Stop Living Your Life by the Tax Code: Shootin' It Straight with Stan
“Fun With Annuities” The Annuity Man Podcast
Release Date: 09/28/2022
Lifetime Income Backstops: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Think annuities mean your money disappears when you die? In this episode, Stan The Annuity Man breaks down lifetime income backstops and shows how to structure annuities so every penny is guaranteed to go to your beneficiaries—not the “evil annuity company.” In this episode, The Annuity Man discussed: Common misconceptions about lifetime income annuities Life-only annuities vs. annuities with backstops Single premium immediate annuities, deferred income annuities, and QLACs Cash refund, installment refund, and period certain structures Income riders on index and...
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Annuities Produce Fun Coupons: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
What if you treated every dollar as a “fun coupon” instead of something to hoard and stress over? In this episode, Stan The Annuity Man lays out how annuities can create guaranteed income, break the scarcity mindset, and give you permission to finally enjoy Chapter Two of your life. In this episode, The Annuity Man discusses: Money as “fun coupons” and winning the game Core purposes of annuities and principal protection Taxes, rich mindsets, and not over-optimizing Scarcity scars, personal hardship, and financial trauma Using guaranteed income to actually enjoy...
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Annuitization Sweeping the Nation: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
Discover why annuitization has quietly powered lifetime income for over 200 years—and why it’s poised to “sweep the nation” as more Americans hit retirement age. In this episode, you’ll hear a no-fluff breakdown of how annuities really work, how they compare to Social Security, and how to secure chapter two of your life with guaranteed income. In this episode, The Annuity Man discussed: Historical roots of annuities and annuitization Annuitization as lifetime income and its connection to Social Security Impact of AI, medical advances, and longevity on annuity...
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What Are Life Insurance Death Bonds?: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Ever wondered what really happens when companies offer to “buy your life insurance policy” or your annuity payments? In this episode, Stan “The Annuity Man” pulls back the curtain on life insurance death bonds, secondary market annuities, and the ethical gray areas you need to understand before you cash out. In this episode, The Annuity Man discussed: Life insurance death bonds explained How companies buy life insurance policies and death benefits 1035 exchanges and moving life insurance cash value into annuities Secondary market annuities, structured...
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Is The IRS Living in Your Head Rent Free?: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Is the IRS living in your head rent-free? Stan the Annuity Man breaks down why tax obsession might be costing you more joy than dollars and what to focus on instead. In this episode, The Annuity Man discussed: Obsession with taxes and IRS rules Future tax rates, national debt, and policy uncertainty Roth conversions, rule changes, and break-even analysis QLACs, annuities, and tax-related product decisions Scars of scarcity, spending in retirement, and enjoying life now Key Takeaways: Letting tax fears dictate every financial and lifestyle decision can rob you...
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Carpe Annuity Dang Diem!: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
What happens to annuity payouts when AI and medical breakthroughs start pushing life expectancy through the roof? In this episode, Stan reveals why current life expectancy tables are a one-time bargain and how to use them to your advantage. In this episode, The Annuity Man discussed: Carpe Annuity Diem and seizing today’s annuity opportunities Impact of AI and medical breakthroughs on life expectancy tables Building an income floor with Social Security, RMDs, and annuities Joint lifetime income for spouses and real-life lifestyle examples Mindset shift from accumulating...
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Women Rule the Annuity World Part 1: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Women are living longer, inheriting more, and increasingly driving the biggest decisions in retirement and legacy planning. In this episode, Stan “the Annuity Man” lays out why women truly rule the annuity world and how couples can proactively design lifetime income and legacy plans that actually work in “chapter two” of life. In this episode, The Annuity Man discussed: Women’s longevity and joint lifetime income annuities Planning the Baby Boomer wealth transfer Husbands’ responsibility for “chapter two” planning Lifetime income, risk reduction, and legacy...
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Carrier Ratings and State Guaranty Funds: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Think the state guaranty fund is your safety net? Stan pulls back the curtain on how these funds actually work, when they’ve stepped in, and why carrier quality and claims-paying ability matter even more. In this episode, The Annuity Man discussed: Understanding guaranty funds without relying on them Treating annuities as confidence-driven decisions Looking beyond ratings to real due diligence Prioritizing strength, scale, and scrutiny in carrier selection Key Takeaways: State guaranty funds provide limited protection, but they are not comparable to the FDIC...
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Decreasing Income Rider Teaser Rates: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
Are annuity companies quietly setting you up for a pay cut in retirement? Stan “The Annuity Man” exposes the truth about decreasing income rider teaser rates and how to avoid a nasty surprise in year 11. In this episode, The Annuity Man discusses: Understanding income riders Choosing strong and reliable carriers Avoiding misleading teaser rates Prioritizing transparency and long-term thinking Key Takeaways: Income riders are built to provide lifetime income through contractual guarantees, not projections. They can be structured in different ways, but the...
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10 Percent Free Withdrawal Annuity Nonsense: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Understanding that “free withdrawals” come at a cost Recognizing misleading annuity sales claims Focusing on purpose before choosing a product Prioritizing guarantees and long-term impact Key Takeaways: The 10% withdrawal feature is not a bonus but access to your own money. Taking withdrawals reduces key benefits like lifetime income, death benefits, and overall contract value. Phrases like bonuses, free withdrawals, and market upside with no downside can be misleading. These features are often part of the...
info_outlineIn this episode, The Annuity Man discussed:
- The good and the bad of taxes
- Skating behind the puck with taxes
- Does inflation really affect you?
- Choosing simple solutions for retirement
Key Takeaways:
- It’s important to pay your taxes. Your money goes into good things like infrastructure, security and other things. However, it does get a little predatory, politicians play games with it, and you don’t know when the rules are going to change.
- None of us know what’s going to happen with tax policy in the future. So why would you plan around it? It’s like skating behind the puck when you should be skating where the puck is going to be. You can’t do that with the IRS.
- If you have millions and millions of dollars but you’re talking about how inflation affects you, then you’re just parroting what the media says. You’re not really being honest with yourself if inflation does affect your life or not.
- Don’t let the taxman live in your head for free. If you’ve won the game, then the solution for your retirement is very simple. Don’t complicate your plans because of taxes.
"Stop living your life by the tax code, stop doing financial planning by the tax code, stop it. Go live your life. You're driving yourself crazy." — Stan the Annuity Man
Connect with The Annuity Man:
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Email: Stan@TheAnnuityMan.com
Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g
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