"Fun With Annuities" The Annuity Man Podcast

Paul Merriman: 7 Things You Should Be Doing With Your Retirement Portfolio

12 Apr 2022

Contributed by Lukas

In this episode, The Annuity Man and Paul Merriman discuss:  The seven big things you need to know about investment Putting children on a glide path...

Inverted Annuity Yield Curve: Shootin' It Straight with Stan

06 Apr 2022

Contributed by Lukas

In this episode, The Annuity Man discussed:  What does Inverted Annuity Yield Curve mean?  An opportunity in current events  Are A++ companies too...

Peggy Nicholson: Preparing for Death Without All The Information You Need

05 Apr 2022

Contributed by Lukas

In this episode, The Annuity Man and Peggy Nicholson discuss:  Lying in a shallow grave  How to live like you're dying  Letting money complicate y...

CBDC-Central Bank Digital Currency: Shootin' It Straight with Stan

30 Mar 2022

Contributed by Lukas

In this episode, The Annuity Man discussed:  The CBDC initiative  The taxing of cryptocurrency  Cryptocurrency is not going away  How blockchain ...

Charles Rotblut: What Individual Investors Need To Succeed

29 Mar 2022

Contributed by Lukas

In this episode, The Annuity Man and Charles Rotblut discuss:  Creating your own financial plan  Finding your real risk tolerance  History repeats...

Understanding Annuity Payout Options - Shootin' It Straight with Stan

23 Mar 2022

Contributed by Lukas

In this episode, The Annuity Man discussed:  Annuities are customizable  An example of life with cash refund  What does it mean to get a joint-lif...

Andy Panko: Financial Planning Demystified and Unemotional

22 Mar 2022

Contributed by Lukas

  In this episode, The Annuity Man and Andy Panko discuss:  How advisors should construct their fees  The complexity of decumulation  Making the...

Annuity Black Swan Event- Shootin' It Straight with Stan

16 Mar 2022

Contributed by Lukas

In this episode, The Annuity Man discussed:  What are Black Swan Events?  How current events affect everything  Making a decision solely for your ...

Ep 100: Michael Finke: Retirees Should Calculate to Not Be a Loser

15 Mar 2022

Contributed by Lukas

In this episode, The Annuity Man and Michael Finke discuss:  Delaying your decision to claim  Insulating your income from volatility  Inflation is...

Ep 099: Terry Savage: 5 Ways to Get Out of the Financial Mess You Don't Even Know You're In

08 Mar 2022

Contributed by Lukas

   In this episode, The Annuity Man and Terry Savage discuss:  Responding to the IRS return delays  Managing your beneficiaries  The opposite of...

Ep 098: Bill Black: Life Insurance Trends - Are Your Affairs In Order?

01 Mar 2022

Contributed by Lukas

In this episode, The Annuity Man and Bill Black discuss:  The predictability of death  Long-term care rider  Beating life insurance with investing...

Ep 097: Allan Roth: How A Second Grader Beats Wall Street

22 Feb 2022

Contributed by Lukas

In this episode, The Annuity Man and Allan Roth discuss:  Minimizing expenses and emotions Social security is the best annuity Monte Carlo simulatio...

Ep 96: Owen Schrum: Crypto, The Fed, and Other Things Not Said

15 Feb 2022

Contributed by Lukas

In this episode, The Annuity Man and Owen Schrum discuss:  Correction and volatility in 2022  Blockchain and cryptocurrency  What's causing supply...

Ep 95: Gary Baker: Hot Buttons Being Pushed by the Annuity Industry in 2022

08 Feb 2022

Contributed by Lukas

In this episode, The Annuity Man and Gary Baker discuss:  The bowling analogy  Four different types of protection  Contracts that serve the consum...

Ep 94: Jeff Miller: What's New With Social Security In 2022

01 Feb 2022

Contributed by Lukas

In this episode, The Annuity Man and Jeff Miller discuss:  Benefitting from an expert's guidance Inflation and increases in rates Correcting the soc...

Ep 93: John Lenz: What You Need To Know About Annuity Laddering in 2022

25 Jan 2022

Contributed by Lukas

In this episode, The Annuity Man and John Lenz discuss:  What does laddering mean?  Lowering risk until it's nonexistent Hybridization of annuities...

Ep 92: Ellie Saul: Mama Bear Speaks The Truth About Medicare

18 Jan 2022

Contributed by Lukas

In this episode, The Annuity Man and Ellie Saul discuss:  The difference between medicare and medicaid Selling and educating  Being on guard for mi...

Ep 91: Leah Brandt: Secrets Behind the Application Process With The Annuity Man

11 Jan 2022

Contributed by Lukas

In this episode, The Annuity Man discusses:  How the application process has changed with changing and evolving technologies.  Putting your trust a...

Ep 90: Michael Finke: Keys to Goal Based Retirement Planning

04 Jan 2022

Contributed by Lukas

In this episode, The Annuity Man and Michael Finke discuss:  Two choices in retirement  The worst case scenario in retirement Thrift is good until ...

Ep 89: Mr. FIA-X: The Empty Promises Behind Fixed Index Annuities

28 Dec 2021

Contributed by Lukas

In this episode, The Annuity Man and Mr. FIA-X discuss:   Avoiding upfront bonuses  Prioritizing the interests of the consumer  Market-like retur...

Ep 88: David Blanchett: Retirement Income Investing In A Low-Yield World

21 Dec 2021

Contributed by Lukas

In this episode, The Annuity Man and David Blanchett discuss:  People's irrational preference  A gap between perceived and actual ability Is crypto...

Ep 87: Jason Fichtner: Understanding A Changing Retirement Landscape

14 Dec 2021

Contributed by Lukas

In this episode, The Annuity Man and Jason Fichtner discuss:  Preparing for depletion Preaching to a hurricane  Maximizing returns and minimizing r...

Ep 86: Steve Parrish: Rational and Phased Retirement Planning

07 Dec 2021

Contributed by Lukas

In this episode, The Annuity Man and Steve Parrish discuss:  People don't understand annuities Preparing for diminished capacity Life expectancy is ...

Ep 85: Bob Carlson: The Good News and Gotchas Around Tax Wise Investing

30 Nov 2021

Contributed by Lukas

In this episode, The Annuity Man and Bob Carlson discuss:  Current taxation and retirement climate Changes in Roth IRA rules Strategies you can use ...

084: Leah Brandt: The Woman CEO Running The Annuity Man

23 Nov 2021

Contributed by Lukas

In this episode, The Annuity Man and Leah Brandt discuss:  Seeing things from the client's perspective When annuities are bought Making annuities ea...

083: Jack Lenenberg: How To Qualify for Long-Term Care

16 Nov 2021

Contributed by Lukas

In this episode, The Annuity Man and Jack Lenenberg discuss:  The truth about long-term care Transferring annuity to annuity with an IRS 1035 exchan...

082: Terry Savage: Financial Realities Right Now

09 Nov 2021

Contributed by Lukas

In this episode, The Annuity Man and Terry Savage discuss:  Is inflation going to be transitory?  Getting ready for a collapse The Great Resignatio...

081: Tom Hegna: Mortality Credits Drive The Income Train

02 Nov 2021

Contributed by Lukas

In this episode, The Annuity Man and Tom Hegna discuss:  Mortality credits: the secret sauce of annuities Trends in life expectancy Predicting the e...

080: Jamie Hopkins: Retirement Planning And The Why That Makes You Cry

26 Oct 2021

Contributed by Lukas

In this episode, The Annuity Man and Jamie Hopkins discuss:  ROS - Return on Sleep From an accumulation to a decumulation mindset Living your retire...

079: Loren Feldman: Transition To Retirement As A Life Entrepreneur

19 Oct 2021

Contributed by Lukas

In this episode, The Annuity Man and Loren Feldman discuss:  Entrepreneurs and retirement  Investing for business owners Passion and confidence on ...

078: Wade Pfau: Retirement Income Style Awareness

12 Oct 2021

Contributed by Lukas

In this episode, The Annuity Man and Wade Pfau discuss:  Success in retirement RISA - Retirement Income Style Awareness Funding long-term care Rever...

077: Dan Prescher: No U-Hauls Behind Hearses

05 Oct 2021

Contributed by Lukas

In this episode, The Annuity Man and Dan Prescher discuss:  Planning for travelling internationally Travelling internationally as a lifestyle change...

076: Mr. FIA-X: Letters, Numbers, and BS Bonuses

28 Sep 2021

Contributed by Lukas

In this episode, The Annuity Man and Mr. FIA-X discuss:  Running away from lies and half-truths  "Guaranteed increasing income" and other misleadin...

075: John Lenz: The Annuity Mechanic says Live, Die...or Quit

21 Sep 2021

Contributed by Lukas

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...

074: Kerry Pechter: Bermuda Triangle Retirement Zone

14 Sep 2021

Contributed by Lukas

In this episode, The Annuity Man and Kerry Pechter discuss:  What is the Bermuda Triangle Strategy?  How the Bermuda Triangle Strategy will affect ...

073: Chuck Jaffe: Money Life and Your Life

07 Sep 2021

Contributed by Lukas

In this episode, The Annuity Man and Chuck Jaffe discuss:  Some good examples of bad investments Issues with cryptocurrency Understanding indexed an...

072: Owen Schrum: When Free Ain't Free

31 Aug 2021

Contributed by Lukas

In this episode, The Annuity Man and Owen Schrum discuss:  The Retirement Crisis The Free Paradigm Unteaching things that people thought wrong Growt...

071: Jeff Miller: Social Security Strategies Explained

24 Aug 2021

Contributed by Lukas

In this episode, The Annuity Man and Jeff Miller discuss:  Life expectancy and income level demographics  Until what age should you wait?  Figurin...

070: John Olsen: Annuity Royalty Shares Wisdom

17 Aug 2021

Contributed by Lukas

In this episode, The Annuity Man and John Olsen discuss:  The suitability approach and consumer trust  How the annuity industry can be better  App...

069 Mr. FIA-X: More Index Annuity Secrets

10 Aug 2021

Contributed by Lukas

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...

068: Tom Hegna: Don't Worry, Retire Happy!

03 Aug 2021

Contributed by Lukas

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 in...

067: Bradley Birkenfeld: Exposing Corruption and Creating a Better System

27 Jul 2021

Contributed by Lukas

In this episode, The Annuity Man and Bradley Birkenfeld discuss:  Corruption in the government and our justice system The problem with bank secrecy ...

066: Dana Anspach: Juicing Your Retirement Plan

20 Jul 2021

Contributed by Lukas

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 som...

065: Bob Powell - The Voice for Your Retirement

13 Jul 2021

Contributed by Lukas

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 retire...

064: Christine Benz: Avoiding Blind Spots in Your Retirement Portfolio Planning

06 Jul 2021

Contributed by Lukas

In this episode, The Annuity Man and Christine Benz discuss:  Why Christine is so passionate about financial education and retirement portfolio plan...

063: Dennis Miller: Your Comfortable Retirement Guarantee

29 Jun 2021

Contributed by Lukas

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 pers...

062: Bob Carlson: Unlocking the Secrets of Social Security and Your Retirement Plan

22 Jun 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  How the COVID19 pandemic has affected retirement plans. The Retirement Watch newsletter and how it can ...

061: John Lenz: The Annuity Mechanic Thinks Outside The Box

15 Jun 2021

Contributed by Lukas

In this episode, The Annuity Man and John Lenz discuss:  Spendthrift planning.  Customizing the annuity contracts to achieve the specific goals you...

060: Bill Black: The Math and Taxes of Life Insurance

08 Jun 2021

Contributed by Lukas

In this episode, The Annuity Man and Bill Black discuss:  What is happening in the life insurance space (especially during the current pandemic).  ...

059: FIA Insider Wears Mask to Protect Identity and Share Industry Secrets

01 Jun 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The historical journey of indexed annuities and how they've gotten to where they are today.  The quest...

058: The Moneylady® Terry Savage Holds Nothing Back

25 May 2021

Contributed by Lukas

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...

057: Jack Lenenberg: Long Term Care

18 May 2021

Contributed by Lukas

In this episode, The Annuity Man and Jack Lenenberg discuss:  The environment, products, and solutions in long term care currently available.  The ...

056: Paul Merriman: We're Talking Millions

11 May 2021

Contributed by Lukas

In this episode, The Annuity Man and Paul Merriman discuss:  Making decisions that are in your, individual, best interest.  Understanding what you'...

055: Gary Baker: The Annuity Data Maker

04 May 2021

Contributed by Lukas

In this episode, The Annuity Man and Gary Baker discuss:  The pricing of lifetime income.  How mortality tables (life expectancy tables) work and f...

054: Barry Dyke: Markets, Risk, and Retirement Income

27 Apr 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  Compliance at family offices, hedge funds, and other securities offices.  Possible hiccups and downtur...

053: Owen Schrum discusses Bitcoin and explains Blockchain

20 Apr 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  What cryptocurrency is and how blockchain works.  Losing Bitcoin and the future of the cash dollar.  ...

052: Annuities and Inflation

13 Apr 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The relationship between annuities and inflation.  Don't believe the pitch, understand the contract. ...

051: Questions to Ask Your Advisor About Annuities

06 Apr 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The top questions to ask your advisor about annuities.  Knowing which questions are deal-breakers from...

050: Retirement Cash Flow from SPIAs

30 Mar 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  Why we don't care about the cash flow percentage that other sites put by their numbers.  The best imme...

049: Retirement Withdrawal Strategies

23 Mar 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  What the 4% Rule is and how it affects you.  Annuities are the only product that can provide a lifetim...

048: Best Type of Annuity for Retirement

16 Mar 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The different types of annuities and how they can work for you in retirement.  Understanding your spec...

047: Annuity News: Vanguard Annuities Now with Transamerica

09 Mar 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The original purpose of a variable annuity.  The mess that has been caused by Transamerica now taking ...

046: 5 Choices with a FIA and Income Rider

02 Mar 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  How to know if you even need an annuity.  Shopping all carriers for your specific situation.  The 5 c...

045: Fixed Index Annuities - Are They a Good Investment?

23 Feb 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  Understanding how a fixed index annuity works, rather than how it is pitched.  The dangers in backtest...

044: How to Shop for Annuity Rates Like a Pro!

16 Feb 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  What is meant when we talk about annuity rates.  The three primary lifetime income products in the ann...

043: Why Renewal Rates are the Secret to Fixed Index Annuities

09 Feb 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  What an index annuity is.  Buying the contractual reality, not the dream.  Why renewal rates are the ...

042: MYGA Secrets You Need to Know

02 Feb 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  What a MYGA (Multi-year Guaranteed Annuity) is.  The negatives to a MYGA.  The length of time on a MY...

041: Why You Should Take a Closer Look at Income Riders

26 Jan 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  What an income rider is (and it isn't an annuity).  The income rider versus the accumulated value side...

040: Your 4 Choices at the End of a MYGA Term

19 Jan 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The simplistic nature of MYGAs.  The end of term flexibility of a MYGA.  Why you can't broad brush al...

039: Inherited Annuities: What are your specific choices?

12 Jan 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  The best thing to do if you have inherited an annuity.  Understanding the type of policy that you are ...

038: Pension Payment or Lump Sum: Which One Do You Take?

05 Jan 2021

Contributed by Lukas

In this episode, The Annuity Man discusses:  Understanding the claims payability of the company that is offering the pension payment. Knowing what y...

037: Timing Your Annuity Purchase...Is It Possible?

29 Dec 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Investors vs annuity buyers.  Understanding the contractual guarantees and making sure they work for y...

036: Annuities vs. The Stock Market: The Brutal Truth About Both

22 Dec 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Having money in the stock market (even if you don't have or need an annuity). Why you should be in the ...

035: Should You Transfer Your 401K Retirement Plan to an Annuity?

15 Dec 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  What a 401K is and how it affects your retirement.  Market growth versus contractual guarantees.  Sho...

034: Annuity Laddering Strategies: How They Actually Work

08 Dec 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Laddering for principal protection vs. Laddering for lifetime income.  The customizable nature of ladd...

033: Annuities vs. Life Insurance: Which is Better & How Do They Differ?

01 Dec 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  How life insurance and annuities differ, despite being sold by the same companies.  The variance in th...

032: Annuity Financial Advice for Seniors & Baby Boomers

24 Nov 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Determining if you need an annuity. Annuities are not one size fits all - they are contractual guarante...

031: Annuity Transfers: How the Process Works and Should You Do It

17 Nov 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Types of annuities that are and are not transferable.  Buying and transferring an annuity inside of an...

030: Annuity Calculators: How to Use Them for Maximum Results

10 Nov 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  The misinformation around annuities.  How buying an annuity is like buying a plane ticket.  Maximizin...

029: Retirement Annuities: Which Type Is Right For You?

03 Nov 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  The limitations and benefits of the different types of annuities.  Knowing if an annuity is right for ...

028: Annuity Death Benefits: How They Work & The Choices Offered

27 Oct 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Structuring your lifetime income payment to go to your beneficiary, not the evil annuity company.  Lif...

027: Social Security Annuity: Why Every US Citizen Already Owns an Annuity

20 Oct 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Congratulations! You already own the best inflation annuity on the planet - Social Security! Shoulderin...

026: What To Look Out For With Over-hyped Annuity Sales Pitches

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  The importance of contractual guarantees driving your buying decision Why you should never buy annuitie...

025: How To Shop For An Annuity To Get The Best Deal

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Why he offers both personal service and do-it-yourself choices How all annuity types are commodities Wh...

024: How Annuity Companies Make Money On Your Annuity

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  How annuity companies are more regulated than banks Where annuity companies are required to put your mo...

023: How The Secure Retirement Act & DC Affects Annuities

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Why DC wants people to start planning for their retirement income How Qualified Longevity Annuity Contr...

022: How Annuity Confinement Care Riders & Enhanced Benefit Payouts Work

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Why Long Term Care coverage is a concern for many people The two different types of enhanced benefit ty...

021: Potential vs. Contractual Annuity Returns

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Why annuities should be purchased for their contractual guarantees Why annuities should never be purcha...

020: What Do Annuities Contractually Solve For?

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  Why the buying decision should be based solely on contractual guarantees Always take the P.I.L.L. to de...

019: The Safety & Suitability of Annuities

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  The five safest places to put your money How fixed annuity types are safe transfer of risk strategies H...

018: How To Build Your Guaranteed Income Floor

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  How to build your Guaranteed Income Floor How annuities should be a part of your "income flooring" plan...

017: Explaining Annuitization Structuring Choices

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  What annuitization means and how it works  The different structuring choices and how they work How you...

016: Do You Need Contractual Income Now or Income Later?

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  How annuities started in the Roman Times Annuities are the only product that guarantees lifetime income...

015: Which is better...CDs or MYGAs?

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  The differences and similarities between these two products Why buyers should consider both MYGAs & CDs...

014: How To Determine If You Even Need An Annuity

31 Jan 2020

Contributed by Lukas

In this episode, The Annuity Man discusses:  The fallacy of the one-size fits all annuity pitch The two pillar questions to ask yourself Take the an...

013: How the Annuity Buying Process Works with The Annuity Man

15 Oct 2019

Contributed by Lukas

In this episode, The Annuity Man discusses:  Step by step application process to own an annuity  Fixed annuities are regulated at the state level ...

012: Unique Annuity Man Strategies that contractually work

15 Oct 2019

Contributed by Lukas

In this episode, The Annuity Man discusses:  Annuities can be held inside of IRAs, Roth IRAs, and Non-IRA accounts  Legacy & contractually leverage...

011: Decoding Annuity Sales Pitches & Misleading Advertising

15 Oct 2019

Contributed by Lukas

In this episode, The Annuity Man discusses:  How to buy the annuity steak, not the sales-pitch sizzle  Own an annuity for what it "Will Do. Not mig...

010: How to create a Guaranteed Income Floor?

15 Oct 2019

Contributed by Lukas

In this episode, The Annuity Man discusses:  What an income floor is and why it should matter to you  Creating an income floor for your specific si...

009: How do Interest Rates affect different Annuity Types?

15 Oct 2019

Contributed by Lukas

In this episode, The Annuity Man discusses:  How interest rates affect each annuity type  How life expectancy and interest rates work with each inc...