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National speaking superstar and retirement guru, Tom Hegna, joined me on Fun With Annuities again to discuss all things annuity and how the current market and rate environment are influencing annuities.

Question of the day: is an annuity better than a pension? Tough question, loaded question. I will have to break that question down just like your English teacher broke down sentences. Is an annuity better than a pension because it's a bit broader? It always is in the annuity world. You need to know many more details.

Today's topic, fear and greed loses to contractual and simple. I always tell people, if it sounds too good to be true, it is every single time. And if you're looking for the perfect product, eventually you will find a person that will tell you that they have it and they'll try to sell it to you.

Today's topic is a good one. It's about how annuities transfer risk. Annuities are insurance policies. Insurance companies exist to make a profit. That is correct. Annuities are issued by life insurance companies, all annuity types, and yes, life insurance companies are in the business to make a profit.

So how much do you need to pay yourself? How much will an annuity for lifetime income pay using our calculators? Good question. So if you're looking for a monthly annuity calculator, what will an annuity pay me for life per month? How do I calculate that?

Today's topic is I bond, no brainer. Yes, I only sell annuities. Yes, I only sell annuities for their contractual guarantees. You own an annuity for what it will do. Not what it might do®. I used to be with Dean Witter and Morgan Stanley, UBS PaineWebber.

Today's topic is one I screamed at the top of my lungs when I saw because one of my dearly beloved clients emailed me this article that said, "Index annuities are the perfect solution to inflation."

The topic is there's a limit to how many annuities you can buy. There's a limit to annuity purchases. You may say, "Wait a minute. You're saying that if I wanted to put everything I had in annuities you wouldn't make the transaction? You wouldn't sell it to me?

Boy, these ads are starting to pop up, aren't they? Free annuity report. As they say, be careful when it's free, right? You got to dig a little further than that. The annuity industry has earned its bad reputation and sales reputation.

The topic of the day, it's time for a financial intervention, or is it time for a financial intervention? I guess you have to ask yourself that question. I was on a phone call with a guy today and it was one of those things where I told him “You've already won the game, why are you still playing?”

Today's topic is setting up those annuity beneficiaries, so when your Learjet hits the mountain, you make sure that the annuity company doesn't keep a penny, even though they're on the hook to pay for the contractual guarantee you put in place.

In the annuity world, there are no good answers, just bad sales pitches. On the internet, you see things like, "Oh, get up to an 18% return with market protection, with principal protection." Give me a break.

I'm going to tell you why this one has been brought to the forefront for me to talk about how to buy an annuity, just the down and dirty basics of why we're doing this.When you see the MYGA feed on my site, I can sell that. I'm not saying you need an annuity, but understand that we sell them.

The topic is pension plans for narcissists. So you might say, "Stan, what's a narcissist." Let me give you a southern version of what a narcissist is. It's a person that says, "Hey, enough about you. Let's talk about me." In other words, it's all about them. So, what is a pension plan for a narcissist?

When Moshe Milevsky talks, the entire financial industry listens. I’m not kidding. He has been recognized as one of the 35 most influential people in the U.S. financial advisory business during the last 35 years.