Annuity Fiduciary or a Plaque on a Wall

Today’s topic is Annuity Fiduciary or a Plaque on a Wall.

Now, my consultants, whom I pay good money to hear their opinions, hate this topic. They told me not to do it, which means I’m absolutely going to do it.

What Fiduciary Really Means

Fiduciary is a designation that carries a lot of weight in the financial world. It means you’re putting the client’s best interests ahead of your own as the advisor. There are certifications for it, and people proudly hang that plaque on their wall to show they’ve earned it.

I fully recommend that for people managing your non-annuity money—your stocks, bonds, and mutual funds. If your advisor has that fiduciary designation, that’s great. It means they’re committed to doing what’s best for you.

But here’s my take. Putting the client’s best interest first shouldn’t require a plaque on the wall. It should be common sense.

From my perspective, acting in the best interest of the client should be voluntary. It should be how you operate as a person and as a business, not something you have to advertise.

What We Do at The Annuity Man

Now, my consultants didn’t want me saying this because they don’t want fiduciaries to come after me saying, “Stan’s calling himself a fiduciary, but he doesn’t have the plaque on the wall.” And they’re right. I don’t have a plaque on the wall.

I also don’t have a master’s degree in finance from NYU, but I’m still the thought leader in the annuity space. Do I consider my actions and my team’s actions to be fiduciary-like? Absolutely.

We do what’s best for the client. We’re not hammers looking for nails. We’re not high-pressure salespeople. We provide information, transparency, and choices.

So yes, while I don’t have the official title or the plaque, everything we do at The Annuity Man is in your best interest.

How We Define “Best Interest”

When you work with us, we’re not pitching. We’re quoting all carriers for the highest contractual guarantees available.

If you’re looking for fixed rates, you can run live Multi-Year Guarantee Annuity (MYGA) feeds on our website. If you’re looking for income, we’ll quote every carrier for the best Single Premium Immediate Annuity (SPIA) or Deferred Income Annuity (DIA) payout based on your situation.

You can go to http://TheAnnuityMan.com  right now and run all those quotes without talking to anyone. And when you do talk to us, you’re talking to real people. Because at The Annuity Man, AI doesn’t stand for Artificial Intelligence—it stands for Actual Individuals.

We’ll ask questions, listen carefully, and help you decide what fits your goals and comfort level.

Our Philosophy

A lot of people call and ask, “Are you fiduciaries?” They’re pounding the table about it. And our answer is simple: we love fiduciaries, we love what they represent, and we think they’re raising the bar for the entire financial industry.

But you don’t need a plaque on the wall to act in someone’s best interest. You just need integrity.

At The Annuity Man, we treat every client the same way we’d want our own family treated. My wife and I both come from humble beginnings, so we respect every dollar you’ve saved and every decision you’re trying to make.

You’ll never get a high-pressure sales call from us. You’ll make your decision on your terms and on your timeframe.

The Reality of Fiduciary Titles

There are people who have the fiduciary title who also sell annuities, and that’s fine. But the title alone doesn’t make someone good or bad. Just because there’s a plaque on the wall doesn’t mean there aren’t bad actors in the mix.

What matters is behavior.

In the annuity world, you solve everything through contractual guarantees. You buy annuities for what they will do, not what they might do.

If your advisor or agent can’t show you the contractual numbers and explain them clearly, they’re not putting your best interest first, plaque or no plaque.

The Bottom Line

Acting like a fiduciary shouldn’t require certification. It should be a choice, a commitment, and a reflection of character.

At The Annuity Man, we do what’s best for you because it’s the right thing to do. You get transparency, education, and the highest contractual guarantees—without a sales pitch and without pressure.

You’ll make your decision on your terms and on your timeframe.

I might not have a plaque on the wall, but maybe I’ll get one that says, “Stan’s a good guy.” My wife might disagree, but that’s fine. Just remember, don’t fall for sales hype. Base every annuity decision on the contract itself, and always focus on what’s guaranteed.

My name is Stan The Annuity Man. See you next time.