Can I Transfer My Retirement Annuity To A Pension Fund?

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So, the question of the day is, can I

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transfer my retirement annuity to a

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pension or a pension fund? Hi there, my

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name is Stan the Annuity Man, America's

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annuity agent, licensed in all 50 states

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in Puerto Rico. Founder of CGO

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contractual guarantees only. You own an

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annuity for what it will do, not it what

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not what it might do. Not some

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hypothetical theoretical projected

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backtested hopeful unicorns chasing

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butterflies upfront bonus horse dood do

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sales pitch.

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But let's talk about can you transfer,

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how do you transfer, does it work, stand

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the annuity man, hit us with your 30

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years of wisdom even though you look so

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young. I'll do that after this.

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So, can you transfer your retirement

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annuity? And again, there's many types

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of annuities, SPSDs, QAX, MAS,

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um, income writers, attached index

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annuities, uh, you got Rialas, variable

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annuities, etc. There's lots. But can

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you take that and transfer it to a

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pension? 99.9999999%

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of the time, you cannot. You cannot.

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Okay. Now, there might be this one

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really weird exception. You have to call

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your HR department at your company

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that's running that pension fund for

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your company because I'm assuming that's

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your question and ask them, can I can I

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transfer it? My comment would be in

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question. Why are you thinking about

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doing that? It should be the reverse.

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You should be taking the pension amount

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of money and considering it transferring

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it to an annuity in the outside world

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quoting all carriers for the highest

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contractual guarantee.

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If you're one of the nine, not 90, nine

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nine%

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of the people that have a pension in

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place from their workplace.

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First of all, congratulations.

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Um, not many people have that. you know,

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government workers, state workers,

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military, etc., some some good labor

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unions. But what you really need to look

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at is the pension payment that you're

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being offered by the company.

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You need to, okay, what are my choices

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and what's the guaranteed payout? Take

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those numbers and those details. Send me

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an email stantheanuityman.com

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and say Stan America's nuity agent

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licensed all 50 states of Puerto Rico

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founder CGO will do not do Stan please

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do a comparison quote with all carriers

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to see if that pension

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offer that I'm getting is good by the

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way 50 60% of the time it's good. The

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other part of that, you know, when we do

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the comparison quote, if if we can beat

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that quote with an A+ or better carrier,

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then you should consider transferring

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it. You own an annuity for what it will

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do, not what it might do. If the will do

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is higher than what you're being offered

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at your company, you should transfer it.

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If it's if it's higher at the company,

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stay there. I had a guy call me the

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other day, just this situation. I said,

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okay. It was a big company. I said,

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well, all right. Tell me the numbers.

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Tell me how you want it. He goes, well,

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just me and the wife. We we didn't have

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any kids. They want a joint life only.

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So, okay, what's the joint life only

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quote at the company the pension that

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you have that's that offer and then

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we'll run side by side apples to apples

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comparison quote that quote won not by

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much but it won and I said stay there

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and take it good company the company can

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back it up stay there and take it take

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that guarantee I'm going to tell you the

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truth as my grandfather told me a long

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time ago if you tell the truth you don't

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have to remember anything

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that's our business model just tell the

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truth annuities aren't perfect all of

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them have limitations and benefits. And

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you should only look at annuities to

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solve for four things. That acronym is

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PIL. P stands for principal protection.

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I stands for income for life. L stands

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for legacy. The other L stands for

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long-term care. And there's only two

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questions you ask. What do you want the

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money to contractually do? And when do

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you want those contractual guarantees to

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start? From those two things, we can

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determine a if you don't need an

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annuity, and B, which annuity would

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provide the highest contractual

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guarantee while achieving the goal. But

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I've been doing this a long time and I

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don't even remember a time where you

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take an annuity

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in the outside world in the open market

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and transfer it into a pension annuity.

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I I put 99.99 just in case there was a

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weird company I didn't know about that

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mispriced things over here. And we've

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seen that we've seen mispricings happen

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before. One of the other things you need

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to understand if you're having if you

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have a pension type payment that's set

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up for you at work, it's very important

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for you to understand what choices they

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are providing because a lot of those

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don't provide the choices that you want

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like life with cash refund, life with

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installment refund, life with period

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certain, period certain. They might give

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you one or two choices. There's 45

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choices. We're going to give you all of

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them. If you go to my site, you can run

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anonymous quotes. Just put in your date

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of birth or dates of birth of joint,

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state of resident, okay, and gender. And

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you're get the quote anonymous. Not to

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put any any information. You're like,

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Stan, really? Do you I mean, they're

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same quotes as these other sites that

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make me sign up and then they email me

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to death. Yes. Just forget those. I

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mean, just go to the source, get the

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quotes you want anonymously, run them as

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many times as you want. In the future,

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look at the date of this table. in the

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future, everyone will do that because

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everyone will have to do that because if

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they don't, then everyone will come to

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me for the quotes. Same thing for this

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contractual guarantees only mantra that

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I'm on and my focus. You own an annuity

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for what it will do, not what it might

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do. When I started that a long time ago,

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people like that's crazy. Now,

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everybody's trying to go in that

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direction in some form or fashion. But

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still, they go to that growth story

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sometimes for the commission. Those

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growth products have the highest

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commission. Never buy an annuity for

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market growth, please. I I don't want to

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yell it because I don't want to lose my

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voice, but never ever ever buy an

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annuity for non-g guaranteed return

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numbers. If somebody says you, well, if

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you'd have owned it 10 years ago, son,

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this is what you'd have made. Give me a

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break.

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That should be illegal. If I'm annuities

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are for the not for a day, for infinity,

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that goes away. Upfront bonuses go away.

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All the nonsense goes away. We strip

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everything down. All annuities would

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have the same low low low low low

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compressed commission so there wouldn't

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be any agendas. Sounds good. It does

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sound good. It'll never happen.

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I don't know why. Maybe. I'm not going

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to say never. I'm I'm doing a video a

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day out here. By the way, you can email

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me direct stantheanuityman.com.

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I would encourage you to go to my site,

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download the books. I have six owners

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manuals. SPDS, QAX income writers, SPD

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income writers, MAS,

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um, index annuities.

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That's six.

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Six

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for free. And I'm rewriting the annuity

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manifesto. And you're saying, Stan,

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what's an annuity manifesto? Could be

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the best book ever written 14 years ago.

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Now I'm going to update it 14 years

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later. Still alive and kicking. That'll

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be coming out in 2027. If you want your

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free copy, send me an email. We'll get

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you a free copy. Or you can make the

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queen of 38 years, my wife, happy and go

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to Amazon and buy it. She would love

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that.

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But the question was, should I transfer

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my current annuity to my pension

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annuity, my retirement annuity to my

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pension annuity? Probably not. But you

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should consider looking at this one to

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to transfer out for the highest

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contractual guarantee. Remember, highest

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contractual guarantee. The other thing,

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and I'll close with this.

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Guy called me the other day and he goes,

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"Well, Stain, is this a good time to

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buy? You know, this are the guarantees

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at a good a good level?" I'm like,

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"Listen, man. The bell doesn't ring at

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the top or the bottom. I don't know."

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And no, and if anyone says they know,

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they're lying to you. They're throwing a

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dart at it. What you need to look at is

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the contractual guarantee that you're

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considering. If that seems fair to you,

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lock it in.

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Lock it in. You're not going to hit it

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at the top. You've never hit anything at

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the top markets. I love that. People,

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well, is this a good time to buy? Should

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we time it? Like the timing you've done

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in the markets? You mean like that? You

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haven't timed that. Well, have you?

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Well, I've been killing it recently.

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It's a bull market, player. Don't con

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don't confuse genius with the bull

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market. Any monkey or trout fish can

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throw a dart. If a trout had arms, they

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could throw a dart at this thing and

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make money. But you and I both know it's

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eventually going to go up and down,

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right? Put your guarantees in place. Put

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your income floor in place. Own

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annuities for what they will do, not

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what they might do. Schedule a call. You

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might get me. How about that? Wouldn't

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that be just festive? Me and you on the

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phone.

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There's no agendas. I'm just going to

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use these and this and the same

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proportion ratio. Two to one. I'm going

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to listen to you and I'm going to tell

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you the truth. All right. Hey, one last

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thing. There's a spinning clock above

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me. There's a video I did on how to run

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and properly run uh annuity calculators

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and and run annuity quotes. I did a

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video on that that refers to my site,

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which is the only site on the planet

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that allows you to run them anonymously.

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Take a look at that. It's very

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important. I hope you go there and test

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it out and because you're going to like

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it because you don't have to put in your

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name, you don't have to put in your

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email, and you don't have to put in your

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phone number. just your gender, date of

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birth, and state of residence to get the

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best quotes in the country. My name is

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Stan the Annuity Man, author of the

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Annuity Stifesto one and soon to be

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published Annuity Stifesto 2. We'll see

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you next time.