
Article
What Is A Qualified Longevity Annuity Contract (QLAC)?
A qualified longevity annuity contract (QLAC) is a type of annuity contract specifically designed to keep you from outliving your retirement savings. As a deferred annuity, QLACs provide you with a guaranteed stream of income later in life.

Podcast
Stan The Annuity Man: Happy Birthday To QLACs
With QLACs, SPIAs, and DIAs, there's no annual fees. There's no market attachment; it’s a straight transfer risk. You're saying to the issuing QLAC company, here's the money, and you are on the hook to pay me, or me and my wife, or me and my husband forever as long as one of us is breathing, but you don't get to keep a penny.

Article
June 6, 2022
How To Find The Best Quote with a SPIA Calculator
Today's topic is the SPIA calculator and two ways to find the best quote. We're going to go through where you go to run your quotes, and I'm going to talk about the two best ways to find the highest contractual guarantees for your specific situation.There are two ways to use a SPIA calculator. Single premium immediate annuity.

Article
June 2, 2022
Back Tested Annuity Returns - Index Annuity Scams
Today's topic is about indexed annuity scams and these back-tested return numbers that you see that seem so good. But this is one of the situations, and one of the scams that drives me crazy.Let's talk about index annuities. First of all, a disclaimer. I like them. I like Fixed Index Annuities. Why?

Shootin’ It Straight with Stan®
June 1, 2022
Don't Buy Annuity Stories: Shootin' It Straight with Stan
Today's topic is, "Don't buy annuity stories." That's a big one to unpack, but let's start unpacking it. In the world of sales, everybody that ever talked to me like a manager or salesperson, they're like, "Stories sell. You need to tell stories to the people because they can relate to it.

Shootin’ It Straight with Stan®
June 1, 2022
Biscuits & Annuities: Shootin' It Straight with Stan®
The topic for today? Biscuits and annuities. Yeah, biscuits like the biscuits you eat. See, you're saying, "Wait a minute, Stan, what do biscuits have to do with annuities?" Well, first of all, I'm from the south. I love biscuits. I've always loved biscuits. I love biscuits with gravy.

Article
May 30, 2022
Retirement Cash Flow from Annuities
Today we're talking about retirement cash flow from annuities. Now, you're already participating in a part of the category of retirement cash flow from annuities because all of you have Social Security. If you have your Social Security number, you have Social Security. That's an annuity.

Shootin’ It Straight with Stan®
May 25, 2022
Annuity P.I.G. (Portfolio Income Guarantee): Shootin' It Straight with Stan®
Today's topic is a unique one. I just thought, let's get down and dirty with annuities. It's called annuity P.I.G.S. P-I-G-S. Yes, like the pigs. Annuity P.I.G.S. “What's P.I.G. stand for Stan?” Good question. Portfolio Income Guarantees. Yes. It's trademarked so don't run to your lawyer.

Podcast
May 24, 2022
Heather Schreiber: Social Security Hacks & Insider Secrets
When it comes to knowing the ins and outs of Social Security, Heather Schreiber is in a league of her own. She is the go-to source for the financial services industry to train advisors on the fiduciary approach to advising clients on how to maximize Social Security for each specific situation.

Article
May 23, 2022
Are Roth IRA Annuity payments taxed?
Let's talk about Roth IRAs and my take on Roth IRAs. Are the payments taxed? In a perfect world, where unicorns do chase the butterflies, Roth IRAs, in my opinion, should be used for non-annuity assets. You've already paid the taxes on the Roth.

Article
May 19, 2022
Inflation Options with Annuity Retirement Calculators
Today's topic is how to use annuity retirement calculators and use SPIAs, DIAs, and QLAC for inflation. On my site, you can run quotes 24/7 365.What does $100,000 pay? What does $1,000,000 pay? Well, it's all about life expectancy when you make the payment.

Shootin’ It Straight with Stan®
May 18, 2022
Financial Advice: Racism & The Classism Crisis: Shootin' It Straight with Stan®
The topic of today is the financial advice, racism, and classism crisis. I'm talking about advisors targeting people for their skin color or their working-class situation and if they're not up on all things financial. It's driving me crazy.

Article
May 16, 2022
Getting Retirement Cash Flow From SPIAs
Let's talk about Single Premium Immediate Annuities, acronym SPIA, S-P-I-A, the oldest annuity type. They were introduced in the Rotimes as a pension gift, a lifetime income stream gift to the dutiful Roman soldiers and their families for laying it on the line for the empire.