How To Protect Retirement Savings Over $500,000

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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 of Puerto Rico, founder of

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CGO. Contractual guarantees only, which

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means that you own an annuity for what

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it will do, not what it might do. Only

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the contractual guarantees. Never buy an

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annuity for potential hypothetical non-g

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guaranteed returns. So today's topic is

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how to protect retirement savings of say

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a half million dollars, but let's just

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say any amount. Okay? How do you do that

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with annuities? Annuities aren't the

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onesizefits-all.

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Um, it's not the panacea, but since I'm

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Stan the annuity man, I'm going to give

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you the options on how to do that when

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you're considering using annuities and

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if you want to consider using annuities

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and how to shop for that. We're going to

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do all that after this.

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So, how do you protect your retirement

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savings of any amount? 500,000, 100,000,

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200,000, a million, doesn't matter.

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You know that you've worked hard for the

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money. I'm not going to sing the song. I

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could. Um, you've worked hard for that.

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You've scrimped, you've saved, you've

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done without, you've planned. You're a

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30-year overnight sensation,

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right? So, now you're here. So, what do

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you do? How do you protect it? You don't

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want to get caught up in a down cycle of

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a market turn. You know, I've seen those

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in ' 87. I saw it in 2008 where people

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got wiped. You know, I always say, how

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do you know when it's a a real bare

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market is when your neighbor walks out

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in his front yard and throws up. I mean,

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that's when you know it. I mean, I

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started way back in the day um the first

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crash and I remember um I remember in

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the building I was in. I don't want to

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get too detailed um because you could

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pull it up and I don't want you to do

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that. But a but a broker was shot. Guy

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came in and shot him. He was in the same

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building with me. I'm like, that was

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like my first year in the business. I'm

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like, woo. I remember my wife saying,

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"Are you sure you want to do this?" I

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actually I do. I do. I want to I want to

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I want to do good out here. I think I'm

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doing that. But how do you protect it?

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It really comes down to a couple things

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with with annuities. Um, annuities solve

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for four things. And the acronym is PIL.

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P 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 then we ask two questions.

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What do you want the money to

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contractually do? and when do you want

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those contractual guarantees to start?

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From that, we can determine what product

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type and there's many types of annuities

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that can provide the highest contractual

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guarantee for what goal you're trying to

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solve for. But if you're trying to

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protect retirement savings, that can

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mean really two things when in the

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annuity world. The first thing is just

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principal protection. The P of the

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principal P I L principal protection

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comes down to two products in my world

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that protect the principal. One of them

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of which I would recommend you look at

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for principal protection. The two

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products are index annuities and

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multi-year guarantee annuities. Index

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annuities we only use for lifetime

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income as a delivery system for an

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income writer. We do not utilize that as

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a standalone because the guarantees are

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not are are the there's no guaranteed

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return. It's all hypothetical

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theoretical, so we don't do that. Okay.

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Multi-year guarantee annuities are the

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annuity industry version of a CD. That's

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like a It's like an annuity bond. You're

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buying a guaranteed interest rate for a

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specific period of time. You can put it

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in your IRA, Roth IRA, and cash account.

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Any of those three. And in the cash

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account, non-qualified, the interest

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grows in compound tax deferred.

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Obviously, it does that in the other

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two, but it does that also in a in a

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non-qualified account.

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No moving parts, no annual fees, no

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market attachment, completely

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non-correlated to the markets at all and

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and the interest compounds. You can

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choose some that allow you to take out

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the interest or 10% every year

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penalty-free. So there's liquidity and

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then at the end of the term, you have

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the decision to either roll it to

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another one or get all your money back

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with interest. Your call if you hadn't

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taken all the interest out during the

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time period. So if you say, "Stan, I've

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got $500,000. I got $200,000. I got

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$100,000. I got $50,000. I got $700,000.

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I don't want to lose a penny and I don't

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want to pay any fees. That's a MOA.

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That's not an index annuity with an

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upfront bonus. Don't be stupid.

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Don't let that agent take advantage of

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you. It's a multi-year guarantee

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annuity. Well, why didn't they show me

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that, Sam? Because it's like a a tenth

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of the commission of an indexed annuity

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or it's it's horrific. Remember index

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annuities? That's a CD product, but the

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but the returns are not guaranteed. My

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are guaranteed. You can go to my site at

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theanuityman.com

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top right hand corner see live rates you

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can pull it without putting in your

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information just depending your state of

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residence and the duration it'll pop. So

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that's one way to do it. How do you

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protect retirement savings of any amount

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100,000 200,000 500,000 doesn't matter.

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You can also do that with with a

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lifetime income stream product and make

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sure that the annuity company's not

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going to keep a penny. That's one of the

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biggest misconceptions people. Well, I

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never bought an annuity stand for

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lifetime income because uh you know my

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my my adviser told me that when I die

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the annuity company keeps the money.

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Your adviser an idiot. Okay. Um you can

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structure it and we will structure it

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for you so that 100% of any unused money

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goes to the beneficiaries. The evil

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annuity company never keeps a penny even

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though they're on the hook to pay for as

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long as you're breathing. And if it's

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joint for long as one of you is

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breathing. So if you die Chester, okay,

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the income continues uninterrupted and

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unchanged for Ernestine.

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until she passes. And when she passes,

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whatever's left in the account goes to

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the beneficiaries. If she lives forever

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and there's nothing in the account,

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she's drawn it down to zero. The annuity

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company's on the hook to pay. That's the

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reason I say there's no ROI until you

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die. But that's called protecting.

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That's protecting that money.

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It's either going to go to you or you

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and the spouse if you set it up joint

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for as long as you're breathing. But if

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both of you die in the fiery lerjet

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crash day two, 100% of the money goes to

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the beneficiaries. That's protecting it.

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So you have to make the decision on what

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does protecting your retirement savings

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mean? Does it mean just a a MA CD type

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product that just protects the

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principal? There's no fees and then you

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can take interest out if you want, but

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you don't have to maybe. or is it a

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lifetime income stream

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that you protect 100% of the principle

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if something happens to you, but they're

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going to pay as long as you're breathing

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or on a respirator.

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Both work. Me and the queen been married

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38 years. MAS, we do mas. We protect the

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principal. We let the interest grow and

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compound.

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It's pretty simple.

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The queen loves it. She's from rural

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Nebraska. She goes by Warren Buffett. I

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mean, she's a Warren Buffett fan. He's

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from Nebraska. His rules are are pretty

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simple. Rule number one, never lose

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money. Rule number two, Warren Buffett,

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don't forget rule number one. That's my

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wife. That's the queen. She doesn't want

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to pay fees. She wants the interest to

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be fair, which it is. You know, migas

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are. And she wants them to grow and

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compound.

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And guess what? Our two daughters, the

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princesses, they'll deal with the

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they'll deal with the death benefit.

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They'll deal with it.

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I don't care. They'll be fine. But

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that's what we do. That's what it means

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to us. But it might mean in the future,

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let's just say that, you know, my uh my

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Nissan Z hits the tree. We might need to

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get a lifetime income stream that we

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protect. That that could happen as well.

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But that's the way to do it. If you

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said, Stan, I got this lump sum. Forget

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the amount, but let's just say it's a

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lump sum. How do I protect it? You

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either protect the principal or you

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protect the principal with a lifetime

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income stream, but the annuity company's

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on the hook to pay for as long as one of

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you is breathing. And the reason that

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that's important to look at in

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conjunction with this is that life

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expectancy tables are in your favor

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right now. Artificial super

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intelligence, whatever you want to call

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it, hasn't gotten to the life expectancy

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tables yet. keyword

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yet, but when it does, it's going to

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lengthen out projected life

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expectancies, which means there'll be

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more payments, which means the payments

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will be lower. This isn't a sales pitch.

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This is a fact. Lifetime income is a

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bargain right now. A+ or better, by the

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way. So, that's it. You know, we

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encourage you to go to my site at

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theanuityman.com.

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You can schedule a call with me. You can

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um email me. There's a button. Just say

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email Stan. You can shoot me an email.

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You can run quotes anonymously. You

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don't have to put in any information,

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your state of residence. We do that

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database. You know, if you want become a

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client, then we'll put you in our

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database. It's that simple. Do me a

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favor. One last thing. I did a video

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spinning clock above me. I want you to

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hit that. It talks about kind of the the

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interesting road that we're on from a

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technology standpoint and just a client

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journey. What's the journey if you

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become a client of ours? customer

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journey they call it in the business. I

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heard a guy from Google, very smart,

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very young. I've got cowboy boots older

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than him. Think about it. He can barely

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spell annuity, but boy is he smart. And

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what he's done upon my request and

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direction is given you two roads. You

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can do online applica. If you find

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something you like, you run the quotes

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or find the ma. You can do an online

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application. We're going to call you at

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the end because we got to make sure

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you're a real person. But you can do an

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online app. Totally safe encrypted. You

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talk to Virtual Stanley. Virtual Stanley

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ask him questions 24/7, 365. So, you can

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talk to me or talk to Virtual Stanley.

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you. We're open 12 hours a day. You can

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And I'm proud of that. So, you know,

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stay tuned. We want you as a client. We

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want you to consider us as a client just

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blending the old school and the new

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school together. Obviously, I'm old

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school, but um the new school stuff is

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fun as well. And I think it's good

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because you can on your terms and your

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time frame shop and learn and quote and

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do those things. Okay. My name is Stan

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the Annuity Man. We will see you next

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time.