they aren't pocketing your gains The one question every retiree should ask before believing anything they hear about annuities at a dinner seminar If you're tired of getting conflicting information about annuities and want to separate fact from fiction, this episode is for you.

    6 Annuity Myths Your Advisor Won't Correct

  3. Aug 20

    $1 Million Decision: Annuity vs Portfolio — Which Actually Pays More?

    Marty Becker goes head-to-head with the numbers: annuity vs portfolio, using a $1 million retirement as the test case. A 65-year-old couple needs $95,000/year in income, with Social Security covering $45,000 — leaving a $50,000 gap. This episode compares two ways to fill it: pulling the full gap from a traditional portfolio at a 5% withdrawal rate, or moving $400,000 into a guaranteed income annuity paying $29,750/year for life. The result is an honest, side-by-side look at what each path really means for a retiree's income and risk. This episode is for educational purposes only and is not a recommendation to buy or sell any securities.

    $1 Million Decision: Annuity vs Portfolio — Which Actually Pays More?

  4. Aug 12

    Should You Buy a Rate-Lock Annuity? Watch This First

    Have you been offered a rate-lock annuity? Before you sign anything, you need to hear this. In this episode of the Atlas Annuity Podcast, Marty Becker — owner and founder of Atlas Financial Strategies in St. Louis, Missouri — breaks down exactly what a "rate lock" on a fixed indexed annuity really means, and why it's not automatically the better deal most people assume it is. Marty explains the basic FIA story: your money isn't directly invested in the market, so if the index falls, you don't lose value — but if the index rises, the insurance company credits interest based on a formula. The problem? The cap, participation rate, or spread you're quoted today may not be the same one you get at your next anniversary. That's where "rate lock" products come in — but the term gets used in at least three completely different ways, and most people don't know which one they're actually being offered. In this episode, you'll learn: Why insurance companies change crediting rates in the first place The real difference between a new business rate lock, an index lock, and a cap rate lock Why a rate lock guarantees only ONE part of the formula — not your actual return The exact questions to ask your advisor before agreeing to a "locked" rate A breakdown of how annual point-to-point crediting actually works, with real numbers If you've been handed an illustration with the words "rate lock" on it, this episode will make sure you know exactly what you're signing up for before you commit a dollar. Have questions about your own annuity or retirement strategy? Book a call with Marty today.

    Should You Buy a Rate-Lock Annuity? Watch This First

  5. Aug 7

    The Retirement Risk Even Millionaires Can't Escape

    There's a popular belief that annuities are only for people who are afraid of the market or haven't saved enough. But what if an annuity could actually improve the retirement outcome of someone worth several million dollars — even when the market performs well? In this episode, Marty Becker, owner and founder of Atlas Financial Strategies, walks through a real case study of a client worth over $4 million in combined assets who still had a $172,000 per year income gap heading into retirement. Marty breaks down exactly where that gap came from, why more wealth doesn't automatically mean more retirement income, and how a single guaranteed income annuity closed the gap completely — without touching the rest of the portfolio. If you've ever assumed that having "enough" money means you don't need to plan for guaranteed income, this episode will change how you think about retirement risk. In this episode, you'll learn: Why net worth and retirement income are two completely different problems How a real client with $4M+ in assets still faced a six-figure income shortfall How a guaranteed income annuity with deferral closed the gap for a fraction of the portfolio's value Want to see what your own income gap looks like? Book a free call with Marty at Atlas Financial Strategies.

    The Retirement Risk Even Millionaires Can't Escape

  6. Jul 23

    TIPS vs MYGAs: Why Most Retirees Choose the Wrong One

    Most retirees assume TIPS and MYGAs are basically the same thing. Both are conservative. Both preserve your principal. Both appeal to people who want stability in retirement. But here's the truth — they solve two completely different problems. And choosing the wrong one for the wrong job can quietly cost you. In this episode, Marty Becker breaks down exactly how TIPS and MYGAs work, what makes each one unique, and — most importantly — how to know which one is right for your situation. Here's what Marty covers: What a MYGA is and why its predictability makes it one of the most reliable retirement tools available How TIPS actually work — including the part most retirees never hear about Why TIPS can lose value during deflation and what that means for your retirement money The one question every retiree needs to ask before putting money into either one Why the TIPS vs MYGAs debate isn't really about which one is better — it's about what job you need your money to do If you're looking for safe, stable retirement income and want to make sure you're using the right tool for the right job, this episode is for you.

    TIPS vs MYGAs: Why Most Retirees Choose the Wrong One

  7. Jul 15

    Annuity in a Trust: The Mistake That Could Cost You Everything

    Most people think putting their annuity in a trust is a smart move. Their attorney told them to do it. So they did it. But that one simple paperwork change could trigger a massive tax bill — and most attorneys don't even realize it. In this episode, Marty Becker breaks down the trust mistake that blindsides retirees every day. You'll learn the critical difference between a revocable and irrevocable trust, why it matters for your annuity, and how one wrong signature could make $150,000 in deferred gains immediately taxable. What you'll learn: Why trusts are not the tax shield most people think they are The two types of trusts and how each one affects your annuity differently The real-life example that shows exactly how much this mistake can cost you What to ask your attorney before you transfer anything If you have an annuity and an estate plan — this episode is a must listen.

    Annuity in a Trust: The Mistake That Could Cost You Everything

  8. Jun 27

    Can You Really Buy Your Mortgage at a Discount With an Annuity

    In Episode 108 of the Atlas Annuity Podcast, Marty Becker, owner and founder of Atlas Financial Strategies in St. Louis, Missouri, explores one of the most creative retirement strategies he has come across in recent memory — using an annuity to pay your mortgage at a discount. It all started with an email from one of Marty's sharpest clients, Dave, who asked a simple but brilliant question: could an insurance company essentially take over his mortgage payments for the next five years, and do it for less than he actually owes? After running the numbers, Marty breaks down exactly how a 5-Year Term Certain Single Premium Immediate Annuity works, why the math makes sense, and how retirees can potentially lock in years of guaranteed mortgage payments while putting thousands of dollars back in their pocket — with zero market risk. In this episode, Marty covers: What a 5-Year Term Certain SPIA is and how it works How Dave's strategy turned $115,000 into $129,000 worth of mortgage payments When this strategy makes sense and what most people overlook Why guaranteed income can be one of the smartest tools in a retirement plan If you are approaching retirement or already retired and still carrying a mortgage, this episode is a must listen.

    Can You Really Buy Your Mortgage at a Discount With an Annuity
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Ratings & Reviews

4.3
out of 5
3 Ratings

About

Welcome Atlas Annuity Podcast, where your host, Marty Becker, turns the heat up on retirement planning! As a career firefighter, Marty's journey from battling blazes to safeguarding nest eggs offers a different look at protecting retirement assets than you've seen from any other advisor. His pension got smoked, but he found a flame-resistant strategy: annuities. Each episode, Marty dives into riveting case studies, peels back the complex layers of annuities, and has candid chats about the power of annuities to shield your retirement from the unpredictability of the stock market. Whether you're approaching retirement, or have been retired for years, Marty’s mission is clear - to give you the tools and tactics to fortify your retirement. No jargon, no fluff, just unbiased insight and solid strategies from a guy who's been in the hot seat and came out cooler than ever. Subscribe to the Atlas Annuity Podcast for a regular dose of insights that could change the way you think about protecting and growing your assets in retirement. Ready for more? Light the way to a secure future at www.atlasannuity.com and book your appointment with Marty Becker today. Don't just retire, retire with confidence.

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