In this episode, The Annuity Man discussed:
Seeing through product-driven Roth pitches
Recognizing political risk in long-term tax planning
Keeping conversions separate from annuity products
Avoiding shiny-object sales tactics
Key Takeaways:
Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing.
Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions.
Run conversion numbers independently of any annuity recommendation. Evaluate tax impact, break-even timing, and personal comfort before acting.
Watch for bonuses, churning, and pressure to "flip" existing annuities. Focus on guarantees, documentation, and advice from qualified tax professionals.
"You should never do a Roth conversion without talking to a Certified Financial Planner, a CPA, or tax lawyer. Period." — Stan The Annuity Man
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!
