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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.
Shootin’ It Straight with Stan®
March 1, 2023
4 Words: Shootin' It Straight With Stan®
Today's topic is four words. Never touch the principal. Those are the four words I want you to focus on. Never touch the principal. What am I talking about? I am talking about the interest rate environment we're in right now at the time of this blog.
Article
February 23, 2023
How Do Annuity Payouts Work?
Someone asked a great question: "How do annuity payouts work?" "Hey, Stan, I thought all annuities were the same. Hey, Stan, this guy on television said, 'I hate all annuities.' Hey, Stan, my broker, advisor, and master of the universe said never to look at annuities."
Article
February 16, 2023
Roth IRA Annuity: Are the payments taxed?
The question of the day is sent in from one of our subscribers from our Stan The Annuity Man YouTube. The question is, "When you said fund from an IRA or other sources, is my understanding correct that funding from a traditional IRA or a Roth IRA is not a taxed event?"
Shootin’ It Straight with Stan®
February 15, 2023
Market Needles or Annuity Haystacks: Shootin' It Straight With Stan®
Great topic today. It's a head-scratcher, and it's going to make you think. The topic is Market Needle or Annuity Haystack. We'll talk about markets, ups and downs, volatility, crypto, people trying to thread the needle to get these market returns, and if you're dependent upon so much unknown.
Article
February 13, 2023
Monthly Annuity Calculator: How Much Do You Need to Pay Yourself
How much will an annuity for lifetime income pay using our calculators? Both are great questions. And that's what today's topic is on because we're going to go through how to use the Annuity Calculators on this website.
Shootin’ It Straight with Stan®
February 8, 2023
Fly First Class or Your Kids Will: Shootin' It Straight With Stan®
Today's topic's a good one; it hits close to home but might also hit close to home with you. It's called Fly First Class or Your Kids Will. I want you to think about that. I'm notorious for saying, "There are no U- Hauls behind hearses."
Shootin’ It Straight with Stan®
February 1, 2023
Hire An Advisor That Grew Up Poor: Shootin' It Straight With Stan®
Today's topic is a good one, it's personal, and it's come up a few times in part of the conversation with some people I've been working with. The topic is hiring an advisor that grew up poor. And I know you're saying, wait a minute, don't people change? What does that mean?
Shootin’ It Straight with Stan®
January 25, 2023
3 Years in or 3 Years Out: Shootin' It Straight With Stan®
Today's topic is, three years in or three years out when you're looking at fixed rates. My rule is, if it's three years or in, you're buying CDs and treasuries. If it's three years and out, you're buying Multi-Year Guarantee Annuities or Fixed Rate Annuities, the annuity industry version of a CD.
