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Annuity Entrée's – Primary Strategies:
These fixed annuity strategies fully protect your principal from any market downturn. Click on the underlined titles below to see current offerings.
Works like a CD, except the interest grows tax deferred until you take the money out. Current contracts are as short as 2 years, and as long as 10 years.
Click here to see a current list of the best MYGAs in the country.
Indexed annuities were designed to compete with CD rates, not the stock market. These strategies are fixed annuities that have a call option typically attached to an index like the S&P 500. Limited gains are usually locked in one day per year.
Click here to see a further information on this strategy.
These fixed rate annuities lock in a specific rate one year at a time, which allows you to possible take advantage of rising rates. They can also offer upfront bonuses.
Click here to see a current list of the best Traditional Fixed Annuities available.
Lifetime income payments from annuities can start immediately or at a specific time in the future. Annuities are the best strategies to solve for longevity risk, or outliving your money. The 2 basic choices are IncomeNow & IncomeLater.
The need for immediate income can be primarily solved with 2 types of fixed annuity strategies:
Immediate annuities are the original annuity design, and still the most efficient way to create a lifetime income stream.
Click here to see current SPIA quotes.
Some fixed indexed annuities can offer specific riders that have the potential to annually increase your income stream with any credited indexed option growth.
Click here to see examples of how this strategy can work.
Target date income planning, or IncomeLater, allows you to contractually know (to the penny) what your future contractually guaranteed income stream will be.
Also referred to as Deferred Income Annuities, these simple strategies have no annual fees, and can be deferred as short as 2 years up to as long as 45 years.
Click here to see examples of the best longevity annuity quotes available.
Income Riders are attached benefits that can solve for future income needs. These riders grow during the deferral years at a contractual %, and this compounding total can only be used for income, and not accessed lump sum.
Click here to see examples of how income riders work.
Some annuities allow you to attach a rider that will grow annually at a contractually guaranteed %, and that compound and grow to be distributed as a death benefit to your listed beneficiaries.
With some annuity policies, you can attach a contractual death benefit increase that you can use for legacy planning. These death benefit riders grow and compound annually by a specific contractual percentage, and for a guaranteed period of time. No underwriting required. Guaranteed issue.
Click here to see examples of how these riders work.
This strategy allows you to control your legacy from the grave, and saves your heirs from themselves. LIM provides a lifetime income stream for you and your heir, regardless of how long they live.
Click here to see examples of how these LIMs work.
Stretching your IRA is a strategy that has been around a long time, but most people aren’t familiar with. Correctly set up and implemented, your spouse and beneficiaries can benefit from your IRA for a very long time.
Click here to see how to stretch your IRA
When your turn 70½, whether you need the money or not, the IRS will tap you on the shoulder and start making you take money out of your traditional IRA. You can offset these Required Minimum Distributions by implementing a unique and simple strategy.
Click here to learn how an RMD strategy works.
Long Term Care
Some annuities provide coverage for long term care or confinement care type coverage, while allowing you to retain control of the asset. Attached riders to deferred annuity policies can provide this additional needed coverage.
After answering 15-20 questions on the phone, you can be approved for this annuity type coverage while retaining full control over the money.
Click here to see examples of a Simplified Issue LTC Annuity.
Some fixed indexed annuities allow you to attach an income rider that can also be used for confinement care coverage if 2 of the 6 daily functions cannot be performed. Upon this qualification, the contractual income guarantee will double for this needed coverage.
Click here to see examples of how a confinement care “doubler” works.
AnnuityMan® Specialty Strategies
I have developed many proprietary strategies that have been adopted throughout the annuity industry. Below are just a few examples, and I would love to create one just for you. Let me know your specific situation and goals for the money, and let me go to work!
This strategy involves 2 annuities leveraging off each other, only using the contractual guarantees of the policy. Best used for income needs in 5 to 8 years using non IRA assets.
Click here to see an example of my Leveraged Income Doubler (LID) Annuity strategy.
Using multiple annuities, leveraged off of each other to create an enhanced death benefit for your listed beneficiaries.
Click here to see an example of my Leveraged Legacy Doubler (LLD) Annuity strategy.
Using a combination of annuities and life insurance, this advanced leveraged strategy provides both legacy and lifetime income while maximizing the asset from a planning standpoint.
Click here to see an example of my Annuity Arbitrage strategy.
Achieving your financial goal sometimes takes the implementation of more than one annuity strategy at the same time. Splitting your money up into specific annuity buckets leverages the contractual guarantees to achieve the exact guaranteed number you are looking for.
Click here to see an example of my Split Annuity Strategy (Buckets) strategy.
Using the exact same annuity for your IRA and then with an non-qualified account, you can create an income stream and a legacy while you take your RMDs from your IRA.
Click here to see an example of my IRA Ray Mirror strategy.
Most are familiar with laddering bonds and CDs, but you can also ladder annuities. Whether you are laddering for income right now, income in the future, yield, and inflation, I utilize numerous annuity laddering strategies to fit almost every situation.
Click here to see an example of my MYGA Fixed Rate Ladder strategy.
Click here to see an example of my Mixed Fixed Sandwich Ladder strategy.
Click here to see an example of my Lifetime Ladder strategy.
Click here to see an example of my Target Date Stairstep Ladder strategy.
Click here to see an example of my COLA Inflation Ladder strategy.
A La Carte – Additional Policy Benefits
The gorilla in the room in the coming years is the distinct possibility of inflation, and the need to set up your income streams to increase to cover rising expenses. Annuities provide a couple of choices to combat inflation.
Cost of Living Adjustment riders (COLAs) allow you to contractually implement an annual % increase to your lifetime income stream.
Click here to learn how a COLA (Cost of Living Adjustment) strategy works.
The Consumer Price Index is familiar to most people because it is the same device used to raise Social Security payments. Some annuities allow you to attach a rider that will have similar increases.
Click here to learn how a CPI-U (Consumer Price Index) strategy works.
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