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“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastLovingly Handcuffing Your Beneficiaries with Annuities: Shootin' It Straight With Stan (TAM Classic)In this episode, The Annuity Man discussed:  Protecting your beneficiary from dumb choices How Stan lovingly handcuffs his beneficiaries Handcuffing your loved ones is good for them   Key Takeaways:  Lovingly handcuffing your beneficiaries with annuity guarantees protects them from making dumb decisions with lump sums.  Stan has written in the trust that when he dies, there will be a lifetime income annuity purchase for each of his daughters, guaranteed to pay them for the rest of their life as long as they are breathing.  Yo...2025-04-0907 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuities: A Strategy, Not a Game: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Retirement planning is not a game Asking hard questions Diversification and limits Two key questions to ask   Key Takeaways:  Stan emphasizes that choosing an annuity is not about sales tactics or commissions, but about protecting your life's hard-earned savings and creating a secure retirement strategy. Always ask detailed questions about the annuity product, understand its contractual guarantees, and don't buy something you can't fully comprehend. If an advisor can't explain it clearly, walk away. Don...2025-03-2610 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastSwap Your Income Rider for a SPIA: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Income Riders vs. Single Premium Immediate Annuities (SPIA) Comparison Process Strict rules  Probability of Improvement   Key Takeaways:  Stan explains that in some cases, you can potentially swap an income rider from a variable or indexed annuity for a SPIA with a higher guaranteed lifetime income stream. To determine if a transfer makes sense, you must: compare the income rider amount, use the accumulation value (not the income rider value), ensure the new annuity provides a higher cont...2025-03-1910 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastGap Filling Income Strategies Before Social Security: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Gap Filling and Annuity Options: Social Security Timing and Considerations: Balancing Emotional and Financial Well-being: Flexibility and Lifetime Guarantees with Annuities:   Key Takeaways:  You need to find ways to cover your income needs before Social Security kicks in, typically from ages 62 to 70. Consider using strategies like Single Premium Immediate Annuities (SPIAs) or Multi-Year Guarantee Annuities (MYGAs) to provide contractual income during this gap. SPIAs pay a guaranteed income for a specific term, while MYGAs offer a fixed interest rat...2025-02-2614 minComedy Tragedy MarriageComedy Tragedy MarriageA Different ManWhen a man with a facial deformity undergoes an experimental treatment that reveals a handsome face but a mountain of insecurity, it’s only made worse by the arrival of “A Different Man.”2025-01-2956 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: New Realities of Annuity RecommendationsIn this episode, The Annuity Man discussed:  The Annuity PILL Choosing an annuity carrier Putting the client’s best interest first The future of the annuity industry   Key Takeaways:  The acronym PILL stands for Principal Protection, Income for life, Legacy, and Long-term care. If you don’t need to contractually solve for one or more of those items in the PILL, then you don’t need an annuity of any type. Never buy an annuity for market growth.  Once you’ve determined what you want the...2024-11-1925 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuity Tips: The Annuity Man’s Index Annuity Strategies: Shootin’ It Straight With StanIn this episode, The Annuity Man discussed:  How to use Indexed Annuities efficiently  The two sides of an indexed annuity  Focusing on what annuities really do    Key Takeaways:  Indexed Annuities can be used as an efficient delivery system for Income Riders, which provides guaranteed lifetime income. There are two sides to an Indexed Annuity: the accumulation value (hopes and dreams) and the income rider amount (guaranteed lifetime income). Focus on contractual guarantees and avoid misleading information. Don’t attend seminars that offer unrealistic returns...2024-10-0908 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: Annuities and the ElectionIn this episode, The Annuity Man discussed:  Ensuring a stable retirement regardless of politics  How annuities are priced  Planning for political uncertainty  Tailoring annuities to your financial goals    Key Takeaways:  Annuities provide a guaranteed income floor regardless of political outcomes. Take emotions out of financial decisions, and focus on building an income floor for your retirement.  Life insurance companies primarily price annuities based on life expectancy. Although a Cost Of Living Adjustment can be attached to annuities, it could lower your initial payments to make...2024-09-2434 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: The Annuity Man Predictions for 2024 (TAM Classic)In this episode, The Annuity Man discussed:  Planning with simplicity  Annuity products overview  Consumer-focused future of annuities Tuning out the noise    Key Takeaways:  Lifetime income is priced primarily on your life expectancy and interest rates play a secondary role in pricing. Shop all carriers for the highest contractual guarantee, don’t gamble your retirement on hypothetical and theoretical numbers. Seek simplicity in planning.  Indexed annuities are going to keep getting pitched, and often through misleading and hyperbolic statements, by sales agents because of the high...2024-08-2725 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: The Annuity Man Predictions for 2024In this episode, The Annuity Man discussed:  Planning with simplicity  Annuity products overview  Consumer-focused future of annuities Tuning out the noise    Key Takeaways:  Lifetime income is priced primarily on your life expectancy and interest rates play a secondary role in pricing. Shop all carriers for the highest contractual guarantee, don’t gamble your retirement on hypothetical and theoretical numbers. Seek simplicity in planning.  Indexed annuities are going to keep getting pitched, and often through misleading and hyperbolic statements, by sales agents because of the high...2024-01-1636 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastLovingly Handcuffing Your Beneficiaries with Annuities: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Protecting your beneficiary from dumb choices How Stan lovingly handcuffs his beneficiaries Handcuffing your loved ones is good for them   Key Takeaways:  Lovingly handcuffing your beneficiaries with annuity guarantees protects them from making dumb decisions with lump sums.  Stan has written in the trust that when he dies, there will be a lifetime income annuity purchase for each of his daughters, guaranteed to pay them for the rest of their life as long as they are breathing.  Yo...2023-12-2708 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: The Only Thing Complex About Annuities Are the Sales PitchesIn this episode, The Annuity Man discussed:  Annuities are not complicated  Understand what you are buying  Trusting true fiduciaries    Key Takeaways:  Annuities are simple if you focus on the guarantees. It’s agents who are focused on self-interest that pitch products that make annuities too complicated. Often, they entice their clients with misleading backtested numbers and value-less upfront bonuses that seem like “free money.”  If you can’t explain the strategy or the sales pitch to a nine-year-old, do not buy it. There is no urgency for you...2023-10-1031 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: Happy Birthday To QLACsIn this episode, The Annuity Man discussed:  Why QLACs should be number one  Three reasons to buy a QLAC The downsides of a QLAC   Key Takeaways:  If agent commission didn’t come into play, QLACs would be the number one best-selling annuity product. It’s simple, pro-consumer, and works; it’s a product that focuses on the “will do” and not the “might do.” It’s a guaranteed lifetime income rolled from your IRA, and can be deferred as far out as age 85.  There are primarily three good...2023-09-1232 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: The Psychology of Buying AnnuitiesIn this episode, The Annuity Man discussed:  The Annuity PILL Do you need an annuity?  Is your money safe?  Overcoming FOMO   Key Takeaways:  You own an annuity for what it will do, NOT what it might do. Remember the PILL acronym: principal protection, income for life, legacy, and long-term care.  It's very simple to determine if you need an annuity period, and it comes down to two questions: What do you want the money to do contractually? And when do you want those contra...2023-08-2941 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: New Realities of Annuity RecommendationsIn this episode, The Annuity Man discussed:  The Annuity PILL Choosing an annuity carrier Putting the client’s best interest first The future of the annuity industry   Key Takeaways:  The acronym PILL stands for Principal Protection, Income for life, Legacy, and Long-term care. If you don’t need to contractually solve for one or more of those items in the PILL, then you don’t need an annuity of any type. Never buy an annuity for market growth.  Once you’ve determined what you want the...2023-08-0139 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: Simple Explanations of Every Annuity TypeIn this episode, Stan The Annuity Man discussed:  Lifetime income with SPIAs DIAs are SPIAs that you defer What counts as qualified money in QLACs?  What an Income Rider is and what it isn’t  Index Annuities are the annuity industry’s version of a CD Variable Annuities, charitable gift annuities, and buffer annuities   Key Takeaways:  A Single Premium Immediate Annuity (SPIA) can be structured however you want that pension payment to function while you're alive and whatever you want the money to...2023-06-2045 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastLifetime or Interest Income?: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  The right product for the right situation  What is lifetime income?  Income from interest    Key Takeaways:  An agent selling an annuity product as a one-size-fits-all product is like a doctor prescribing one medication for everyone. There is a right product for the right circumstance, and if a person doesn’t need an annuity, they shouldn’t be sold one.  Lifetime income is a transfer of risk pension product that an annuity company is contractually obligated to pay as long as you...2023-06-0710 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuities For A 9-Year Old: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Buying an annuity that you understand  Annuities aren’t one-size-fits-all How to know if you understand a product    Key Takeaways:  When buying an annuity, remember that if a product sounds too good to be true, it is every single time. There are also annuities that are more complex and most agents cannot explain it well, let alone even comprehend it themselves.   Currently, the annuity industry has an unbalanced way of compensation for different types of products. Agents get a higher...2023-05-3110 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuity $$ Doesn’t Have to Go Poof: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  What is a life-only lifetime income stream?  How you can choose where your money goes when you die The many ways that you can structure an annuity    Key Takeaways:  People who complain that annuities are bad because the money goes poof when the policyholder dies are talking about one type of annuity that’s structured in one specific way: a life-only lifetime income stream. There are 40-plus different ways to structure an annuity.  Annuities can be structured so your mon...2023-05-2411 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastTime Is The Ultimate Currency: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  The difference between lifespan and health span and the ultimate currency  Don’t waste your time  How annuities can help you maximize your time  The purpose of life    Key Takeaways:  Lifespan is how long we're going to live. Health span is how long we're going to live well. Time is the ultimate currency. The time that we’re given is all we have, we can’t get more of it, and it’s finite.  If time is the ultimate...2023-05-1710 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastMonte Carlo or Stanicarlo Simulation: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  A simulation doesn’t provide contractual guarantees  Contractual guarantees for your chapter two  You’ve more than earned the right to finally live your life    Key Takeaways:  Don’t fall for what a Monte Carlo simulation shows; it doesn’t prove anything. Ask them if any of it is contractually guaranteed, and you’ll hear from them yourself that, at the end of the day, it’s all hypothetical.  When you’re in chapter two of your life, you don’t need to tra...2023-05-1012 minComedy Tragedy MarriageComedy Tragedy MarriageA Man Called OttoTom Hanks stars as a man trying to kill himself but life and his neighbors keep getting in the way in “A Man Called Otto.”2023-05-1054 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastLifestyle Income Guarantees: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Lifestyle income guarantee  Making time for what truly matters  What’s your lifestyle number?    Key Takeaways:  Annuities are the only category that provides income as long as you are breathing. There’s no ROI until you die. Since retirement is all about lifestyle, you’ve got to retire from the markets and put guarantees in place to sustain the life you want as long as you are breathing.  Life is fleeting. Spend your precious days on things that are meaningfu...2023-05-0310 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man Podcast4 Contractual Paths: Shootin' It Straight With StanIn this episode, The Annuity Man discusses:  Not everyone needs an annuity MYGA to SPIA  Who should get a deferred income annuity?  The highest contractual guaranteed income rider   Key Takeaways:  Many of you out there don’t need an annuity right now, but when you need income, buy an immediate annuity by shopping all carriers and looking for the highest-yielding guarantee.  The second way is called MYGA to SPIA. This is where you buy a five-year MYGA which gets a guaranteed interest rate. Then, at...2023-04-2609 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuity Companies Aren't Smarter: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Will there be a “run” on an annuity company?  How annuity companies manage bonds  There’s no run on lifetime income   Key Takeaways:  Annuity companies are not smarter or better than banks; they are just more regulated. They also put things in place so there can’t be a run on the annuity company.  Annuity companies and banks are buying the same investment-grade bonds. However, unlike banks, annuity companies don’t have to sell them, so they hold on to them. ...2023-04-1910 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastLive off the Interest: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  What does it mean to live off the interest?  Living off guaranteed interest  When interest rates go down  If you can’t live off of the interest   Key Takeaways:  At the time of this taping, some money markets are 4, some CDs at five, and some MYGAs at five and a half. A lot of you out there have enough funds that whatever interests you can take off of those products is sufficient, and you never have to touch the prin...2023-04-1210 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStan The Annuity Man: Off The Annuity CuffIn this episode, The Annuity Man discussed:  The state of the annuity industry  Changes that are needed in the annuity industry  Things that the annuity industry needs to get rid of Live your life and stop worrying so much    Key Takeaways:  The annuity industry is thriving. Companies show that they are going in the direction of utilizing technology to make it easier for consumers to purchase and access annuity services.  Annuities are meant to be bought and not sold. Companies must incentivize agents to prov...2023-04-1138 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man Podcast10 Years Ago: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Why we should get rid of backtested numbers  What an index annuity is and isn’t  Don’t be the sucker at the table    Key Takeaways:  Backtested numbers capitalize on some of our most unwanted feelings such as regret and the feeling of missing out. We have to see those as what they really are: backtested numbers are garbage and should be illegal.  An index annuity is not a market product, and it’s not a security. It is a fixed an...2023-04-0510 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastIf It Sounds Too Good to Be True: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Smart people fall for schemes too   Don’t trust the pitch  Buy an annuity for what it will do  Annuities are great products   Key Takeaways:  People that are smart fall for Ponzi schemes. Be wary of “secret” products that nobody or not many people know about. If you are shown backtested return numbers, that’s garbage. Those returns are not going to happen.  Some of the annuity products pitched out there allow the annuity company to change the rules...2023-03-2910 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastPush Comes to Shove: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  What are MYGAs? How MYGAs work  Locked in MYGAs    Key Takeaways:  MYGAs or fixed-rate annuities are the annuity industry’s version of a CD. The advantage is that you have full control over it, and you can transfer it back to where it came from or roll it to another one.  There is no trigger function on MYGAs. The way it works is that you give the life insurance company that issues annuities a lump sum of money and they...2023-03-2206 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastSurfing Beside a Cruise Ship: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Surfing beside a cruise ship  Who wins in the markets?  What should be your focus in your “chapter two?”     Key Takeaways:  Investing in the markets is like surfing beside a cruise ship. There are times that you will catch a wave and you'll just surf and it'll be fantastic, but there are also times you’ll get sucked under the boat. Big-money institutions win in the markets, they trade fast and trade constantly. The market is stacked agai...2023-03-1508 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastChapter 2 Is About You: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Pivoting doesn’t mean slowing down Why pivoting to retirement is hard  Cherish your chapter two    Key Takeaways:  Retirement doesn’t mean that you’re slowing down, it just means that you’re going to pivot to chapter two of your life where you are hopefully spending time doing the things that you love to do.  It’s hard to pivot and actually take care of yourself. You’ve gotten used to pushing yourself past your limits, putting your family first...2023-03-0808 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man Podcast4 Words: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  The four words you must focus on  The difference between a CD and a MYGA Seize the day with these interest rates What should you do when the rates go down?    Key Takeaways:  In the current interest-rate environment that we’re in, between CDs, treasuries, and multi-year guaranteed annuities, allow many of you out there to live off of contractually guaranteed interests.  MYGAs are the annuity industry’s version of a CD. The difference between a Maiga and...2023-03-0112 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastThe Scarlet Letter A: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Social security is an annuity  Why you can’t hate all annuities  Structuring annuities  Having contractual guarantees in place    Key Takeaways:  If annuities are all bad, then nobody should claim their pensions. Social security is an annuity, one that you already own.  You can’t “hate all annuities”; it’s like saying you hate all restaurants. There are many different ways to structure an annuity, each serving a different purpose. Anyone who says they hate all annuities doesn’t...2023-02-2212 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastMarket Needles or Annuity Haystacks: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Threading the needle with volatility Freedom from volatility Annuities are the haystack  Time to secure guarantees    Key Takeaways:  Threading the needle to get market returns makes you dependent upon so much unknown. You’re dependent on world markets, geopolitical events, and meltdowns that are impossible to predict.  A lot of people can retire from their jobs and the market, and they should; those who can’t yet should make it a goal to do that and be free fr...2023-02-1508 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastFly First Class or Your Kids Will: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  There are no U-Hauls behind hearses Why aren't you spending your money?  Fly first class, or your kids will  The millionaire next door    Key Takeaways:  The phrase “there are no U-Hauls behind hearses” means that you don’t get to keep anything you’ve amassed when you’re dead. It will hopefully be a wake-up call for many to live life for the day and spend the money that they’ve earned on themselves.  Ask yourself what really is the reason why you’re not spending your money on what you wan...2023-02-0810 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastHire An Advisor That Grew Up Poor: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  People who grew up poor see money differently The difference is in the perspective  Checking the background of your advisor  Your retirement is not a game    Key Takeaways:  People who experience poverty see money differently and often have a healthy respect for it. It would hurt them personally to see money lost, even when it’s another person.  A person who grew up rich isn’t necessarily going to be a bad financial advisor. However, there is a huge difference in perspective. People who grew up poor don’t see m...2023-02-0111 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man Podcast3 Years In or 3 Years Out: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Locking in for three years and over  The top three safest money  When to go for CDs and treasuries    Key Takeaways:  Ask yourself how long you want to lock the money in for. MYGAs provide the highest contractual guarantee if it’s three years and over compared to CDs and treasuries.  The safest money out of all three would be treasuries, the second safest money is CDs, and the third safest would be MYGAs. Buy treasuries only from treasurydirect.gov.  If you’re going to lock in money for th...2023-01-2510 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastBuy The Annuity Drink: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  You can afford the drink  Stop making table lemonade Math is the medicine  Taking baby steps   Key Takeaways:  You can afford the drink so go ahead and buy it. Don’t let the scars of scarcity control your life’s decisions. Live your life.  Stop making table lemonade. Practices you’ve acquired while trying to survive scarcity are no longer necessary where you are now.  Take a rational accounting of how much you really have, and don’t base your spending decisions on what you feel. Math is the medicine...2023-01-1808 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastScars of Scarcity: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  The fear of running out of money Solving the fear of running out  Is FORO more important the FOMO?  Using math to address FORO      Key Takeaways:  Most of us didn’t grow rich. We saw what it was like to live in scarcity, and today, many of us still carry those scars. Despite having millions or a portion of that, some people might still feel poor and fear running out of money.  If you’re worried about running out of money or won’t have enough in your...2023-01-1110 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastWhat To Know When Gap Filling Your Income: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Income gap-filling strategies  The period certain immediate annuity  Multi-Year Guaranteed Annuities  When should you take social security?    Key Takeaways:  Social security is the best inflation annuity on the planet. If you’re looking for strategies to fill the income gap between ages 63-70, 65-70, or 62-70, there are two contractual ways to do it.  Buying a period certain immediate annuity means that the annuity company, instead of paying you for a lifetime like most people buy immediate annuities for, you will be paid monthly for however many years you’...2023-01-0411 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastPivot Application Promise: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  The free look time period Shopping for the highest guarantee What annuity businesses should do   Key Takeaways:  Interest rates are moving significantly, but no one can truly know where it goes. However, annuities have a policy in place where people are given a time period where they can pivot or take their money back.  You can go into an application, lock in the highest guarantee that exists at the moment, and in the future, if a different carrier offers a higher rate, you can pivot to that inst...2022-12-2810 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuity Strategies For Cognitive Decline: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Everyone goes through cognitive decline Considering cognitive strategies  Transferring risk through annuities Why you should plan for cognitive decline   Key Takeaways:  It doesn’t matter how sharp or healthy you are right now, everyone will go through cognitive decline eventually.  Start considering cognitive strategies from a turnkey standpoint, whether it's for you, or whether it's for your spouse, or both, especially if you are already in the “slow-go” phase of retirement.   Annuities are transfer of risk products. They sell for four things, principal protection, income for life, legacy, and l...2022-12-2110 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastBook Your Flight Now: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Shopping for annuity products Marrying the company for lifetime income  Avoid “one-size-fits-all” annuity products Buy annuities for the guarantees    Key Takeaways:  Buying annuities is like shopping for a plane ticket.  Annuities are commodity products; you shop all carriers for the highest contractual guarantee. With lifetime income products, the Annuity company will pay you as long as you breathe. You can also structure the contract in a way where if something happens to you, 100% of your money goes to the beneficiaries.  Annuities need to be structured differently for different i...2022-12-1410 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStop Complaining About Inflation: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Should you worry about inflation?  Annuity companies don’t give anything for free Inflation will not change your lifestyle    Key Takeaways:  Stop complaining about inflation when it doesn’t affect you or about increasing prices when you can afford it.  Annuity companies don’t give anything away. If there's a potential increase in your income, then the annuity company will severely and drastically lower the initial payment to compensate for that potential increase.  The people that are really affected by inflation are the 60% of Americans who live paycheck to p...2022-12-0709 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastWould More Money Really Change Your Life?: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Think again, would more money change your life?  Peeling off the interest Are you really affected by inflation?  Live your life now    Key Takeaways:  Why do you still keep money in the markets when you’ve won the game? Think about it, would more money really change your life? If the answer is no, then why are you putting your money at risk?  Treasuries, CDs, Fixed-Rate Annuities, and MYGAs are at a level where you can just peel off the interest, never touch the principal and never pay any f...2022-11-3011 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastVolatile or Contractual?: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Are your plans volatile?  The Safe Money Trifecta  Managing your volatility  Can you afford volatility?    Key Takeaways:  Your retirement plan is volatile if it’s at the whims of the markets and current global circumstances. You can take out the volatility from your plans by introducing contractual guarantees.  Remember the Safe Money Trifecta: CDs, Treasury Bonds, and Multi-year guaranteed annuities.  It’s alright to be in the market as long as you keep the proportions in a way where you don’t have to keep actively checking your money or l...2022-11-2310 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastFake Annuity News: Shootin' It Straight With StanIn this episode, The Annuity Man discussed:  Annuity fake news  Too good to be true What’s at risk  Fake news on two sides Key Takeaways:  If someone tells you all annuities are all bad, it’s either they’re lying to you or that they don’t know what they’re talking about.  “Market upside with no downside” plus a shiny upfront bonus sprinkled on top to “make up for the losses”? It’s a trap! Index annuities are great CD products and a great delivery system for income riders, but it’s not a miracle solution.  Don’t ma...2022-11-1612 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastRetire from Both Your Job and The Markets: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  How different your life could be with more money  Retiring from work and the markets Investing safely and smartly  Living off of guarantees    Key Takeaways:  People in the news and most financial advisors will tell you always to keep money in the markets, but you have to ask yourself this: will more money make your life any different?  If you love the ups and downs of the markets and treat it like a passion or a hobby, then it’s alright to stay in it, but most people ou...2022-11-0909 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastYour Principal Protection Trifecta: Shootin' It Straight with StanIn this episode, The Annuity Man and GUEST discuss:  CDs and MYGAs I-bond no-brainer The safest product in principal protection  How safe are MYGAs?    Key Takeaways:  Here’s how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don’t have to pay any fees. You can take the interest if you want to at the end of the term and do what you want with your money. MYGAs are basically the annuity industry’s version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy t...2022-11-0210 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastShould You Date or Marry Your Annuity?: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Dating your annuity company  Marrying your company for lifetime income What do you want your money to do contractually?  Dating MYGAs to peel of interest    Key Takeaways:  Dating a company means that we’re only going to be there for a specific duration. With multi-year guarantee annuities and fixed-rate annuities, you give the annuity company your money for a specific period of time, If you’re signing up for a lifetime income product with an annuity company, you’ll be there for life, so you have to make sure th...2022-10-2608 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAddiction Kills Retirement Dreams: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Market dreams kill retirement plans It’s time for you to live your life  Do you have a plan in place?  Chasing the markets is nonsense   Key Takeaways:  Advisors are telling people to stay the course but that’s easy to say when it’s not their money that’s on the line. Market dreams and market addiction to growth is killing retirement, it's killing people's retirement plans. If you are transitioning to chapter two of your life, then you have already laid it all on the line. You’ve...2022-10-1908 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuitization Can Be Your Last Resort: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Annuities have a lot of types  Protecting the principal  Buying an annuity can be your last resort  You need a contractual guarantee    Key Takeaways:  There are many types of annuities. There are Multi-Year Guarantee Annuities which is the industry's version of a CD. There are indexed annuities, variable annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Single Premium Immediate Annuities. There are also buffer annuities, income rider attachments, and all kinds of different machinations out there.  Interest rates have reached a point where you can buy a fixed...2022-10-1208 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuity Paralysis by Interest Rate Analysis: Shootin' It Straight with StanIn this episode, The Annuity Man discussed: Do interest rates affect annuities How capacity affects annuities Tuning out the noise of the media Asking the right questions Key Takeaways: Annuity companies watch the Fed, but their decisions don’t drive the train; capacity does. Interest rates do affect annuities a little bit, but it’s not linear. When annuity companies are getting in more money than they know what to do with or are filling a specific tranche or age range or product that they put out, then they're going to lowe...2022-10-0509 minComedy Tragedy MarriageComedy Tragedy MarriageAnother Thin ManNick and Nora and baby Nicky makes three as the new addition doesn’t slow down the murders in “Another Thin Man.”2022-09-2955 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastStop Living Your Life by the Tax Code: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  The good and the bad of taxes Skating behind the puck with taxes  Does inflation really affect you?  Choosing simple solutions for retirement   Key Takeaways:  It’s important to pay your taxes. Your money goes into good things like infrastructure, security and other things. However, it does get a little predatory, politicians play games with it, and you don’t know when the rules are going to change.  None of us know what’s going to happen with tax policy in the future. So why would you plan around...2022-09-2809 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastDo You Have Lifetime Income Insurance?: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  You might already have lifetime income The most stupid reason to hate annuities  The many ways to structure annuities  Covering your basic expenses    Key Takeaways:  There’s a high probability that you already have lifetime income insurance in the form of Social Security, IRA, or a 401k. The real question isn’t if you have lifetime income insurance but if you need more.  Hating annuities because you believe that when you die, the money goes to the annuity company is one of the most uninformed statements of all time. T...2022-09-2109 minComedy Tragedy MarriageComedy Tragedy MarriageAfter the Thin ManNick and Nora Charles pick up right where they left off in “After the Thin Man.”2022-09-2147 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastCrossing The Retirement Finish Line: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Addiction to the stock market  Taking an inventory of your life  Leave it and live your life  How to know if you’ve won the game   Key Takeaways:  There are two main reasons why people become addicted to the stock market, and that’s fear and greed. People love getting returns, and they hate the feeling of missing out.  Think deeply and check your situation if you’re affected by inflation. The prices will be higher, but if it doesn’t disrupt your lifestyle, it’s time for you to stop l...2022-09-1408 minComedy Tragedy MarriageComedy Tragedy MarriageThe Thin ManI don’t know for certain 1934’s “The Thin Man” created the sexy comedic thriller, but it was probably one of the first.2022-09-1454 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastMaking Yield Great Again: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Short term options available in MYGA’s  There’s no garbage in MYGAS’s MYGA’s and CD products  Making yield great again    Key Takeaways:  There are good contractual yields available in MYGAs. They’re available in short term options of two year, three year, five year, or even seven year locked in periods.  In MYGAs, there’s no annual fees, no market attachments,no moving parts, no upfront bonuses, and no participation rates. In other words, there’s no garbage.  MYGA’s offer a higher contractual guarantee than CD’s. Why...2022-09-0707 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastYou Need An Annuity Cancer Doctor: Shootin' It Straight with Stan  In this episode, The Annuity Man discussed:  Choosing brutally factual service  Listening to the facts. On your own terms and timeframe.  Annuities should be bought, not sold.    Key Takeaways:  When you go to see your cancer doctor, you don’t want him to be your friend, you want him to be brutally factual. You need him to tell you the risks and the actions that you need to take. That’s the kind of service you also need when it comes to buying annuities.  There’s so much noise out there in the industry, all you really...2022-08-3109 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastIt's Okay To Miss Out: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  What chapter two is all about  It’s okay to miss out  Life span and health span  The scars of the middle class    Key Takeaways:  When you go to chapter two of your life, it’s all about lifestyle; it’s all about contractual guarantees. Whether you want to protect the principal and never lose a penny or if you want a lifetime income stream that you could never outlive as long as you’re breathing. That’s the reality of chapter two; it’s one of those two or both...2022-08-2408 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastZero Is NOT Your Hero: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  What “zero is your hero” means  Dirty tactics that agents use to sell annuities  A more rational alternative CD product  Zero is not your hero    Key Takeaways:  The phrase “zero is your hero” means that when the market goes down, you will not lose any money. In this world that we live in, you should always be getting some interest on your money.  Be wary of these two dirty tactics agents use to sell annuities: back-tested numbers and upfront bonuses. Don’t base your decision on the past; base it on t...2022-08-1708 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastFear and Greed Loses to Simple and Contractual - Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Buying the dream, owning the reality  The fear and greed pitch  Simple is always better  Focus on the lifestyle    Key Takeaways:  If you’re looking for the perfect product, eventually, you’ll find a person who’ll say they have it and sell it to you. You’ll buy the dream, but you’ll own the contractual reality.  It’s easy to sell fear and greed. Everybody has that knee-jerk reaction and wants to have more or not to lose any. That’s the fear and greed pitch.  If you have so...2022-08-1010 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastI Bond, No Brainer: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Should you purchase I Bonds?  Treasuries are as safe as it gets  Five places to put your money  Inflation is personal    Key Takeaways:  Purchasing I Bonds is a no-brainer. Go to treasurydirect.gov to buy direct from the treasury I Bonds.  Treasuries are as safe as it gets because they can tax us and confiscate our money to pay them off, and that would happen if we needed to do that. The downside to I Bonds is that they don’t allow you to put as much money in t...2022-08-0308 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastLimits to Annuity Purchases: Shootin’ It Straight With StanIn this episode, The Annuity Man discussed: Limit on annuities  Putting everything on an annuity  How much should you invest in annuities?  Why an application could get denied    Key Takeaways:  For most financial products, you can get as much as you want, but there is a limit on what you can get with annuities, and that’s a good thing.  You’ll get denied if you want to put everything you have on an annuity. The only way to go through is if the agent filled in the application incorrectly or falsely.  The annuity industry pre...2022-07-2708 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastIt's Time for A Financial Intervention: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Addiction to the market  Reflecting on what you really want  How would you like your retirement to look like  When you don’t need an annuity    Key Takeaways:  It is possible to get addicted to the market, and when you’re at that point, you’ll need to give yourself an intervention. At some point, you’re going to have to stop.  Be honest, do you want to subject yourself to the daily ups and downs of politics and the markets, tracking it, hoping it goes well, hoping that you’...2022-07-2008 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastThere's No Perfect Answers, Just Bad Sales Pitches: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  The annuity industry’s bad reputation Don’t trust the sales pitch  Are all annuities bad?  Ask for the contractual guarantees    Key Takeaways:  The annuity industry has unfortunately earned its bad reputation despite its monopoly on lifetime income. That’s because some agents target people who are not financially informed.  When something sounds too good to be true, especially in annuities, it 100% is. There are no perfect answers, just bad sales pitches. If you don’t know who the sucker at the table is, it’s probably you, so don’t fal...2022-07-1311 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastPension Plans for Narcissists: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Which annuity provides historically higher guarantees?  Being wary of ignorant advisors  Getting the highest payout for yourself  The choices for non-narcissists    Key Takeaways:  An income rider attached to Fixed Index Annuities historically provides higher contractual guarantees and has less fees than variable annuities. Suppose a financial advisor or anybody tells you never to buy an annuity, that all annuities are expensive or that they hate all annuities. In that case, that person doesn’t know what they’re talking about.  You can choose life-only if you want the highest...2022-07-0610 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastDon’t Buy Annuity Stories: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Why do agents tell stories?  Protecting yourself from bad pitches  Don’t listen to these stories  The only two important questions    Key Takeaways:  In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “evidence.”  Here’s how you can protect yourself from liars who’d sell you stories: write down their sales pitch exactly how they said it and how you understood it. Sign and date it at the bottom and flip it over to th...2022-06-2909 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastYou Won The Game. Why Are You Still Playing?: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Not everyone needs to be exposed Bonds and market volatility  Looking into lifetime income  Questions to ask your advisor    Key Takeaways:  Financial advisors tend to advise their clients to do 60% equity and 40% bond split or that they always have some exposure, but it doesn’t apply to everybody. People who’ve won the game don’t have to keep playing.  Bonds aren’t fool-proof; they go down in value if interest rates go up. If you’ve already accumulated enough to live the life you want and don’t want to tie...2022-06-2211 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastSign Now! Decide Later? - Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Never, ever “sign now, decide later” How agents give annuities a bad name The trouble is not worth it  There's never a time for urgency   Key Takeaways:  Never, ever “sign now, decide later.” If anybody pitches something that sounds too good to be true, it probably is.  “Sign now, decide later” types of pitches are a shady sales practice that gives annuity companies a bad name. The only goal of this tactic is to make a sale and not to help the client.  These shady tactics done for short-term gai...2022-06-1510 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastMYGA 2 SPIA Income Strategies: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  How do annuity agents get paid?  Your two choices for lifetime income  The downside to deferred income annuities and indexed annuities  Explaining MYGA 2 SPIA to a nine-year-old    Key Takeaways:  In every annuity type, commissions are built into the policy, hidden from the client, and paid from the reserves of the annuity company so that you don’t see them in your statement.  If you want lifetime income and want it in however many years, you have two products to choose from—either a deferred annuity or an income rider...2022-06-0813 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastBiscuits & Annuities: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  A plain annuity biscuit  Biscuits for the weekend  An annuity biscuit with a little bit of jelly and butter  The Annuity version of a CD    Key Takeaways:  A plain biscuit without anything on it would be a single-premium immediate annuity or a deferred-income annuity. You get lifetime income with no annual fees and no market attachments. It’s a straight transfer of risk based on your life expectancy.  If you’re cooking biscuits for the weekend, your qualified longevity annuity contract would be. It can be used inside of yo...2022-06-0110 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastAnnuity PIG (Portfolio Income Guarantees)  - Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  You can’t hate all annuities  Who invented PIGs?  The four PIGs  Adding to your income floor    Key Takeaways:  Just to recap, you already have an annuity, and there’s no way you could hate all annuities when there are a lot of kinds out there.  The Romans invented the original portfolio income guarantee. The government provided an annual payment to soldiers’ families for their service.  There are four PIGs in the annuity world: single premium immediate annuities, deferred income annuities, qualified longevity contracts, income riders attached to index annuit...2022-05-2510 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastFinancial Advice - Racism and The Classism Crisis Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Financial racism/classism in the annuity industry The responsibility of companies  Don’t rush buying an annuity  Hiring a trustworthy expert    Key Takeaways:  Financial racism/classism is going on in the industry these days. People who have worked their whole life that are not particularly financially savvy are being preyed upon by annuity agents that don't have anyone’s interests in mind except themselves.  Annuity companies and organizations are responsible for researching what their people are selling to their clients. Each agent must be properly trained and managed so...2022-05-1811 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastSqueezing Annuity Yield: Shootin' It Straight with StanIn this episode, The Annuity Man discussed The two primary functions of an annuity  Don’t time it; ladder it  Annuities are based on life expectancy When life expectancy tables change against you   Key Takeaways:  There are two primary functions for an annuity: principal protection or income for life. Never buy an annuity for market growth.  Don’t time it; try laddering instead. If you have $300,000, put $100,000 each in a three-year, four-year, and five-year plan. That way, you’ll have money coming due at different intervals, hopefully attaching to rising interest rates.  Lifetime income is primarily...2022-05-1113 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastHaving Annuity Companies Buy Bonds for You: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  How annuity companies buy bonds for you Accessing industrial-grade bonds  Interest rates play a secondary role  Potential or contractual increases    Key Takeaways:  You can’t open an account with an annuity company and have them buy bonds for you, but when you sign a contract for an annuity they’ll buy bonds on your behalf to support the lifetime income they’ll be dishing out for you.  Annuity companies have access to industrial-grade bonds that regular individuals don’t. That means they get the best of the best when it co...2022-05-0410 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastYou Already Own Two Annuities: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Social security is a lifetime income stream The annuity that most are unaware of  Your pension is your third annuity  Do you still need an annuity then?    Key Takeaways:  The first annuity that you already own is Social Security. By definition, Social Security is a lifetime income stream that will pay you as long as you’re breathing based on your life expectancy when you take the payments. That’s an annuity.  Another annuity you may not know that you already have is Required Minimum Distribution or RMDs. It fa...2022-04-2709 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastYour CPA is not your Financial Advisor: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Why do they sell you indexed annuities?  Letting CPAs stay in their lane Listening to the right people  No good reason to sell    Key Takeaways:  Your CPA should not be involved in financial advice. There is a reason why they often sell indexed annuities, and that’s because they’ll get the highest commission from that type of annuity.  CPAs are analytical and good with numbers, but they don’t read the policies, don’t understand the annuity product that they’re selling to you, and are not equipped to g...2022-04-2010 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastPayout Rates vs. Interest Rates: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  What are interest rates? Payout rates and lifetime income Focusing on the monthly income You can’t beat the annuity companies   Key Takeaways:  Interest rates have to do with multi-year guarantee annuities, the annuity industry’s version of a CD. You will be locked in at a guaranteed interest rate. The payout rate is a whole different animal.  Payout rates have to do with life expectancy and lifetime income, a combination of a return of principal plus interest. That percentage is the payout rate.  Forget the bonus, forget th...2022-04-1310 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastInverted Annuity Yield Curve: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  What does Inverted Annuity Yield Curve mean?  An opportunity in current events  Are A++ companies too big to fail?  Annuities are not bonds    Key Takeaways:  An Inverted Annuity Yield Curve is when the two-year treasury rate is higher than the ten-year treasury rate. Typically when that happens, that’s a pre-determinant of a possible upcoming recession. The big carriers are popping to the top of the MYGA fees. A month ago, A++ carrier MYGA fees were way down the list, 50 or 75 basis points lower than the highest lead for...2022-04-0610 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastCBDC-Central Bank Digital Currency: Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  The CBDC initiative  The taxing of cryptocurrency  Cryptocurrency is not going away  How blockchain can affect annuities in the future    Key Takeaways:  Putin using cryptocurrency to thwart US banking has led the administration to be aggressive with going in the direction of digital currency.  Since the government is taking a huge interest in blockchain due to current events, there might be a possibility that the government will tax cryptocurrency in the future.  Cryptocurrency may not have any intrinsic value, but it’s not going away. It’s just a matter...2022-03-3009 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastUnderstanding Annuity Payout Options - Shootin' It Straight with StanIn this episode, The Annuity Man discussed:  Annuities are customizable  An example of life with cash refund  What does it mean to get a joint-life policy Options and choices when getting an annuity    Key Takeaways:  A life-only contract means that the annuity company is on the hook to pay as long as you’re breathing, but the money goes away when you die.  Life with cash refund means that you get paid while you’re alive, with some money going to your beneficiary when you die.  A joint life policy means that you and your spouse...2022-03-2310 minComedy Tragedy MarriageComedy Tragedy MarriageMan of SteelSuperman is Stan’s favorite superhero and he introduces Maude to 2013’s “Man of Steel” starring Henry Cavill, Amy Adams, Michael Shannon and more.2020-08-2055 minComedy Tragedy MarriageComedy Tragedy MarriageVertigoShe suffered it and then she wanted to see it. Maude the Dizzy Broad picked the Alfred Hitchcock classic “Vertigo.” She and Stan the Movie Man thought they had seen it before, but got a wake-up call by the end.2020-03-0456 minComedy Tragedy MarriageComedy Tragedy MarriageThe One Where Stan Flies SoloMaude has vertigo, not the Alfred Hitchcock classic, but actual room-spinning vertigo, so Stan is going it alone for this episode. He discusses what they’ve watched, his opinion on Brahms: The Boy 2 and entertainment news headlines. It’s short AND sweet...just like Stan.2020-02-2621 minComedy Tragedy MarriageComedy Tragedy MarriageIron ManStan’s pick caused him stress as he was afraid Maude would not like the world’s introduction to the Marvel Cinematic Universe, Iron Man, and that would break his little heart. Is the dream over?2020-02-1956 minComedy Tragedy MarriageComedy Tragedy MarriageParasiteStan the Movie Man picked this week’s movie, Bong Joon-ho’s Parasite. Stan thinks it’s one of the best movies he’s ever seen while Maude the Flummoxed Broad agrees it’s a movie.2020-01-2250 minComedy Tragedy MarriageComedy Tragedy MarriageThe Grinch (2018)This episode, Stan the Movie Man picked the most recent version of Dr. Seuss’ The Grinch. Is this retelling of How the Grinch Stole Christmas just the thing to make your heart grow three sizes? Maude the Green Broad and Stan have some thoughts.2019-12-1137 minComedy Tragedy MarriageComedy Tragedy MarriageTrue Grit (1969)Stan the Movie Man reached back into the childhood archive and pulled the only film for which John Wayne won an Oscar, 1969’s True Grit. It has sweet memories for Stan, but will his better half, Maude the Pluckie Broad, feel the same way?2019-11-2748 minComedy Tragedy MarriageComedy Tragedy MarriageIT Chapter 1Stan the Movie Man selects the movie this episode, IT Chapter 1, and he finally finds a film Maude the Movie Broad doesn’t like. Can their marriage survive? Subscribe and give a 5-star review at Apple Podcasts.2019-10-1646 minComedy Tragedy MarriageComedy Tragedy MarriageGary Gulman: The Great DepreshIt was Maude the Tic Tic Tic Broad’s turn to pick what she and Stan the Movie Man watched and she selected the HBO comedy special Gary Gulman: The Great Depresh, chronicling the comedian’s battle with mental illness. Not the funniest standup you’ll ever see, but possibly the most important.2019-10-0936 min“Fun With Annuities” The Annuity Man Podcast“Fun With Annuities” The Annuity Man PodcastWelcome to The Annuity Man Podcast!Welcome to The Annuity Man Podcast!  With over 3 decades in the financial services industry, Stan The Annuity Man is recognized as the top independent annuity agent in America.  He has published 7 books on annuities and has over 400 published articles on the topic. The Annuity Man Blog is the leading source for all things annuity, and his Stan The Annuity Man YouTube Channel releases new consumer friendly videos every single weekday….Monday through Friday.  Stan The Annuity Man is licensed in all 50 states and represents all major annuity carriers.  In this welcome episode, The Annuity Man will explain his educa...2019-10-0722 minComedy Tragedy MarriageComedy Tragedy MarriageSpider-Man: Into the Spider-VerseStan the Movie Man attempts to drive Maude the Movie Broad over the edge with his choice of the animated Spider-Man: Into the Spider-Verse. Does he succeed? You’ll need to listen to find out.2019-10-0237 minComedy Tragedy MarriageComedy Tragedy MarriageLinda Ronstadt: The Sound of My VoiceIt was Maude’s choice this episode so she and Stan hit the road for the theater and watched the documentary Linda Ronstadt: The Sound of My Voice. Check out Stan’s movie reviews at stanthemovieman.com. Follow Stan on Twitter @moviemanstan and send emails to stanthemovieman123@gmail.com.2019-09-2540 minComedy Tragedy MarriageComedy Tragedy MarriageStar Wars: Episode IV - A New HopeStan and Maude talk about one of Stan’s favorite movies, Star Wars: Episode IV - A New Hope. Follow Stan on Twitter @moviemanstan. Check out his movie reviews at stanthemovieman.com. Send an email to Stan and Maude at stanthemovieman123@gmail.com.2019-09-1839 minComedy Tragedy MarriageComedy Tragedy MarriageAlways Be My MaybeStan the Movie Man and Maude the Movie Broad do their first episode in a battle of the sexes that doesn’t go as planned. They watch the Netflix original movie Always Be My Maybe and compare notes...which also doesn’t go as expected. Of course, this is their first episode so they don’t know what to expect. Each episode, they takes turns picking something to watch, they watch it together and see how much one of them hates it...or doesn’t.2019-09-1135 minAmazing Spider-Talk: A Spider-Man PodcastAmazing Spider-Talk: A Spider-Man PodcastTop 10 Stan Lee Spider-Man Comics Excelsior! It’s our special holiday episode, where Dan and Mark typically do something a bit different than usual. This time they wanted to commemorate 2018 by ranking their Top 10 Stan Lee Spider-Man Comics. It’s a great way to wrap up the first two seasons of the show as we make our way towards Season 3 in the New Year! This week’s Patreon podcasts include a review of Amazing Spider-Man #11/LGY #812. If you’d like to follow along with our reviews as they are released, please check out our Patreon page: ...2018-12-2237 min