How To Invest $1 Million In Retirement For Life-Long Income

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How to invest $1 million in retirement for lifelong income or lifetime income

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guarantees. How do we do that? What if we don't have a million dollars? What if we

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have more than a million dollars? What if we have a million dollars? We're going to cover

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every single angle of this question so that you can make a very good decision in just a minute.

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Alright, so, we're talking about how to invest a million bucks in retirement for lifelong income,

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lifetime income. Million bucks. Million bucks isn't what it used to be, right?

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And some of you saying, "Well, I don't have a million dollars." And then some of you saying,

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"Stan, I've got $5 million." Okay? Talking like Thurston Howell the Third on Gilligan’s

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Island. Irrelevant what the money is. Okay? Irrelevant. Just take the amount of money in

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your head. Investable assets. That means not your car, not your guitar, not your house.

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Investable assets. That's what we're looking at. From an investable asset standpoint,

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the rule is, and you'll never hear this from anyone other than Danny, none of math. Why?

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Because every single agent is like a hammer looking for a nail. They're trying to take

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all your money and put it in annuities. Legally, you can't really do that. The rule is 50% of your

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investable assets should be the maximum. Now, there are exceptions, but should be the maximum

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for most of you out there to look at annuities. That does not mean if you have a million dollars,

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I got to put $500,000 in. No, it doesn't mean that. What it means is you need to look at the

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assets. You need to look at what is your income floor. What needs to be your income floor?

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Once again, you're going to hear this from me a lot. You already own an annuity. And all of

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you out there going, "No, I don't. I did never buy an annuity. I'm only watching this because

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it looked crazy and I was wanting to watch it." You do. It's called Social Security.

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It's the best inflation annuity on the planet. So, you already own one. If you have a pension,

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you own two. And if you really want to get tactical, and please let's do,

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your required minimum distributions on your IRA is also an annuity payment player. How about that?

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So, stop with the annuity hating. The question is, what do you want the money to do? Now, in this

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case, we're talking about lifetime or lifelong income that you can never outlive. As long as you

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are breathing and/or on a respirator, the annuity company's on the hook to pay. Which means that,

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Stan, what's my ROI on that? What's my return on investment on my lifetime income annuity,

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Stan? I don't know that, player, until you die. Up until that point, it's a transfer of risk.

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You're transferring the risk to the annuity company to pay for as long as you are breathing.

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And if you set it up joint with your spouse, as long as they are breathing, that's it.

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Nobody ever says, "I don't know what that ROI is on Social Security. What's that?" No

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one ever asks me that. They only ask because I'm Stan the Annuity Man and we offer contractually

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guaranteed annuities with all carriers in all 50 states. For some reason, Social Security is like,

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"Can't talk about it." But annuities, what's my ROI? There is no ROI. You're transferring risk.

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Annuities for lifetime income, and there's four different types: single premium immediate

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annuities, deferred income annuities, qualified longevity annuity contracts,

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and income riders attached to other policies. That's it. Those are the four types. You either

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want income now or you want income later. Go to my site. You can run quotes to your heart's content.

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Here's the cool part, though. Let's go back to the million-dollar example. You say,

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"Okay, Stan, let's look at $500,000. How much is $500,000 going to pay for me and my wife?" Well,

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we can run that. You just got to put in your dates of birth, when you want the income to start,

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and if you want to make sure that the evil annuity company doesn't keep a penny,

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we can structure it so that when your Learjet hits the mountain,

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when your Ferrari hits the tree, 100% of any unused money goes to the list of beneficiaries.

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By the way, that little snort was not me. That was my genius behind the camera. We'll

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just call him Big C. Big C couldn't believe I said Learjet hits the mountain. What I'm

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saying is when you die, but I said it in Southern — when your Learjet hits

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the mountain — we can structure it so that 100% of any unused money goes to the beneficiaries.

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So all of you out there going, I never buy an annuity, Stan,

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because when I die and when my Learjet hits the mountain, money goes poof. No,

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money doesn't go poof. We'll structure it so money never goes poof. We'll structure it so they're on

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the hook to pay contractually regardless of how long you live and breathing. And when you die,

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when your Lamborghini flips going to the country club, and you die because it

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doesn't have good safety up top — I don't think it's all engine anyway, right Big C? Anyway,

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so the point is we're going to structure it so that 100% of the money goes to your beneficiaries.

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We can also structure it so if you have wandering ambiguities of children that would take the lump

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sum and buy a Lamborghini, we can structure it so that leftover money goes in payment form. I call

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it handcuffing your beneficiaries. Lovingly handcuffing your beneficiaries. Bottom line,

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we can structure it that way. We can structure it however you want. It's customized.

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All you have to do is go to our site at theannuityman.com. Run the quotes,

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and if you want to talk to an expert that all talk like me but slower, you can just hit,

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you know, book a call and they'll call right on time. And we're not hammers looking for nails.

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All these people are licensed, but they're not on commission. They get paid a salary,

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and if they do the right thing — how about that? In a sales environment, that's crazy.

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Here's the other thing you can do on our site. If you go to our site and you get a quote,

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you can say, "Well, you know, Stan, we figured it out. Me and you has figured it out

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that we need $3,322 every single month to fill in the gap from Social Security, etc." That's

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my Southern talk. Okay? You can do that, too. You can put into the quote machine, I want this amount

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of money every month for as long as we live, and we'll run the quote, and the quote will come back

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with the carriers that require the least amount of money to back up the contractual guarantee.

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One last thing, because it's in your mind. I can see you. You're leaning forward. You're going,

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"That's fine. That sounds pretty good, Stan. But you know what? Inflation. Tell me about inflation,

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Stan." Okay, let me tell you about inflation. You already own the best inflation annuity on the

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planet. It's called Social Security. The annuity industry doesn't have anything to compete with

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that. Regardless of what Johnny Appleseed agent locally is going to tell you. "Sir,

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let me tell you something. I got this annuity. It'll increase with

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inflation" — He's lying. Or a sociopath, or a little bit of both, or just doesn't know.

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Annuity companies don't give anything away for free. Let's do a visual. Okay,

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lets do because we're on video, and if you're listening to this audio, just go with me. I'll

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try to help. If you buy an annuity without an inflation increase, it's going to start here. For

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the people on audio, my hand is above my head. Okay? If you buy an annuity with an inflation

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increase contractually, the income starts here. For the people listening, it's under my chin.

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There's not philanthropists at annuity companies that wake up every day and go,

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"You know what? I feel like giving money away today. I feel like giving upfront

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bonuses and inflation increases. You know why? Because we like people." No, no, no,

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no, no. There's none of those people at annuity companies. These are for-profit capitalists that

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are going to back up with a contractual guarantee, but they're not going to give a darn thing away.

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There's 100 pennies in the dollar. And if it sounds too good to be true

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with annuities — without exception — it is. Period. End of story. So if you're sitting

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at the bad chicken dinner seminar, but now it's like the expensive steak dinner seminar,

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you know, you elbow Eunice and go, "You know what, that sounds pretty good." It’s not.

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We run everything at The Annuity Man. We run it worst case scenario,

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which means contractual. We have thousands and thousands and thousands

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of clients and billions and billions and billions of dollars of annuities sold,

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and nobody ever calls up and says, "Hey Stan, can you come with the performance

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of that annuity we bought?" No. You already know it. It's the contractual guarantee of the policy.

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So, getting back to the original question, what do

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I do with a million dollars in retirement for lifetime income or long-term income,

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right? It's not about the million — I know that attracted you. It's about you. It's about your

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customized situation. It's about what specific income that you need. And here's the thing:

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If you do need to adjust for inflation, then we buy an immediate annuity at the time you

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need that gap filled for that specific amount. It's really, really that simple.

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Hey, do me one favor. I haven't asked a lot of you, but I'm going to ask now. Go to this video,

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because if you go to that video, I get more in depth about The Annuity Man, what we do,

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the books you can get for free, all the other stuff, the live events that I do,

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all the other stuff that you need to be aware of. So, what are you going to do?

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You're going to do that. You're going to go to the video, and you're going to go

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to my site theannuityman.com, and you're going to run quotes, and if you want to,

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you can schedule a call. It's that simple. My name is Stan the Annuity Man. See you next time.