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Lifetime-or-Interest-Income:-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

August 28, 2024

Lifetime or Interest Income: Shootin' It Straight With Stan (TAM Classic)

Annuities can generate income in two very different ways. This breaks down lifetime income versus interest income, and how each fits into real retirement planning.

Lifetime-or-Interest-Income:-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Lifetime or Interest Income: Shootin' It Straight With Stan (TAM Classic)

Annuities can generate income in two very different ways. This breaks down lifetime income versus interest income, and how each fits into real retirement planning.

What Is A Qualified Longevity Annuity Contract (QLAC)?

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.

Stan The Annuity Man: Happy Birthday To QLACs

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.

Does-the-4%-Rule-for-Retirement-Income-Still-Work?

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.

What-Is-the-Difference-Between-an-Annuity-and-an-IRA?

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.

How-Do-Insurance-Companies-Make-Money-on-Fixed-Index-Annuities?

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?

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.

Annuity-Death-Benefits:-How-Are-They-Paid?

Annuity Death Benefits: How Are They Paid?

Today, we're talking about annuity death benefits. You buy an annuity, and you die—what happens?

Avoiding-Common-Pitfalls-With-Annuity-Purchases:-Shootin’-It-Straight-With-Stan

Shootin’ It Straight with Stan®

Avoiding Common Pitfalls With Annuity Purchases: Shootin’ It Straight With Stan

Today's topic is Avoiding Common Pitfalls With Annuity Purchases, which comes from the calls my team receives. They shared examples of things people could have avoided.

Lifetime-Income-Benefit-Rider-Vs-Annuitization

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.

Unpacking-Deferred-Annuities:-SPDA-FPDA-MVA

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.

Can-You-Take-Your-Money-Out-of-an-Annuity?

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.

Comparing-Index-Annuity-Income-Riders-and-DIAs:-Shootin’-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Comparing Index Annuity Income Riders and DIAs: Shootin’ It Straight With Stan (TAM Classic)

Today's topic compares Fixed Indexed Annuity Income Riders to Deferred Income Annuities (DIAs). A common question we get is: Which one’s better?

Should-You-Get-Out-of-Your-Annuity?

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.

Best-Long-Term-Investment-Strategies

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.

Retirement-Expert-Rants:-Annuities-in-the-News

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."

I-Bond-No-Brainer:-Shootin'-It-Straight-with-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

Annuity Illustration or Annuity Illusion?: Shootin' It Straight With Stan (TAM Classic)

Today's topic is a barn burner, as they would say in the South. I don’t know where that comes from, but I assume they’re burning barns for whatever reason. But this is a barn burner, and the topic is Annuity Illustration or Annuity Illusion.

Annuity-Income:-What-Is-It-and-How-Does-It-Work

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.

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