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Pam Krueger: The Best Wealthramp on How to Roll Your 401K or IRA

Fun With Annuities® - The Annuity Man Podcast

Release Date: 10/08/2024

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Fun With Annuities® - The Annuity Man Podcast

Could living longer mean receiving lower annuity payments in the future? This episode explores how AI-driven medical breakthroughs could affect longevity, life expectancy assumptions, and lifetime income annuities.   In this episode, The Annuity Man discusses:  AI-driven medical breakthroughs and their potential impact on life expectancy How life expectancy tables factor into lifetime income annuity pricing Why current life expectancy assumptions may present an opportunity to lock in lifetime income Lifetime income products including SPIAs, DIAs, QLACs, and Income Riders ...

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Fun With Annuities® - The Annuity Man Podcast

Upfront bonuses, free long-term care, unlimited market growth — if the annuity pitch sounds too good to be true, there's a reason. Here's how to spot it before you sign a 10-year contract.   In this episode, The Annuity Man discussed:  FIAs as CD products, not market products Principal protection and locked-in annual gains Caps, spreads, and renewal-rate discretion Deconstructing the four-part sales pitch Licensing gaps behind mis-selling   Key Takeaways:  It's a CD product, not a market product. These were built to compete with CD returns, bringing that...

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Fun With Annuities® - The Annuity Man Podcast

Tired of annuity hype, bonuses, and rosy projections? In this episode, Stan The Annuity Man breaks down the three phases of income rider taxation and shows why the real value of annuities doesn’t show up until your account hits zero.   In this episode, The Annuity Man discussed:  Contractual guarantees vs. hypothetical projections What income riders are and how they work The three phases of income rider taxation Solving for longevity risk and building an income floor How to evaluate annuities and run income rider quotes   Key Takeaways:  Annuities should be...

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Fun With Annuities® - The Annuity Man Podcast

In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry.   In this episode, The Annuity Man discusses:  Annuities as contractual guarantees, not hypothetical growth The “annuity life coach” and “annuity oncologist” mindset Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income Riders Professional boundaries and no-pressure, no-outbound model Direct-to-consumer mission and cleaning up annuity industry “charlatans”   Key Takeaways:  ...

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Fun With Annuities® - The Annuity Man Podcast

When an upfront annuity bonus looks too good to be true, it usually is—and the real cost can be buried in massive surrender charges and hollow promises. In this episode, you’ll hear a blunt breakdown of the fixed index annuity bonus churning strategy and how to protect yourself from it.   In this episode, The Annuity Man discussed:  Dangers of upfront bonuses in fixed index annuities How bonus churning and flipping annuities harm consumers Surrender charges and predatory sales practices Why contractual guarantees matter more than hypothetical growth Practical steps to...

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Fun With Annuities® - The Annuity Man Podcast

In this episode, Stan The Annuity Man pulls back the curtain on how annuity incentive trips can quietly distort recommendations—and how to protect yourself from funding your agent’s next vacation. Discover why focusing on contractual guarantees, not sales gimmicks, is the only way to buy annuities on your terms.    In this episode, The Annuity Man discussed:  Incentive trips and conflicts of interest in annuity sales Fiduciary mindset and putting client interests first Why annuities should be evaluated by contractual guarantees only Using online tools to compare...

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Fun With Annuities® - The Annuity Man Podcast

Are you “surfing beside a cruise ship” in today’s all‑time‑high stock market, hoping you don’t get sucked under when the next downturn hits? In this solo episode, Stan the Annuity Man breaks down how to use annuities to lock in lifetime guarantees, build an income floor, and stop confusing a bull market with financial genius.   In this episode, The Annuity Man discussed:  Current stock market euphoria and AI-driven highs The “surfing beside a cruise ship” risk metaphor What annuities are actually good for (PILL framework) The annuity industry’s monopoly on...

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Fun With Annuities® - The Annuity Man Podcast

Real market growth never comes with surrender charges—and if it does, you’re not really in the market. In this episode, Stan The Annuity Man tears apart “too good to be true” annuity pitches and shows you how to separate true contractual guarantees from sales hype.    In this episode, The Annuity Man discussed:  Real market growth vs surrender charges Proper role of annuities and contractual guarantees Index annuities and income riders as delivery systems The PILL framework for what annuities actually solve Anonymous quote tool and consumer-first annuity...

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Fun With Annuities® - The Annuity Man Podcast

Retirement isn’t the end of your story—it’s Chapter Two, and it’s all about stacking reliable income so you can actually live the life you’ve worked for. In this episode, you’ll learn how to build a non‑market‑correlated income floor using annuities and other guarantees so you never outlive your paycheck.    In this episode, The Annuity Man discussed:  Defining “Chapter Two” and the three phases of retirement The concept of an income floor and non‑correlated income sources Why annuities have a monopoly on lifetime income (and why people still hate...

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Fun With Annuities® - The Annuity Man Podcast

In this solo episode, Stan, The Annuity Man, explains why trying to “time” annuities is a losing game—and how focusing on simple, contractual guarantees can transform your retirement income. If you’ve ever wondered whether to wait for better rates or turn on your income now, this breakdown will challenge your assumptions and put lifestyle back at the center of your planning.    In this episode, The Annuity Man discussed:  Why the “bell doesn’t ring” at the top or bottom in markets or annuities MYGAs and locking in fair contractual guarantees Lifetime income...

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In this episode, The Annuity Man and Pam Krueger discuss: 

  • Finding fiduciary financial advisors 

  • Customizing an annuity according to your goal 

  • Rejecting pushy pitches from agents 

  • Avoiding costly mistakes through education 

 

Key Takeaways: 

  • Seek independent, fee-only, fiduciary advisors focused solely on your interests, not commissions or product sales. 

  • Avoid one-size-fits-all annuity recommendations; annuities should be evaluated based on individual needs and financial situations.

  • Take advantage of the one-year do-not-solicit period after rolling over a 401(k) to an IRA to avoid urgent pitches from agents pushing specific products.

  • Thoroughly educate yourself, analyze the product, and seek a second opinion before committing large sums to annuities to avoid costly mistakes.

 

"People know when they're looking for advice, they want a fiduciary. They want someone who's fee-only because they want someone who works only for them, not someone who sells insurance or sells mutual funds" —  Pam Krueger

 

Connect with Pam Krueger:

Website: https://wealthramp.com/ | https://www.pamkrueger.com/ 

LinkedIn: https://www.linkedin.com/in/pamkrueger/ 

Twitter: https://twitter.com/PamkruegerTV 

 

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!