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February 17, 2026
What Is an Income Floor in Retirement?
An income floor refers to the reliable income sources retirees depend on to cover basic living expenses.
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Article
What Is an Income Floor in Retirement?
An income floor refers to the reliable income sources retirees depend on to cover basic living expenses.
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Article
How to Live on Retirement Income
Living on retirement income starts with building an income floor using Social Security, pensions, RMDs, and guaranteed lifetime income.
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Article
How Are Annuity Payments Taxed in Retirement?
Tax deferral postpones taxation on retirement savings, but it does not eliminate taxes owed when money is withdrawn.
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Article
May 21, 2025
The Scars of Scarcity: Shootin' It Straight With Stan
We’re talking about clients who worry about running out of money and wonder if they have enough. This is one of the issues that my team solves every single day. We make sure the contractual guarantees are in place.
Article
May 19, 2025
What Happens at the End of a MYGA Term?
Today, we’re diving into Multi-Year Guarantee Annuities (MYGAs), the annuity industry's version of a CD. A lot of people say, "I hate all annuities, Stan."
Article
May 18, 2025
Does the 4% Rule for Retirement Income Still Work?
Does the 4% Rule Still Work for Retirement Income Planning? We will discuss the 4% rule and how very smart people have factually and academically destroyed it.
Article
May 15, 2025
What Is the Difference Between an Annuity and an IRA?
An annuity and an IRA are not the same thing. One is a contract, the other is an account type, and confusing the two leads to bad decisions.
Article
May 12, 2025
How Do Insurance Companies Make Money on Fixed Index Annuities?
We’re talking about how annuity companies make money on Fixed Indexed Annuities. We’re going to cover a lot of things: What is a Fixed Indexed Annuity? What does it solve for? How does it work?
Article
May 11, 2025
Annuities: The Best Offense for Diminished Capacity Retirement Planning
Today we’re talking about how annuities are the best offense and strategy against diminished capacity when planning for retirement.
Article
May 8, 2025
Annuity Death Benefits: How Are They Paid?
Today, we're talking about annuity death benefits. You buy an annuity, and you die—what happens?
Article
May 5, 2025
Income Riders and Annuitization Explained: Two Paths to Lifetime Income
Two different annuity structures can create lifetime income, but they work very differently. This explains how Income Riders and annuitization compare, without the sales pitch.
Article
May 4, 2025
Unpacking Deferred Annuities: SPDA, FPDA, MVA
Today, we're talking about Deferred Annuities and some acronyms you may not know until you get your policy: SPDA, FPDA, and MVA.
Article
May 4, 2025
Can You Take Your Money Out of an Annuity?
Whether you can take money out of an annuity depends on the type you own and how it is structured. Understanding the rules matters before you buy.
Article
April 28, 2025
Should You Get Out of Your Annuity?
Today, we’re going to answer the question: Should you get out of your annuity? We’ll ensure you understand the best way to do that and whether it’s even possible.
Article
April 27, 2025
Best Long-Term Investment Strategies
Long-term investing is not just about growth. It is about income, protection, and making sure your money lasts as long as you do.
Article
April 24, 2025
Retirement Expert Rants: Annuities in the News
Let’s talk about annuities in the news. I’m pretty upset about what’s going on with that, and I want you to understand that you'll see many articles. You can call it "fake annuity news."
Article
April 21, 2025
Annuity Income: What Is It and How Does It Work
What are we talking about today? We’re talking about annuity income and how it works. You say, "Well, Stan, it's pretty basic. It just sends me income." No, it's bigger than that.
Article
April 20, 2025
How Much Do You Really Need to Retire?
Retirement isn’t about a magic number. It’s about your income floor and knowing exactly what hits your bank account every month.
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