Guaranteed Lifetime Income In Retirement

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Hi there, Stan The Annuity Man, America's annuity agent, licensed in all 50 states and

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Puerto Rico. Founder of Contractual Guarantees Only. Buy an annuity for what it will do,

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not what it might do. Contractual guarantees in retirement. Lifetime income in retirement.

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All of those machinations that people are always looking for.

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“How do I get there, Stan?”

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“How do I do that, Stan?”

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“Should I do that, Stan?”

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“Are annuities all bad, Stan?”

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“Why does everyone hate annuities, Stan?”

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“Why does my advisor advise against this, Stan?”

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Good questions, and I'm going to answer them after this.

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So, in retirement, what I call chapter 2— chapter 2 is about you. Guaranteed

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income in retirement is the bogey. It's not trading stocks. It's not doing

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futures. It's not shorting things and doing predictive markets. I hope. I hope that's not you.

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It's about lifetime income. It's about the income floor.

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It's about your lifestyle. It's about you living out your life.

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There's three phases of retirement: go-go, slow-go, and no-go.

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Go-go, I hope you're there now.

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Slow-go, you need to go as far as you can.

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And no-go, you're drooling on yourself and crapping into diapers.

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My father, who was one of the toughest SOBs on the planet, read the book

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by Pat Conroy. I forgot what the name of that thing was there, but anyway,

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it was a good movie. Had a little brain fart there, and I went, “What was that book?”

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The Great Santini. The Great Santini, it was a movie and it was a book by Pat Conroy,

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and that's my Dad. Just a tough guy, basketball coach, tough guy.

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But at the end, tough guy was wearing diapers. I mean, he was wearing diapers,

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could barely eat. I mean, 82 years old, he had a good run.

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But what I'm saying is, you've got to live your life.

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He did not do that. He scrimped and saved and worried about every penny,

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let the IRS live in his head rent-free.

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My Mom, currently at 87 years old,

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is living the life, and she's living the life she always wanted to live.

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What I'm telling all you A personality males out there is that if your wife wants to do

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more things from the standpoint of travel, go to better restaurants, buy better clothes, do that.

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If you don't believe them, ask them, okay? They'll tell you.

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For the ladies out there that have lost a spouse that's watching this, I hope you're enjoying your

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life. I hope you're doing like fey, my Mom, which is she's living life every single day.

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87 years old, she's been to three countries this year

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and three major cities, traveled with her friends. I love that.

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But what's that all about? That's about guaranteed retirement income.

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So, let's talk about my Mom for a little bit.

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She's got Social Security, and she worked as a teacher in the North Carolina system,

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so she has a pension. That's her income floor.

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In addition to that, the money that she has in

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CDs— we pull off the interest of that. That's her income floor.

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What's your income floor?

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Like, if I said, “What's your income floor? Where's it all coming from?”

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Could you tell me? Could you tell me to the penny?

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Could you tell me to the penny in addition to what

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it actually should be and then actually what you want it to be?

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Can you tell me that gap? What's the gap you need to fill? Because that's where I come in.

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“Well, Stan, the income floor right now is $2,000. We really need $3,500 a month.”

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Great. Let's go solve for $1,500 a month contractually.

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Here's the reason your advisor is against it.

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Number one, they cannot charge a wrap fee morally. If they have any morals whatsoever.

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They can't charge a wrap manual— I mean, a management fee to an annuity.

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Number two, because of number one, they want to manage it,

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charge a fee, and then tell you they're going to take profits out.

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That's called the 4% rule. That's ridiculous, okay? That's been shot down by so many people

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that are a lot smarter than me. They've shot it down factually.

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So, if someone says, “No, no, no.

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Just let me manage it. Let me manage it. We'll just peel off the gains.”

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Hey, dart-thrower advisor,

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what happens if the markets go down? Do we still take the 4% out?

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Of course, you do. And then you've got to make it back up.

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Give me a break.

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And if Johnny Appleseed agent says, “Well,

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that's the reason you need to buy an index annuity or a RILA.”

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BS.

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You either want contractual guarantees or you want

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market growth. You can't have both. You cannot have your cake and eat it too.

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Bring it on, all you haters out there.

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[email protected]. I will fillet you like a flounder.

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I'm right.

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Retirement income, lifetime income for retirement— there's only one product:

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Annuities. Annuities.

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There's five products where you protect your principal and can get an interest rate:

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money markets, CDs, multi-year guarantee annuities— the annuity

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industry version of a CD— Treasuries, Triple-A municipal bonds. That's it. That's it.

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Okay? Those are the five places to put your money to protect the principal,

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and you can peel off interest if needed.

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But lifetime income products are going to pay as long as you're breathing.

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And if AI solves things, if you live forever, it's going to pay forever.

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That's the reason we've got to go A+ or better for lifetime income.

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You can go to my site at theannuityman.com and run

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quotes all day long. We had over a million quotes run last month by consumers. Love that.

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Books downloaded hundreds of thousands of times. I have six owner's manuals.

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Download them. They're free. Educate yourself and then interact with us.

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Schedule a free call, free consultation. We use our ears and mouth in proportion.

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You can even get me at [email protected].

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If you don't want to speak to one of my experts, say, “I want to speak to

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Stan.” I'll figure it out. We'll figure our schedules out, and I'll talk to you.

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And we're not hammers looking for nails.

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But when it comes to retirement income, it's contractual.

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Last thing I want to talk about with retirement income is inflation.

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Because if you're not thinking about it,

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some Johnny Appleseed's going to say, “Well, how about inflation, sir?”

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Well, they can't solve it either, okay? Nobody can solve for inflation contractually.

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The way that we do that is that when your income floor, whatever that amount is, when you need

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more, we do a reverse-engineer quote to solve for that gap using the least amount of money.

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Anybody, anybody that says that they have a product that adjusts for inflation,

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increases with inflation, they're full of crap. Full of crap.

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Because guess what? If that product existed, I would do video, after video,

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after video, after video, telling you about it and driving it into your head.

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So, when you get pitched something locally,

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you've got to say, “Wait a minute. Has Stan The Annuity Man talked about that?”

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Because if he hasn't, then that's kind of a red flag.

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Why is Johnny Appleseed agent locally talking about it and

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the number one agent in the country not talking about it?

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You know why. There's no free lunches. There's free seminar

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lunches. Swallow the food, not the pitch.

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But if it sounds too good to be true, it is every single time.

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So, when you're talking about retirement income, your retirement income,

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let's look at the contractual guarantees only. Let's not do hypotheticals and theoreticals.

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Let's not do the 4% rule with your professional dart-thrower advisor.

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I always tell people this, and I was with Morgan Stanley, I was at UBS, Dean Witter, PaineWebber.

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Okay? My comment to everybody is the people that really know how to trade markets,

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that really understand it, you're never going to meet them. They're not at the local place, okay?

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There's not some genius there. He's just a professional dart-thrower, or she. That's okay.

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In a raging bull market, an ape can throw a dart and make money.

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And most advisors out there have never seen a down market. I have.

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We can help you with retirement income. Let us help you with your guaranteed retirement income.

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We represent all carriers. For lifetime income, it's A+ or better. No debate,

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no argument. Not going to meet you in the middle. It's A+ or better.

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You just have to trust me on that one.

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Do me one last thing, one last favor. Above my head, spinning clock that shows another video.

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And you say, “I just watched a video.”

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That one you need to watch because it's about lifetime income,

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but it's about how artificial intelligence is getting ready to change the annuity game.

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Even though the annuity industry is not talking about it, even though they know

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the annuity industry is ignoring it like it's not coming, but they know

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it's coming and they're happy it's coming, and you need to watch that video to find out why.

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