Income Annuities: Wall Street’s Best Friend: Shootin’ It Straight With Stan

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Welcome to Shooting Straight with Stan.

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I'm your host, 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. Today,

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today's topic is a good one. Income

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annuities, Wall Street's best friend.

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And you're saying, "Wait a minute, Stan.

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Wall Street likes annuities."

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Yes,

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absolutely. And let me tell you why. And

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I have the cred, the credibility to even

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talk about it because I used to work

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with Dean Witter which was then

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purchased by Morgan Stanley. So I worked

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for them and then I went to Payne Weber

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and then UBS bought Payne Weber. So I

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ended my Wall Street run uh with UBS.

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But I understand that side of the

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ledger. I understand those um

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organizations and Wall Street in essence

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not wanting to sell annuities because or

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recommend because they can't charge a

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wrap fee. But the the reality is

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um when you put your income floor in

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place, you're a better investor. What's

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your income floor, Stan? That's social

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security, pensions, dividend stocks,

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side hustle, REITs,

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uh lifetime income annuities, etc. That

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amount of money that's going to hit your

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bank account regardless of what happens

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in politics, globally, AI, whatever,

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it's going to hit your bank account.

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It's your income floor. It's it's what

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you need to focus on in chapter two of

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your life when you're going into

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retirement. And if you're going to

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continue to invest in markets,

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you're going to be a better investor.

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Income annuities are Wall Street's best

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friend because if there's volatility in

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your market type investments, then you

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don't have to disrupt or sell any of

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those because you have you have your

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income floor in place.

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Think about it for a second. Now,

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there's four types of annuities that

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provide lifetime income. single premium

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immediate annuities, SPAS, deferred

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income annuities, DAS, qualified

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longevity annuity contracts, QAX, and

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then income writers. All four of those

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are going to pay for as long as you're

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breathing. If you set it up joint with

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your spouse or whoever, um it's going to

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pay for as long as one of you is

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breathing. And we structure them, unless

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you tell us otherwise, so that 100% of

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any unused money, if you die early in

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the contract, will go 100% to the list

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of beneficiaries of the policy. And the

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annuity company doesn't keep a penny. So

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you're transferring the risk for that

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annuity company to pay for the rest of

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your life or joint life, rest of both of

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your lives, as long as one of you is

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breathing. Even if there's no money in

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the account, it's going to pay.

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Annuitities have a monopoly on lifetime

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income. It's the only product. Now, for

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whatever reason, the annuity industry

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seems to focus on non-g guaranteed.

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There's three types of non-g guaranteed

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um annuities that um is market growth

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type stuff. But my op my opinion on that

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having you know worked for the firms

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worked on Wall Street myself you never

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buy an annuity for market growth. You

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never buy an annuity for potential. You

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never buy market growth that has

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surrender charges. I mean if you want

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market growth go get it.

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But in the future my picture just think

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about it. My picture framed on the wall

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of JP Morgan Goldman Sachs Credit Swiss

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Morgan Stanley Mel Lynch all of them is

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going to have a picture of me. I'm going

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to hand write something to the CEO

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because, you know, we'll be friends at

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that point in time because I I am their

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best friend

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and they're going to realize that I'm

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their their best friend and they're

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going to lean into my message of of you

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own an annuity for what it will do, not

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it not what it might do. So, what I want

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you to think about is not, you know, you

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can't go all in on annuities, and I

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would never allow you to do that. In

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fact, the industry doesn't want any more

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than 50 up to 60% of your total

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investable assets, not your car, guitar,

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or anything like that or house. Okay?

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Um, that's not included. I'm talking

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about investable assets in annuities.

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And I always say for your income floor,

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let's use the least amount of money to

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solve contractually for that amount you

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need in the income floor. And if there

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is inflation, then we can, you know,

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reverse engineer a quote to solve for

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that gap that you need to fill. But I

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want you to segment your investment.

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Income floor is over here.

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Non-correlated, which means it's not

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attached to the markets. It's not

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affected by the markets. Noncorrelated

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income floor. And then over here is your

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investments. This is the this is the

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nonanuity side. Once again, there's not

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an annuity out there you should buy for

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market upside. Bring it industry. If you

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want to yell at me, keep keep yelling.

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I'm right. You know that. So this side

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over here the market growth side that's

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nonannuities over here it could be a

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combination of a lot of things you know

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CDs money markets munis treasuries migas

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lifetime income annuities etc reetss

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whatever's bringing in side hustle c

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your cotton candy vendorship at the at

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the at the fair on the weekends

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whatever's bringing in that monthly

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amount

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in retirement I got this question the

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other day what's the best from I think

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it was from one of Wall Street Journal

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somewhere I was doing an interview. What

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What should people really focus on going

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into retirement? Their income floor.

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Once you have that income floor in

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place, you're a better investor. And you

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might say, "Well, Stan, I don't want to

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do markets anymore." Okay, run, don't do

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it. But you still have you need your

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income floor. But there's arguments for

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you to continually have market type

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potential upside, especially in these

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markets. Who knows what's going to

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happen, but it seems good at the time of

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this taping. But what's needed and what

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is required is the income floor.

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What you cannot do is what used to be

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called the 4% rule. And the 4% rule was

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the master of the universe dart throwing

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advisor because that's all they're doing

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is throwing darts. I mean the people

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that really know markets, you're not

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going to ever meet them, okay? They

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don't deal with with uh you know

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one-on-one clients. They're

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institutional tech people. They know

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what they're doing. Okay? But you're a

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person good intentions. They're throwing

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darts, etc. But if they say something

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like this, hey, forget Stan. Forget the

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contractual guarantees only. Forget

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owning annuity for what it will do, not

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what it might do. Forget the fact that

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you already own the best inflation

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annuity on the planet, Social Security.

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Forget the fact that you can add a

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lifetime income stream annuity that you

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can never outlive. Forget that. Forget

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all of those contractual thoughts. Let

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me manage the money and then we'll just

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take off some of the profits for income.

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It's called the 4% rule. Well, Mr.

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Jones, let's go all in on the market and

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we'll just take 4% of the profits out.

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[clears throat] That's been disproven by

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much smarter people than me. Okay. But

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if you fall for that, then you get what

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you deserve when the markets go down. So

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my question to, you know, master of the

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universe advisor, okay, great. What

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happens when the markets go down? You

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still got to take out the 4%. Now we're

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down 24%. And you got to make that up.

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Good luck, player.

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Put the income floor in place. The

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income floor is Wall Street's best

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friend. The income floor is your best

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friend. The income floor is going to

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make your spouse very happy because I've

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been married 38 years to the queen and

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I've been in the financial business my

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whole life. The queen could care less

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about any of the financial business. All

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she wants to know is Stan the annuity

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man. She does call me that because I

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require it. She goes, "Stan the annuity

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man, my loving husband, if you die

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unexpectedly,

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is there enough income floor in place so

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I can go see the kids and the

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grandkids?" And the answer is yes.

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other stuff she doesn't care about.

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Other stuff, who cares? All she wants to

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know is about is the income floor. And I

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will guarantee you that one that some

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somebody in your relationship, your

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spouse or significant other, one of you

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doesn't care at all about annuities,

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markets, anything. They just want to

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know that the income's flowing and it's

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going to come in. It's going to come in

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for as long as they're breathing.

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I'm getting ready to flip the industry

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upside down. I already have with what

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I've done with to the 2,000 videos,

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seven books, etc., 400 articles, and

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they're growing. I do I do a video every

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day, new content. I'm going to flip the

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industry upside down. Annuitities are

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investors best friends. Annuitities for

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lifetime income.

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Wall Street's going to embrace my

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message and we're going national with

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it. And nobody else in the industry has

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the guts or the kahunas as they say in

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Hawaii. Zeke behind the camera that to

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even say what I'm saying they want to

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sell potential hypothetical theoreticals

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unicorns chasing the butterfly annuity

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types crap garbage. If you want growth

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don't buy an annuity. If you want

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guarantees, buy an annuity.

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It's that simple. I would encourage you

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to go to my site and run quotes on SPDS,

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QAX, and income writers. And you can run

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those quotes anonymously. We are the

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only ones to to provide you that

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platform. All you have to put in is your

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state of residence, your date of birth,

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and your gender or gend dates of birth

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or genders for if it's joint life. We

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don't require you to sign up. I'm not

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building a database. I'm building

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clients.

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You can do it anonymously. You can look

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at my live uh fixed rate feed with my

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multi-year guarantee annuities, which is

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the annuity industry version of a CD.

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You can download my free owners manual,

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six of them. You can schedule a call

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with me. You can email me

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stantheanuityman.com.

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We're transparent. I'm brutally honest.

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I'm going to tell you the truth. I'm

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going to tell you if you're someone's

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pitching you garbage, I'm going to tell

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you if someone's showing you something

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good and I'm hoping that you're going to

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choose us as a client. Another thing

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that we do that no one else does, we

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have something on our site called

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Virtual Stanley. If you don't want to

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schedule call with me, you know, it is

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what it is. Virtual Stanley is me. Um,

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we fed uh the the

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Virtual Stanley the 2,00 videos and the

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books and the articles and everything

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I've said and you're going to get those

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answers from Virtual Stanley 247365. You

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can do your applications online 247365.

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We're the technology leader in the

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annuity industry, but I own the company,

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the Queen and I, and I'm involved every

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single day. And you can get me. I'm not

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just some dude on YouTube. I'm a person

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that will actually call you if you want

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me to call. I'm a person that that I

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literally oversee all thousands of cases

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that's running through the uh my company

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at any point in time. We're based in Las

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Vegas, Nevada. We're open 12 hours a

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day, Monday through Friday, and eight

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hours on Saturday. That's 68 hours a

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week. That's unmatched. Everybody in my

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office, including the receptionist, is

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licensed in all 50 states because you

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legally have to be. But they're not on

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commission.

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different business model. We're going to

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change this industry. But what I want

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you to think about is Wall Street,

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stocks, bonds, mutual funds, whatever,

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ETFs. And then you have the guarantees

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over here, and that's annuities,

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non-anuities, annuities. You got to have

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both. You have to have contractual

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guarantees over here with the income

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floor, and then you have to have the

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growth. But the good part is because you

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have the income floor,

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the growth side's going to go go better

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and do better because you're not going

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to panic and you're not going to sell

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when you don't need to sell. We all know

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those stats that there's those five days

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when markets are volatile that you

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shouldn't sell. So income annuities,

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lifetime income annuities, Wall Street's

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best friend. You heard it here first,

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but it's not the last time you're going

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to hear it. My name is Stan the Annuity

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Man. That is Shooting It Straight with

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Stan. See you next time.