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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.
 
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That Annuity Show

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That Annuity Show

Nassau Financial Group

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We want to help every independent agent or retirement planner be successful explaining the benefits all types of annuities - fixed indexed annuities in particular. You should walk away each time you listen with some idea that will make your next client meeting run better.
 
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show series
 
Registered Index-Linked Annuities or RILAs have taken the broker-dealer market by storm over the past several years. David Hanzlik, Vice President, Annuity and Retirement Solutions at CUNA Mutual joins us to reflect on the recent growth of the product and how it may evolve over the next 2 years. Also, do you want to get regular updates on news abou…
 
In this episode, The Annuity Man and Wade Pfau discuss: Success in retirement RISA - Retirement Income Style Awareness Funding long-term care Reverse mortgages and risk pooling Key Takeaways: Retirement doesn't only mean stopping work, it's about being able to do what you want. Three retirement strategies: Total return investment strategy, time seg…
 
How can insurance carriers build an empathetic relationship with policyholders? How do we drive innovation in a stressful time within our companies and practices? Industry veteran Maria Ferrante-Schepis joins us today to share her view of the present and her hope for the future of the business. We hope you enjoy the show. Links mentioned in the sho…
 
In this episode, The Annuity Man and Dan Prescher discuss: Planning for travelling internationally Travelling internationally as a lifestyle change Minimalism and happiness Joining communities abroad Key Takeaways: Research is the key, start by ruthlessly profiling yourself and ask yourself what you can do without and what you can’t do without. If …
 
Today, we catch up with one of our first guests, H. Adam Holt, CEO of Asset-Map to discuss a wide variety of topics. He gives us a sneak peak of an algorithm his firm will release that will find the hidden gaps in your client's retirement plans. We also talk about the commitment that Adam and his firm have made to supporting diversity and inclusion…
 
In this episode, The Annuity Man and Mr. FIA-X discuss: Running away from lies and half-truths “Guaranteed increasing income” and other misleading statements Knowing how much you’ll really earn Why people choose annuities Key Takeaways: If anybody tells you that what they’re selling has “no downsides” - run away, don’t listen. Everything they're te…
 
Last week, we explored the psychology of building a retirement solution for a client that not only delivers results, but also adapts to the personality traits of your client. This week, in part 2 of our discussion, Dr. Wade Pfau and Alex Murguia explore how advisors and firms should change their engagement strategy and even their service offerings …
 
In this episode, The Annuity Man and John Lenz discuss: How people reacted to the new payroll tax rule for LTC in Washington state. Live, die, quit - find out what that means Making mathematical decisions for your retirement Key Takeaways: Live, die, quit. If you live, and you need long term care services, you’ll benefit. If you die, your family wi…
 
What makes a retirement recommendation not only work but also stick for you client? Could it be a combination of personality traits and beliefs about the market? We were really fortunate this week to have Dr. Wade Pfau and Alex Murguia on to discuss their research on the topic. They walk us through the tool they have built to help decode what exact…
 
In this episode, The Annuity Man and Kerry Pechter discuss: What is the Bermuda Triangle Strategy? How the Bermuda Triangle Strategy will affect you. The problem with the annuity industry. Prioritizing the consumer over anything. Key Takeaways: The points of the triangle are: a life/annuity company with large in-force, “blocks” of (usually) fixed a…
 
Carriers spend a lot of time talking about building strong policyholder relationships but how many actually have? Molly Black, Chief Product Officer at Life.io joins us today to talk about how her company makes those relationships a reality. What can we learn from their software design that we can apply to our own practices today? Also, do you want…
 
In this episode, The Annuity Man and Chuck Jaffe discuss: Some good examples of bad investments Issues with cryptocurrency Understanding indexed annuities Interest rates and inflation Key Takeaways: Some investments are unjustifiable and unnecessary. Cryptocurrency isn’t that different from gift checks, except you can actually spend gift checks. On…
 
Summer is almost over. What's the outlook for the annuity industry as we head back to our (virtual) offices? Sheryl Moore is the perfect guest to provide us with predictions and savvy forecasts. She graciously joins us today to talk about changes in carrier ownership, product design changes and regulatory evolution. Also, do you want to get regular…
 
In this episode, The Annuity Man and Owen Schrum discuss: The Retirement Crisis The Free Paradigm Unteaching things that people thought wrong Growth and guarantees - the truth about Structured Investments Key Takeaways: The retirement crisis cannot be solved by Social Security, you have to be the one to save yourself from this crisis with strategy,…
 
How do you create more income with less market risk and lower fees and income taxes than traditional retirement income plans for your client? Jerry Golden, President & CEO at Golden Retirement joins us today to talk about Go2Income and the service that his tools provide for advisors that do just that. Also, do you want to get regular updates on new…
 
In this episode, The Annuity Man and Jeff Miller discuss: Life expectancy and income level demographics Until what age should you wait? Figuring out your life expectancy Inflation, where is it going and how will it affect social security Key Takeaways: With any type of lifetime income-stream annuity, it’s all about life expectancy - the older you a…
 
In this episode, The Annuity Man and John Olsen discuss: The suitability approach and consumer trust How the annuity industry can be better Approaching people who hate annuities Risk management and risk transfer Key Takeaways: There is a considerable certainty that companies out there are determined to give the right product to their clients. If yo…
 
Healthcare typically is the biggest expense facing retirees. However, can you help you help your clients navigate the complexities of Medicare, Medicare Advantage and Medicare Supplement plans? I'm sure we will all get a lot of questions from clients as open enrollment begins in a few short weeks. To get a little smarter on the topic, we invited an…
 
In this episode, The Annuity Man and FIA-X discuss: Upfront bonuses on annuity and other bonuses to be wary of Looking for contractual guarantees in annuity contracts Uncapped products and other “modifiers” Monthly sum - what they’re actually saying Key Takeaways: Buying an annuity for the upfront bonuses is like buying a car to get the stereo Stay…
 
The regulators make us attest we know our clients. However, do we really know what makes them tick? Dr. Preston Cherry joins us today to discuss personality models and how they can improve how we deliver advice. Also, do you want to get regular updates on news from Dr. Cherry and other guests of our show? Go to https://thatannuityshow.com and subsc…
 
In this episode, The Annuity Man and Tom Hegna discuss: Saying no to DIY retirement What the right age for retirement is How annuity addresses inflation Securing guaranteed lifetime income with annuities Key Takeaways: Retirement is not a DIY project, do it with a professional. The age for retirement would not be the same for many. If you want to g…
 
How can we create more happy retirement planning clients? Tom Hegna joins our show today to share his insights on how to make this happen in your practice. Also, do you want to get regular updates on news from Tom and other guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show.Go to https:…
 
In this episode, The Annuity Man and Bradley Birkenfeld discuss: Corruption in the government and our justice system The problem with bank secrecy and facts about the relationship between our government and bankers Getting incarcerated for doing the right thing Tax evasion in wealthy groups and how corruption happens in places The future of cryptoc…
 
Many times when planning for retirement we often try to lock onto a specific date. However, it may be more productive for some to focus on their actual level of preparation for retirement. Today, Sheila Jelinek and Peter Sun from Milliman join us to talk about the genesis of the RISE tool which does exactly that. They explain how to get either your…
 
In this episode, The Annuity Man and Dana Anspach discuss: Juicing your retirement money How can you know if you’re “retirement-ready” What are some things you have to consider when setting up your retirement plan The four percent rule Key Takeaways: Don’t underestimate what more you can juice from your retirement plan. You might very well end up w…
 
The next few years promise to bring more change to our business than the last 50, according to our guest Jim Kerley. He should know. Jim has worked for carriers, launched businesses, and played a leading role at LIMRA. Today, he is managing partner of Clearview Partners and shares his perspective of change not only in the U.S. but around the world.…
 
In this episode, The Annuity Man and Bob Powell discuss: The new normal of today’s interest rates Good tips and strategies for building your retirement fund Some insights on Cryptocurrency Special Purpose Acquisition Companies and Key Takeaways: Use the "bucket strategy" for a low but somewhat stable yield even in unstable times Be very careful on …
 
When to take Social Security could arguably be the single most important decision you will make in retirement. Jack Sharry, EVP and CMO for LifeYield joins us today to talk about technology's role in helping us all make the optimal call. Also, do you want to get regular updates on news from Jack and other guests of our show? Go to https://thatannui…
 
In this episode, The Annuity Man and Christine Benz discuss: Why Christine is so passionate about financial education and retirement portfolio planning. Why decumulation is not bad (and when it is a good thing). Retirement blindspots to be aware of. Staying mindful of additional, variable costs in your spending plan. Bucket approach investing and p…
 
Are you ready to take a step out on the risk spectrum? Special guest Byron Boston, Chief Executive Officer, and Co-Chief Investment Officer of Dynex Capital, joins the conversation to share insights on Real Estate Investment Trusts (REITs): another potential source of income in retirement. Do you want to get regular updates on news from Byron and o…
 
In this episode, The Annuity Man and Dennis Miller discusses: What ROMEO is and how it influences Dennis and his writing. Why inflation is a personal thing. Diversifying for income guarantee and reducing risk. Answering the questions Dennis’s readers are asking. Key Takeaways: You must diversify if you are going to survive as a retiree and not rely…
 
What prevents clients from earning higher interest rates on their savings? Three factors - awareness, apathy, and inertia create road blocks according to Gary Zimmerman, Founder & CEO of MaxMyInterest.com. Gary joins us today to discuss the savings problem he solved for himself and is now sharing with clients and their advisors. Also, do you want t…
 
In this episode, The Annuity Man discusses: How the COVID19 pandemic has affected retirement plans. The Retirement Watch newsletter and how it can help you. What DC is doing that can affect retirement. Inflation and adding inflation hedges to your portfolio. Key Takeaways: While the focus of retirement planning is on the financial side, that is the…
 
Can we learn what may lie ahead for our industry from regulatory changes in Australia? Will RILAs and MYGAs prove to be the winning products of 2021? How must we change how we explain our products to consumers? We discuss answers to these questions and more this week with Harry Stout. Harry has headed carriers in the U.S. and Australia. He has work…
 
In this episode, The Annuity Man and John Lenz discuss: Spendthrift planning. Customizing the annuity contracts to achieve the specific goals you have in mind. Medicaid planning using annuities. Nonqualified stretch plans. Key Takeaways: There is nothing magical about the ability to manage money. It can be difficult regardless of the age of the ben…
 
Fixed Indexed Annuities in the U.S. market now offer crediting strategies that include over 100 proprietary indices. How should agents and advisors conduct due diligence in this environment? What factors really matter? Today, Laurence Black, founder of The Index Standard, shares his perspective with us on this very important topic. Also, do you wan…
 
In this episode, The Annuity Man and Bill Black discuss: What is happening in the life insurance space (especially during the current pandemic). How interest rates affect life insurance policies. Benefits of life insurance to the beneficiaries. What to watch out for in the sales pitch world of life insurance. Key Takeaways: Oftentimes, term insuran…
 
Michelle Richter, Principal at Fiduciary Insurance Services, joins us again to cover a wide variety of important industry topics. One of many that jumped out in today's conversation was the need for structural change in how the annuity industry services RIAs in the future. Some of these involve technology, other products, and probably not surprisin…
 
In this episode, The Annuity Man discusses: The historical journey of indexed annuities and how they’ve gotten to where they are today. The questions to ask your advisor about your indexed annuities. The golden rule of annuities - they have the gold, so they make the rules. The problems with backtested numbers. Key Takeaways: For anyone to say mark…
 
You may be one of those who says a SPIA is just a SPIA. Just don't say that in front of Tamiko Toland, Head of Research At CANNEX. In today's show, Tamiko talks about the wide variety of SPIAs available on the market. And, she discusses how we need to place them thoughtfully inside the financial plans of our clients. We also cover a few other unord…
 
In this episode, The Annuity Man and Terry Savage discuss: The Money Lady’s opinion on the current markets. The creation of money, interest rates, and the US budget deficit. How technology has changed investing. The coming hot topic of long term care. Key Takeaways: You don’t have to beat the market to be successful, you need to be in the market. I…
 
In an annuity market driven by indices, interest, and volatility, we often focus on the numbers and not the lives we touch. Joe Jordan, speaker, writer, & industry veteran joins us today to help us remember the purpose in the good work we do. To quote another Joseph, "People say that what we’re all seeking is a meaning for life. I don’t think that’…
 
In this episode, The Annuity Man and Jack Lenenberg discuss: The environment, products, and solutions in long term care currently available. The 6 daily functions of life and how they affect long term care. The best time to look into and apply for long term care. The answers to common questions that Jack is asked by customers. Key Takeaways: Your l…
 
The CBOE was founded in 1973. However, it wasn't until 2002 that the investment community could actually trade on the VIX - the volatility index - thanks to the work of Devesh Shah. Devesh joins us today to talk about how this opened the door for the creation of today's annuities and what may lie ahead. Please go to our website at thatannuityshow.c…
 
In this episode, The Annuity Man and Paul Merriman discuss: Making decisions that are in your, individual, best interest. Understanding what you’re trying to achieve and what you want to do with your investments in the market. Navigating the forks in the savings road. Finding your good enough return. Key Takeaways: To be a successful long-term inve…
 
How do independent investment advisors solve the retirement puzzle for their clients? Today, Yale Bock, Owner of Y H & C Investments offers his perspective after 30 years in the business. Yale contributes frequently for US News and Seeking Alpha.
 
In this episode, The Annuity Man and Gary Baker discuss: The pricing of lifetime income. How mortality tables (life expectancy tables) work and function within annuities and life insurance. The future of the annuity industry. How Cannex works with carriers and some of the challenges with doing so. Key Takeaways: You buy a life insurance contract in…
 
We all have our own unique story about how we found our way into the annuity business. Today, we'll share a very unique story that started behind the Iron Curtain, before Perestroika became reality in the heart of the Ukraine. This story belongs to David Novak, the creator of software that may arguably reshape our practices over the next five years…
 
In this episode, The Annuity Man discusses: Compliance at family offices, hedge funds, and other securities offices. Possible hiccups and downturns on the horizon. The misinformation around the 4% Rule. The research behind Barry’s book, The Pirates of Manhattan. Key Takeaways: Family offices have more assets (money under management) than hedge fund…
 
In this episode, The Annuity Man discusses: What cryptocurrency is and how blockchain works. Losing Bitcoin and the future of the cash dollar. Looking at cryptocurrency as an investment. Normalizing cryptocurrency with direct and indirect regulations. Key Takeaways: It is a speculation tool, an investment, but a very speculative one. That is, an in…
 
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