How Do I Protect My Retirement Savings From A Crash?

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Hi there, Stan the Annuity Man,

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America's annuity agent, licensed in all

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50 states in Puerto Rico. The founder of

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Contractual Guarantees Only, which is

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you on an annuity for what it will do,

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not what it might do. Question of the

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day is a loaded one. And be careful who

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you ask. Again, boy, these these

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questions. Glad that I'm addressing them

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because these are rabbit hole questions

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of sales nonsense.

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How can how can I protect myself in my

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retirement from a crash?

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I've uh I've heard some I've heard some

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good answers to this. I've heard some

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bad answers to this. I'm going to give

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you truthful answers to this

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after this.

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So, this is a great sales pitch line for

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a lot of index annuity people. Um,

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there's one that I think use I don't

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know where they're located, but they use

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it and they use the word crash in their

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in their um marketing. I'm not putting

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him down. I don't even know his name.

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But the point is people will say, "Well,

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this guy says, you know, this one's this

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one will prevent prevent us from a

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crash." Well, so will a hole in the back

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of your yard if you put your money in

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there as well. Fixed annuities issued by

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this issued by life insurance companies

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and overseen at the state level, they're

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fixed. They're principal protected.

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Okay. So, if you said, Stan, what would

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protect my retirement savings from a

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potential crash? I mean, it's not just

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annuities, but fixed annuities would be

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a choice. one of the choices, you know,

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CDs, money markets, treasuries,

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whatever. There are some safe places to

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put your money, but nobody knows when

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there's going to be a crash. No one

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knows if there's going to be a crash,

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but no one should be should be selling

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you products based on fear. Okay? And so

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what this title bothers me because

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there's a lot of of shysters out there

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that will talk about the crash, the

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upcoming crash, crash this, and and and

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scare you.

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And they'll say things like, well, you

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know, you can protect the principal, but

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you can still get market returns.

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There's no such thing. Sounds good.

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I mean, sounds great. Just doesn't work.

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I mean, what they're talking about are

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index annuities or buffer annuities or

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or whatever those the package products

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are. As I always say, if it has a

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surrender charge, then it's not market

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growth. True market growth does not have

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surrender charges. There's not a too

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good to be true product. Upfront bonuses

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don't don't pay the bill.

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It's part of the overall contractual

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guarantee. There's a 100 pennies in the

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dollar. You've got to be smarter than

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that. But unfortunately, every week I

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get calls from people that aren't

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smarter than that, that fell for that.

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That fell for you get upfront bonus,

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market upside with no downside, free

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long-term care, lifetime income. It's

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growing at 8% yield. Garbage upfront

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bonus candy for the stupid 100 pennies

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in the dollar. There's no there's no

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market upside with no downside. Doesn't

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exist. Long-term care is a health

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insurance product not attached to an

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index annuity. And the 8% growth on the

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income writers monopoly money. I just

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destroyed that freaking sales pitch. But

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that sales pitch can also be attached to

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and prevent you from from getting hurt

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in a crash. If you're going to do that,

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if if that's your goal, Stan, I don't

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want to lose any money, but I want an

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interest rate, a guaranteed one. That's

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a MA, a multi-year guarantee annuity.

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It's a fixed rate annuity. I call them

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annuity bonds. You can go to my site.

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Don't have to put in any information.

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Just pull up the MAS for your state. put

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it the duration contractual.

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If you said, Stan, what is a what is a

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the perfect fixed annuity to pro to

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protect me from the crash? Well, if you

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don't need lifetime income, then it's a

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MIGA. It's not an index annuity. Period.

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End of story.

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But also understand that when you're

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getting a lifetime income stream, and

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there's four products for that SPSDS,

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QAX income writers, that's a lifetime

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income stream. That has nothing to do

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with anything in the markets. It's a

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transfer of risk lifetime income product

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that's going to pay you and if you set

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it up joint, you and your spouse for as

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long as you're breathing and or on a

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respirator backed up by the life

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insurance company A+ or better. Are we

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going to have another crash?

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Historically, the answer is yes. You

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know, I've seen two 87 2008 and the next

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one's coming. Next one's going to be a

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doozy. It really is going to be doozy.

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So I think you will start seeing some

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ads start being run by by the sociopaths

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in the annuity world about crash and you

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know flight to safety and all that

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nonsense. You know what you have to

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understand is annuities solve for four

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things and that acronym is pill. P

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stands for principal protection. I

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stands for income for life. L stands for

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legacy. The other L stands for long-term

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care. And you ask two questions. What do

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you want the money to contractually do?

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When do you want those contractual

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guarantees to start? It's that simple,

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guys and gals. It's really that simple.

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You have to you have to make the

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decision based on fear. You make the

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decision based on contractual

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guarantees. Contractual guarantees

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squash fear. But it's coming. It's

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coming from the standpoint of market

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volatility. We all know that. And it's

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also coming from the marketing of all

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this nonsense. Now, I'm going to try to

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squash all of that with, you know, video

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every single day and calling these

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people out for the for the shysters that

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they are, praying on people's fear,

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scaring them to death, forcing them to

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sign paperwork. It's ugly.

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It's ugly. It's scary.

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And you have to be aware of what's out

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there, you know, and and you have to you

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have to understand that most, you know,

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most local agents, they're only going to

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sell you one product.

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I don't know how that's being a acting

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like a fiduciary or putting the client's

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best interest ahead of theirs, but it

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happens. Okay. What I would encourage

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you to do, go to my site and go there a

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lot. I've got books you can download.

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You can you can sign up for my

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newsletter every Saturday. You can watch

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a live event in the replays. You can see

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my daily videos. You can email me. You

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can book a call. But the best thing that

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you can do, and I just did a video on

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it, is how to use the calculators and

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the quote systems to your benefit. And

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the best way to do it, my site is the

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only one that allows you to do it

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without putting your name in, putting

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your email in, or putting your phone in.

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You run anonymous quotes. Just put in

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your gender, your age, or your state of

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residence. anonymous quotes and real

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quotes and names of companies just like

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if you put in all your information. What

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you now know is people that provide

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quotes like me,

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we don't have to have that information.

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I don't want that information. I'm not a

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data company. I want you to be a client.

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You know, if you're a client, we'll get

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that information confidentially because

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we have to establish and take care of

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the the the application of the policy

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for you. But up until then, it's

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irrelevant to me. And I don't know about

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you, but I don't like going over the

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going all over the internet putting my

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information in. It also prevents you

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from putting in [email protected].

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I don't want that either. Wasting my

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time. Just put in your date of birth,

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gender, state of residence, and run the

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quote. There's nothing we can do with

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gender and date of birth. [laughter]

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I mean, what are we going to do?

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Nothing. Last thing. Virtual Stanley.

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You're saying, Stan, how are you going

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to do this for in perpetuity? Well,

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guess what? Virtual Stanley is on the

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site. You can ask questions. It's me,

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uh, the smart the smart people in the

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room at, uh, couple guys from MIT

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started a company taking all my AI

7:57
stuff, all my intellectual property,

8:00
videos, books, etc., and you get to ask

8:02
questions to virtual Stanley 247 365 and

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get real answers. How cool is that? Love

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that. You know, Stan the Annuity Man

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living in perpetuity.

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All good. Listen, all kidding aside, we

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do want you as a client. I'd love to

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talk with you personally oneonone and

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make sure that you're making a decision

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correctly on your terms and your time

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frame. So, book a call and um I'll see

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you next