How To Protect Retirement Savings From Market Volatility

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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. Um, founder of

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CGO contractual guarantees only. You own

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an annuity for for what it will do, not

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what it might do. Today's topic is how

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to protect your retirement savings from

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market volatility

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using annuities. I'm assuming that's

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what you're looking for and or else you

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I'm assuming you've also been pitched

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these great stories out there about

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these annuities that can give you market

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upside with no downside and all these

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great too good to be true stories. I'm

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going to cover all of that after this.

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Okay, loaded question. How do you how do

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you protect your money and your

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retirement savings? What you've really

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worked hard for from market volatility

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in chapter two of your life? It's all

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about lifestyle. It's not about growth.

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Okay? So, the biggest thing that you

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need to do is put in what I call the

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income floor. That's your social

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security. That's the best annuity you

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already own. Best inflation annuity. If

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you have a pension, that's another

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annuity. That amount of money that's

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going to hit your bank account

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regardless of what happens in the

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markets with volatility. You know, the

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question you have to ask yourself is, do

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you want to put up with that anymore?

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Have you already won the game? If I

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always say, if you've won the game, why

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are you still playing? Annuities solve

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for four things. The 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.

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That's it. They don't solve for market

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growth. Never buy an annuity for market

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growth. Never buy an annuity that has

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surrender charges that promises market

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growth. Never buy an annuity for non-g

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guaranteed returns, hypothetical,

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theoretical, projected, back tested,

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unicorns, taste of the butterfly. Never

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buy that. There are three types that

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sound good in a sales pitch. variable

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annuities, registered index annuities,

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index linked annuities, and indexed

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annuities. And the pitch is say for

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index annuities, you get market upside

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with no downside. You get market

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participation with principal protection.

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Now, that seems to solve the topic,

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right? How do you protect your

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retirement savings from market

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volatility? Well, this guy said, I can

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have my cake and eat it, too. I can get

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market returns and protect the

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principal.

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Come on now. If that was true, that's

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all Goldman Sachs would buy. If that was

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true, that's all JP Morgan would buy. If

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that was true, that's all Morgan Stanley

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would buy. If that was true, that's all

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Meil Lynch would buy. If that was true,

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that's all hedge funds would buy.

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They're not buying that.

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Middle America's buying that because it

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sounds good. In addition to that,

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the sales people in the industry that

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are pushing these products will say,

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"Oh, in addition, the annuity company's

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going to give you an upfront bonus.

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They're going to give you free money."

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Once again,

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do you believe that? Do you believe

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there's a CEO at an annuity company

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that's given money away without a fee,

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without a catch, without an asterisk?

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No. There's a 100 pennies in the dollar.

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Indexed annuities were put on the planet

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in 1995 to compete with CD returns, not

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the market. It's not a security.

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So, annuities can protect you from

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volatility. If you said, "Stan, I don't

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want to lose any money, but I want a

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guaranteed interest rate." That's a

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multi-year guarantee annuity. That's not

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an index annuity. You say, "Well, Stan,

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why why did the guy only show me index

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annuities?" Because the commission's

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higher, much higher, multiple times

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higher than multi-year guarantee

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annuities. Multi-year guarantee

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annuities are the industry version of a

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CD. I call it an annuity bond.

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Guaranteed interest rate for a specific

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period of time that you choose. You can

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go to my site, you can pull up the the

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best MIGA rates for your specific state.

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No market attachments, no indexes, no

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caps, no spreads, none of that nonsense.

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Variable annuities and registered index

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annuities are also part of the sales

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pitch of, you know, protect your money

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from market volatility and get market

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growth. I don't sell either one of

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those. Those are securities. I don't

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sell those. I don't need to sell them

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because I sell contractual guarantees.

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But once again, if you're looking for

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market growth, never buy an annuity. If

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you're looking for market growth and

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market returns, never ever buy an

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annuity. And yes, I'm speaking straight

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to the annuity industry. If you want

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market growth, go get it. Remember,

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principal protection,

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income for life, legacy, and long-term

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care, the acronyms, pill, we ask two

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questions for every single person. What

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do you want the money to contractually

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do? And when do you want those

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contractual guarantees to start? That's

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it. keyword contractual. If you want to

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protect yourself from market volatility

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with principal protection, that's a

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multi-year guarantee annuity. If you

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want to protect yourself from market

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volatility with an income floor and

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lifetime income products, that's going

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to pay for as long as you're breathing

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or if it's set up joint with your spouse

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spouse as long as one of you is

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breathing. Those are the four lifetime

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income products, SSDs, QX, and income

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writers. And you can go to my site and

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run those quotes anonymously. You don't

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have to put in your name, phone number,

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or email. Just put in your gender, state

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of residence, uh, and date of birth and

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run the quote anonymous and get real

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quotes. Those are live quotes. Those

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aren't those aren't some some guy said,

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"Are those like, you know, are those

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like estimates?" No, those are quotes.

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Those are real quotes from the companies

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coming in from the companies. You can

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protect yourself from market volatility

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using annuities, but there are no

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products that do it perfectly.

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So if someone's pitches you something

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and it sounds perfect, well shoot, I get

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market returns and protect the

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principal. I get market participation

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and principal protection. Get up, walk

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out and I get an upfront bonus. Upfront

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bonus is candy for the stupid. You

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cannot be that dumb. You cannot be that

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gullible. Buying buying an annuity for

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an upfront bonus is like buying the car

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for the stereo system. Makes no sense.

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If it sounds too good to be true, it is

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every single time with annuities. No

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exceptions. Keep it simple. If you can't

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explain it to a second grader, a

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nine-year-old, don't buy it. No offense

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to second graders and nine-year-olds. It

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has to be something you fully

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understand. You can protect yourself

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from market volatility.

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I did a video recently um about

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income annuities are Wall Street's best

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friend. When you have your income floor

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in place, then you don't have to disrupt

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your investments because your income

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floor is in place. We are Wall Street's

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best friend. That does protect you from

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market volatility because you have your

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you have your income floor in place. I

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encourage you to go to my site.

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Yes, you can talk to me. You can email

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me stantheanuityman.com. You can book a

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call with me. you. There's a virtual

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Stanley on my site that's been fed all

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2,000 of my videos, all seven books, and

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all 400 articles and every one that I do

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every day. You can talk to virtual

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Stanley 24/7, 365, and he's going to

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answer like me. You can run quotes

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anonymously.

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You can do online applications if you

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don't want to deal with humans. How

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about that? We're the only ones to do

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that.

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Well, when it comes to market

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volatility, there are ways to do it with

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annuities, but there are no products

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that perfectly do it. Got it? Okay,

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good. One last thing. I did a video that

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um you'll get a kick out. It's about the

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virtual Stanley. It's about all the

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technology that we're doing that, you

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know, AI means artificial intelligence.

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AI also means annuity innovation that

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we're leading on. We're the pioneer. The

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guy who runs my company's from Google,

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very, very smart. and he is taking this

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to the next level from a technology

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standpoint. But you still have old

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redneck Stan. You still have me you can

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talk to and I do these videos every

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single day. But we're giving you the

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option to talk to Virtual Stanley or

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talk to me. Do the online apps or do

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them with my my staff in Las Vegas.

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Everybody under one roof. Okay? So go to

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my site, talk to Virtual Stanley. I

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think he's probably a little bit more

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fun than I am, but he is as

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knowledgeable because all the stuff

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that's come out of my brain has gone

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into his brain. My name is Stan the

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Annuity Man. I'll see you next time.