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@EdfromCanada 7 сағат бұрын
There are 3 key items to look at: 1. Break even. How many years do you have to live in order to make your Money back? 2. Look at the mortality tables to quantify your annuity gamble. 3. Quantify your anticipated ROI by each year of life and graph the results. Conclusion: for me SPIAs are a lousy bet.
@rightwingprofessor1356 4 сағат бұрын
Did you miss the part about there not being an ROI...until you die? If you are buying annuities as a "gamble," as would be assumed, since you referred to "betting," you aren't buying annuities for their primary purpose...guaranteed, lifetime interest. If you want to gamble, go to a Casino. Either way, you do you. I LOVE my guaranteed income, my social security benefits, my 2 years of cash, dnd my Vanguard Portfolio, invested in VTI and VXUS! (95%/5%) Love the videos Stan.
@EdfromCanada 4 сағат бұрын
@rightwingprofessor1356 The part of the video that says you do not get an ROI until you die makes no sense. Mortality tables are the key that assists in evaluating the worth of an annuity. It is a fool who would turn a blind eye or ignore quantifying the ROI over the expected life span.
@billmoyer3254 3 сағат бұрын
@@EdfromCanada so Ed, you know when you'll croak?
@vmaxrydr1 9 сағат бұрын
I have a qualified annuity with GLWBR is there any way to move it into a Roth IRA?
@ErikBerger-b1s 15 сағат бұрын
Is the income on an indexed annuity inside a Roth not taxed ?
@StanTheAnnuityMan 13 сағат бұрын
Great question! I cover this topic in detail below: www.stantheannuityman.com/learn/are-roth-ira-annuity-payments-taxed.
@billmoyer3254 Күн бұрын
Are "A" rated companies safe enough for income riders?
@StanTheAnnuityMan 13 сағат бұрын
It depends on your goals. Let's discuss: www.stantheannuityman.com/book-a-call
@steves3234 2 күн бұрын
My CFP recommended an annuity with an income rider that will have the amount increase for 10 years after it starts before the amount becomes fixed. So I will have a very nice floor with this and Social security I will have 85K eventually with the annuity up to 46k more than whatever social security COLAs are I am very happy with my floor.
@StanTheAnnuityMan 13 сағат бұрын
That sounds great! If you have any questions, please feel free to reach out: www.stantheannuityman.com/book-a-call
@johnh4833 2 күн бұрын
Great video. Definitely believe you need to look at all the financial tools to feel better about your future. Stan since you've been in the Annuity biz so long, can you provided general feedback from clients and there feelings about their annuities once they have been receiving income for 5 or 10 years?
@TheZrpilot 2 күн бұрын
stan, is there a contractual guarantee against the company going out of business, thereby killing the annuity?
@StanTheAnnuityMan 13 сағат бұрын
Great question! Annuities are backed by the financial strength and claims-paying ability of the issuing insurance company. State guaranty funds also provide a safety net up to certain limits if an insurer becomes insolvent. If you have any questions, or would like to dive into this further, please feel free to reach out: www.stantheannuityman.com/book-a-call
@conureron3792 2 күн бұрын
I developed an anticipated retirement budget and subtracted out my expected Social Security benefit. That gap in expenses, a financial advisor looked at that number and said I could secure an annuity to cover that gap. I had a great deal of anxiety about market volatility and managing my portfolio, etc before. Once I got that annuity, my anxiety about market volatility went away. The annuity allows me to be much more aggressive in my growth bucket.
@Sackattack_ 2 күн бұрын
I'm thinking of doing the same. I'm contemplating supplementing SS with either a SPIAA, MYGA, or money market, depending on what interest rates are when I get there. Like you, I will be fine being 80-100% stocks with the rest of my 401k, if I have the necessities covered by guaranteed income. The 401k would be "play" money, like for travel etc.
@StanTheAnnuityMan 13 сағат бұрын
That’s a fantastic approach, and it highlights one of the key benefits of annuities: peace of mind. By securing a guaranteed income stream to cover your essential expenses, you've effectively removed the anxiety about market volatility. This strategy, often called "income flooring," ensures your basic needs are met, allowing you to be more aggressive with the rest of your portfolio. If you have any questions, or would like to dive into this further, please feel free to reach out: www.stantheannuityman.com/book-a-call
@marilynb4478 3 күн бұрын
I saw this Dave Ramsey video as well as another one where he called Social Security stupid. I then blocked all of his videos from my KZbin feed. Perhaps he is good for people who need some tough love to get out of debt. I hope you are successful in linking up with him because some of his followers could very well benefit from the security of a simple annuity if they only understood them.
@1jet55 3 күн бұрын
Have bought 3 MYGA's from Stan, no issues and seamless easy as pie. And love those 5.8% rates I am getting these days. Run the inflation risk, but what is not a risk short of TIPS but they don't come close now
@StanTheAnnuityMan 13 сағат бұрын
Thank you for your continued trust and for sharing your experience! It’s great to hear how seamless and easy the process was for you. Those 5.8% rates are definitely a strong selling point, especially in today’s market. As you mentioned, all investments carry some form of risk, but MYGAs offer a solid, predictable return without the volatility of the stock market. While inflation risk is always a consideration, it’s about finding the right balance for your financial goals. You’re right-TIPS have their place, but they don’t always match the current appeal of MYGA rates. Thanks again for your feedback, and I’m here for any future needs!
@melissastroud 3 күн бұрын
Purchased Atlantic Coast Annuity almost a year ago, 5 year surrender, State of South Carolina has halted sales recently, AM Best downgraded to BBB. They've been around since 1925, i am nervous. Should i move this, eating surrender fees, and to who. I used PILL to judge my purchase.
@StanTheAnnuityMan 13 сағат бұрын
I understand your concerns about the Atlantic Coast Annuity. It’s important to carefully evaluate your options, especially with the recent developments. Let’s schedule a call to discuss your situation in detail and determine the best course of action. You can book a time that works for you here: www.stantheannuityman.com/book-a-call. We'll review your options and make sure you’re on the right track. Looking forward to assisting you!
@TitleWaive1 3 күн бұрын
Using a fixed annuity as a bond replacement manages risk vs. having 100% at risk in mutual funds and bonds, etc.
@StanTheAnnuityMan 13 сағат бұрын
Using a Fixed Annuity as a bond replacement can be a smart strategy for managing risk, especially compared to having 100% of your portfolio in mutual funds, bonds, or other market-sensitive assets. Fixed Annuities provide a guaranteed income stream, which can offer stability and protection from market volatility. Unlike mutual funds and bonds, Fixed Annuities are not subject to market fluctuations, giving you peace of mind that your principal is protected. This can be a solid way to diversify your portfolio and manage risk, especially in uncertain economic times.
@timothythompson4036 3 күн бұрын
Dave Ramsey is good for getting out of debt. His advice on annuities and life insurance is terrible. Ramsey is only a financial entertainer. Much of what he advises is wrong.
@rightwingprofessor1356 4 күн бұрын
If it walks like an annuity, and quacks like an annuity, it's an annuity, and it will be taxed as one. Ordinary income for IRA Accounts. NOW...there is a way to avoid taking the RMD from the annuity...IF YOU HAVE ANOTHER IRA, because you can take ALL your RMDs from ANY IRA, as long as it's not an inherited IRA. (Different Rules.) That is what I do. I take my RMDs from my Vanguard Dollars and I leave my IRA Annuity moneys invested , so it can keep the Internal Income Account growing by 8.25% annually.
@JohnHobbs-o3z 4 күн бұрын
Dave Ramsey has not become rich because hes an investment genius,its because stupid people give him their money,the guy is an idiot.
@Amir-je6wl 4 күн бұрын
A bond ledder of treasury bonds would be a better option for a bit higher return, more safety and a lot more flexibilty. But an annuity is better for the average Joe. An annuity grows tax free which makes it more attractive in a non IRA/401K account. Assuming 5% bond rates (true in Jan, 2025), one can invest $100,000 by splitting it as follows:: $7K - first year, $7k/1.05 - 1 year bond , $7k/1.05^2 - 2 year bond,... $7k/1.05^22 - 22 year bond. For a 65 year old man, $103,500 will pay close to 7% for 25 years which is away more than typical life expactancy.
@lesterbeals1443 4 күн бұрын
Can anyone here explain their annuity and what riders they have?
@lesterbeals1443 4 күн бұрын
How about this? Total retirement income = 40% from soc sec + 60% from 401K. 401K = bonds/international/S&P500 index funds.
@lesterbeals1443 4 күн бұрын
I don't trust annuities. One reason is they seem needlessly complicated. Seems simple at first, then they bulk it up with optional riders, each costing more money, am I wrong? Then, some are linked to manufactured indexes which I've never heard of. Old axiom, complicated is the friend of the salesman... Another reason, they promise unheard of yields for safe investments. While we struggle for a safe 4%, FDIC insured, they promise, 7% or more? Guaranteed? Another axiom "if it sounds too good to be true, it probably is..." Competitors say that once you sign up, you'll never hear from them again... Tell where I'm wrong here.
@StanTheAnnuityMan 13 сағат бұрын
I hear your concerns, and I understand why you might feel that way. Here at The Annuity Man, we do things much differently. We pride ourselves on being the #1 Annuity Agent in the country, and our focus is on transparency, simplicity, and ensuring our clients fully understand what they’re getting into before making any decisions. You're right that some annuities can get complicated, especially with optional riders that cost extra. However, I always recommend keeping things simple and avoiding unnecessary riders unless they truly serve a purpose for your financial goals. When it comes to Fixed Annuities, we focus on the guaranteed, straightforward benefits-no gimmicks or hidden costs. If you'd like to explore this conversation further, feel free to reach out to us anytime. www.stantheannuityman.com/book-a-call
@Oilfieldscout 4 күн бұрын
Every annuity sales person I have ever delt with, when I tell them what I want, goes into the schpeel about different products. I know what I want to buy, but it is not what they want to sell. I can go on the internet and buy hindreds of investment products. But for annuities, I have to put up with all the fear mongering about running out of money and 50% market crashes. None of them have set down, looked at what we get from SS, what our expenses are and what our porfolio returns a year.All they seem to see is the porfolio size and immediately go into the sales schtick to get as much into whatever product THEY feel we need to be in. Sorry for the rant. But I have a really bad taste in my mouth with annuity salespeople or financial advisors who sell one companies product.
@StanTheAnnuityMan 12 сағат бұрын
I completely understand where you're coming from. Unfortunately, many people experience the same frustration with annuity salespeople who don't take the time to listen and understand their unique needs. Here at The Annuity Man, we do things much differently. We’re the #1 Annuity Agents in the country because our approach is centered on you-not on selling products you don't need or want. If you'd like, give us a call and we’ll help you navigate your options with the transparency and care you deserve. We're here to help in any way we can. www.stantheannuityman.com/book-a-call
@joespeel 4 күн бұрын
3 yr myga in Wisconsin today 5.2%
@dennisyoungblood2035 4 күн бұрын
commissions / surrender charges? rates are going up?
@steves3234 4 күн бұрын
I agree I got an annuity to give me a better floor with my social security. This allows me to hopefully let my IRA grown untouched to go to my kids.
@StanTheAnnuityMan 12 сағат бұрын
That’s a smart strategy! By using an annuity to create a solid floor alongside your Social Security, you're ensuring a reliable income stream for yourself while allowing your IRA to grow untouched. This approach not only offers peace of mind for your retirement but also sets you up to pass along a larger, more secure inheritance to your kids.
@steves3234 4 күн бұрын
To me nothing wrong with an annutiy for garunteed payments if one can afford to buy one. I bought one that has an income rider so will stary at 33600 and move up to 45k. This is above and beyond the other 2.4 million in IRAs. Dave is not worth listening to he is my way or you're stupid. No one needs to be exposee to a jackass like that.
@bigtime911 4 күн бұрын
How do we get a stan annuity man tshirt?😊
@rajbeekie7124 4 күн бұрын
An annuity in an IRA account is a sure way to get the agent a commission. Over the years I have grown to dislike annuities. In my 30s my wife and I were sold annuities. After 25 years the return on those annuities was less than 4%. The agent moved to different funds within the annuities using the sell low buy high strategy. If I had put that money into a brokerage account in an index fund my money would have been 5 times what was in the annuities. When I hear annuity I hear RUN!!!!!!!!!!!!!!!!!!!!
@mikeglozier9001 5 күн бұрын
Stan- you are too nice to Dave.
@tscottbaker2980 3 күн бұрын
Ramsey and his ignorance of guarantees is beyond belief.
@mikeglozier9001 5 күн бұрын
Dave R. says never buy an annuity or cash value life insurance. They are a financial tool, just like a mutual fund. Not using all the tools available is stupid. He once told a man with a disabled son to buy a term life insurance policy. If there was EVER a situation that warranted permanent life insurance, this was it. I never listened to him again.
@StanTheAnnuityMan 12 сағат бұрын
I completely understand your frustration with Dave R.’s advice. Annuities and cash value life insurance can be incredibly useful tools, depending on your unique financial situation and goals. At Stan The Annuity Man, we don't take a one-size-fits-all approach. We evaluate each client's needs thoroughly before recommending any product, ensuring it's the best fit for their specific circumstances.
@EthanMurray-h7u 5 күн бұрын
Dave is a dumb ass sometimes. He also thinks an 8% withdrawal rate is fine. An annuity might make sense for someone who can't control their spending. Dave should be required to get a CFP license if he is going to give life altering financial advice
@woodsparker7902 5 күн бұрын
Stan, I 100% agree that the services you provide would be complementary to the services that Dave provides. You are more focused on establishing the safe foundation of a retirement plan, aka the floor to meet living expenses without out worry of market turbulence. Dave, on the other hand, tends to focus on the growth side of the portfolio. A plan that allows the individual experience both growth and an element of SWAN (sleep well at night) would not use an all or nothing approach. This is why we have different tools in the toolbox! Would you trust a mechanic who promises to fix your car with a hammer and only a hammer?
@StanTheAnnuityMan 12 сағат бұрын
Thanks for the thoughtful comment! You’re absolutely right - building a retirement plan isn’t about choosing one approach over the other. It’s about creating a balance. As you mentioned, you wouldn’t trust a mechanic who only uses one tool, a well-rounded retirement strategy uses all the right tools for the job. It’s about giving clients peace of mind!
@bradwilliams4921 5 күн бұрын
I think in simple terms Dave Ramsey is bullish on Mutual Funds while Stan is very conservative. Just my opinion.
@rudged123 5 күн бұрын
I was planning to purchase a SPIA when I retire several years from now using savings I've accumulated in a 403(b) account using pre-tax dollars deposited on my behalf by my employer. Would the annuity so purchased remain within the 403(b) account?
@StanTheAnnuityMan 12 сағат бұрын
Great questions! For me to give you an answer about your specific situations, please feel free to book a call with us: www.stantheannuityman.com/book-a-call
@douglasx6915 5 күн бұрын
Dave Ramsey is a fckn huckster. The female version of Suze Orman. Don’t get in debt and let’s make a show out of people stupidity. Gee what a concept!!
@shawn2380 5 күн бұрын
Ramsey only good advice - don't get in debt, get out of debt. Other than that he is a huckster, making garbage up as he goes. Don't be a fan.
@HomeLoansByCarlosScarpero 5 күн бұрын
Agree. Sadly Dave ventures into a lot of places that he is not qualified to discuss.
@CBDguitar 5 күн бұрын
@@HomeLoansByCarlosScarpero No surprise, after all he is a very devoted Christian who likes Trump. 🤣😂
@jayholiday256 4 күн бұрын
He made up most of his advice 30 years ago, some was right, some was wrong, and it is crazy outdated
@williamflatley8804 4 күн бұрын
@@jayholiday256 He most likely is getting kick backs from mutual fund companies. They can afford to pay him because they make alot more money by charging much higher expense ratios than ETFs.
@timothythompson4036 3 күн бұрын
@@shawn2380 Unfortunately, Dave Ramsey is only a financial entertainer.
@0007tad 5 күн бұрын
Ramsey are for the low hanging fruit crowd , that does not have a clue about Finances...
@albertooliel2635 5 күн бұрын
Look like tiaa traditional
@TheItrucker 5 күн бұрын
Dave Ramsey has never heard of low or no expense ratio stock index ETF's?
@jaspermack176 5 күн бұрын
I thought you are bold to correct Chester. Well Dave is Chester in this case. Speak up!
@markehesse5000 5 күн бұрын
I have seen this video before but love it! Also, I just bought 4 annuities (2 SPIA's & 2 MYGA's) from Stan the Annuity Man!!! Thanks Stan!!!!
@markehesse5000 5 күн бұрын
and 2 of the annuities that I bought were in my SEP IRA!
@StanTheAnnuityMan 12 сағат бұрын
Thank you so much for the kind words and trust in The Annuity Man! I'm glad you love the video and congratulations on your annuity purchases! With those SPIAs and MYGAs, you’ve taken solid steps toward building that secure foundation for your retirement. If you ever need anything else or have questions about your annuities, don’t hesitate to reach out.
@jaspermack176 5 күн бұрын
You are being very kind to Dave like you are afraid of him
@johnaleffi5509 5 күн бұрын
What if these insurance companies go bankrupt. Do you get your money back. Is there some fdic insurance that covers your principal if the Annuity company goes bankrupt. . Nobody talks about that. Has that ever happened like in the Great Recession. How come CNBC never talks about annuities. Are annuities a scam. I am very confused. What about fees
@tamb7587 4 күн бұрын
Each state insures annuities up to a certain amount of. There are certain requirements that must be met such as the annuity broker must be licensed in your state to be covered. Stan’s books and you tubes have the information you need to know to find out your state’s requirements there is a website. In Texas annuities are insured up to $$250,000.
@StanTheAnnuityMan 12 сағат бұрын
Great question! Annuities are backed by the financial strength and claims-paying ability of the issuing insurance company. State guaranty funds also provide a safety net up to certain limits if an insurer becomes insolvent. If you have any questions, or would like to dive into this further, please feel free to reach out: www.stantheannuityman.com/book-a-call
@eddenoy321 6 күн бұрын
Dave is even more incorrect in 2025. Since myga's and even Cd's are still between 4-5 % now and have been for the past few years. 10% on etf's ? Pfft.... smh.
@BiscuitBoyTN 6 күн бұрын
Love 20 year period certain as an option. No risk, great payout !!
@sirsanko 6 күн бұрын
Thank you Stan! for your information over the last few years! I have a pension from the employer, social security & and 2 MYGA! One, I'm getting the monthly interest, as this is a 5yr large annuity at 5.55% & the other is a 3yr annuity at 5.10% with in 3yrs gains approx. 11,700 which I'm not touching... The first was in 2023 when the interest rate was great & the 2nd was last month...STAN you are the MAN 💯!
@StanTheAnnuityMan 12 сағат бұрын
Thank you for the kind words! I’m thrilled to hear that the information I’ve provided has been helpful over the years, and it sounds like you’re in great shape with your pension, Social Security, and annuities! The MYGAs with solid interest rates and gains are fantastic moves, especially locking in that 5.55%. It’s great to see your strategy paying off! Keep up the good work, and if you need anything else, I’m always here to help. Thanks again for your trust and support!
@colleenconger5265 8 күн бұрын
I have been watching a lot of your podcasts lately thank you very much but I don’t know how to get your books. I keep looking for something to collect and I don’t see it. I’ve subscribed and I don’t know what else to click. Thank you for letting me know how to do this.
@StanTheAnnuityMan 7 күн бұрын
Thank you so much for watching the podcasts and for your support! 😊 You can download all of my books directly from this link: www.stantheannuityman.com/get-smarter/annuity-books. Let me know if you have any questions or need further assistance!
@timhinson2499 9 күн бұрын
Good education. I was "raised" on Dave Ramsey's advice for saving and debt reduction, and it served me well for the most part. However, now as I transition to retirement and looking for withdrawal strategies and income for life, I realize Dave's bias against annuities needs to be exposed. I appreciate your education and FAIR BALANCE.
@StanTheAnnuityMan 7 күн бұрын
Thank you for sharing your journey and kind words! I'm glad you're finding value in this balanced approach, and I’m here to help as you transition into this new chapter. If you have any specific questions, don’t hesitate to reach out! www.stantheannuityman.com/book-a-call
@davidc4238 9 күн бұрын
Happy New Year Stan!!!🎉
@StanTheAnnuityMan 7 күн бұрын
Happy New Year!
@Carnakr1 9 күн бұрын
Know PILL. Know what part of the PILL one needs. Explore PILL needs with solutions with a reputable annuity expert. If the analysis makes sense then maybe purchase one that takes a month or longer to secure.
@StanTheAnnuityMan 7 күн бұрын
Great insight!! Thanks for watching
@judekidder 9 күн бұрын
Happy new years Stan and your family
@StanTheAnnuityMan 7 күн бұрын
Happy new year!
@donaldpatch8875 9 күн бұрын
Happy New year Stan. Enjoy all you help understanding annuities
@StanTheAnnuityMan 7 күн бұрын
Happy New Year! Thank you for your kind words. I’m glad you find the information helpful.