Income Uncertainty or Annuity Guarantees: Shootin’ It Straight With Stan

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Are you concerned about outliving your money in retirement? Income uncertainty is a real concern, but contractual annuity guarantees can help eliminate that uncertainty by providing a lifetime income stream.
In this episode of Shootin’ It Straight With Stan, Stan The Annuity Man explains why establishing a guaranteed income floor is essential to retirement planning. From Social Security and pensions to lifetime income annuities, Stan breaks down how you can create predictable monthly income without relying on stock market performance.
Learn how annuity guarantees can help protect against longevity risk, provide financial stability throughout retirement, and ensure income continues for your spouse.
Watch and Enjoy,
Stan The Annuity Man
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0:00
Welcome to shooting it straight with
0:01
Stan. I'm your host Stan the annuity
0:03
man. America's annuity agent licensed in
0:06
all 50 states. Founder of CGO
0:08
contractual guarantees only. You own an
0:10
annuity for what it will do, not what it
0:12
might do. I do encourage you to go to my
0:13
site at theanuityman.com. You can
0:16
download books. You can chat with
0:17
virtual Stanley. You can run anonymous
0:20
quotes. All you need to put in is your
0:21
date of birth, gender, and state of
0:23
residence and get the same exact
0:25
real-time quotes. These aren't
0:27
estimates. Um, you can schedule a call
0:29
with me if you want to as well. You can
0:31
you can buy things 24/7 365. Fill out
0:34
the application online if you choose or
0:36
you can use us. We have the best staff
0:37
in the business if you want to do that.
0:39
Today's topic with shooting it straight
0:41
with Stan is income uncertainty
0:45
or annuity guarantees. Now, if you watch
0:47
television a lot, and unfortunately I
0:50
have it on the background a lot because
0:51
I'm one of those people that needs that
0:53
constant thing rolling whether it's
0:55
music or or something in the background.
0:57
whether I'm sleeping or awake, I just
0:59
need it. It's just my how my brain's
1:00
wired. And I hear things like food
1:03
uncertainty, which means you don't have
1:05
enough food and you're hungry. Or
1:07
housing uncertainty, which is means
1:09
you're homeless. And I guess that's a
1:11
better way that place better way to say
1:13
that. Or more politically correct, which
1:16
I thought we were done with, but I guess
1:17
we're not. So I'm like, okay, if you're
1:20
gonna do that, let's let's get to the
1:22
meat of the matter.
1:25
What really plagues the country
1:28
is income uncertainty. Can I get an
1:31
annuity amen on that one?
1:34
The first thing that I ask my clients or
1:37
potential clients and and and let's just
1:39
be straight here. I want you as a
1:40
client. We're top top agent in the
1:42
country. I want you as a client. We're
1:43
licensed in all 50 states,
1:46
open 12 hours a day.
1:48
But my question is, do you have enough
1:50
income? Yes or no? And if the income
1:53
you're depending on,
1:55
if it's a yes, is that coming from
1:57
markets? In other words, are you taking
1:59
gains off a portfolio? That's not
2:01
income. That's that's hopes and dreams
2:03
player.
2:05
Okay. If Johnny Apple Seed Advisor is
2:07
saying, well, you know, we'll just
2:08
manage the assets, sir, and then we'll
2:11
just peel off the gains and you don't
2:13
have to interact with that Stan the
2:15
Annuity Man character and his guaranteed
2:18
message.
2:20
That means that kid I have cowboy boots
2:24
older than them than them. That means
2:26
that kid has never seen a down market.
2:29
That means that kid thinks everything
2:31
goes up. And maybe it will. Maybe they
2:33
will buck the trend.
2:35
But having having seen two downturns, 87
2:40
2008, the next one's coming and it's
2:43
going to be a doozy.
2:46
So, if you have the ability to solve for
2:49
income uncertainty
2:52
or what some people call longevity risk,
2:55
meaning the fear of outliving your
2:56
money, why don't we just call it the
2:58
fear of outliving your money
3:01
instead of income uncertainty
3:05
on on the 6:00 news? John, I we're
3:08
really noticing a lot of income
3:10
uncertainty amongst the public these
3:11
days. And the the upcoming elections are
3:14
going to be about income uncertainty.
3:17
Come on, man.
3:20
I'm asking you because you turn tune
3:22
this in to think say, "Hey, man. What's
3:24
this stand the annuity man character got
3:26
to say?" Income uncertainty. What's
3:28
that? That means that you don't have
3:30
your income floor in place. What's your
3:31
income floor? Very good question. It's
3:33
Social Security, best inflation annuity
3:35
on the planet that you already own. It's
3:37
a pension if you're so fortunate to have
3:39
one, which is also an annuity.
3:41
And it's other link income annuities
3:44
that provide that income floor, that
3:46
amount of money that's going to pay your
3:48
bills and create the lifestyle that you
3:49
so worked hard to achieve. That has
3:52
nothing to do with politicians, either
3:54
party. That has nothing to do with wars,
3:56
whatever country. That has nothing to do
3:58
with anything. Markets, SMS Markets,
4:01
Bloomberg, CNBC, Fox Business. Who gives
4:04
a rip?
4:08
Income uncertainty
4:10
sold by only one product. This is not me
4:12
being a homer. This is me being a
4:14
realistic, factual person. Annuities
4:19
are the only category that can provide
4:21
lifetime income that's going to pay for
4:23
as long as you're breathing. There's no
4:25
ROI until you die. has been sold in this
4:28
country for over 200 years and since the
4:30
Roman times for lifetime income.
4:33
Don't say, "Well, Stan, you couldn't you
4:35
do that with a laddered long-term bond
4:37
portfolio?" No, you can't
4:46
income uncertainty. I don't care how big
4:49
your portfolio is. If you don't have an
4:51
income floor in place that's
4:53
non-correlated
4:55
translation, please stand.
4:57
Non-correlated means has nothing to do
5:00
with the stock market. Has nothing to do
5:03
with the markets.
5:06
Is there such a thing, son? Yes.
5:10
Lifetime income annuities. There's four
5:11
types. Spqx and income writers. When two
5:15
questions, what do you want the money to
5:16
contractually do? When do you want those
5:17
contractual guarantees to start? If you
5:19
say income and then you say whatever the
5:22
duration, what how long you want to wait
5:23
till it starts, then we can match you up
5:26
with the product that will provide the
5:28
highest contractual guarantee. Or you go
5:30
to my site and run anonymous quotes.
5:31
Just put in your date of birth, your
5:33
gender, and your state of residence and
5:35
get the same quote that every other
5:37
people trying to nip at my heels and try
5:39
to compete with me, which is a joke.
5:41
It's like me taking a person 5 foot2 and
5:44
playing one-on-one with them at the Y.
5:46
I'm going to win a 100 to nothing or 100
5:49
to one.
5:52
What those other sites do is they take
5:54
your name and your email and your phone
5:56
number that you put in that we don't
5:58
require you to put in and they sell your
5:59
name, a lot of it, a lot of them, for
6:02
$150 to $300. You ever wonder how people
6:05
get your name and they just call you and
6:07
bug you and ping you and all that stuff?
6:09
Your name's being sold. If you're
6:11
wanting to get annuity information, go
6:13
to my site. run the quotes anonymously.
6:16
Get my gap information anonymously. The
6:19
only time you're going to have to give
6:20
me your phone number is if you want to
6:21
schedule a call and talk to me,
6:26
income uncertainty.
6:29
I guess if I was running for office
6:31
under the contractual guarantees only
6:32
party of which I would win because can
6:35
you even imagine me on the stage with
6:38
some of these idiot politicians of any
6:42
level? I don't care if it's Congress,
6:43
Senate, President. Can you imagine me up
6:45
there? I would flay these people like a
6:47
flounder.
6:49
It would be a joke.
6:54
But if I wanted to win, I would talk
6:56
about income uncertainty. And a lot of
6:58
these people are doing that now.
7:01
Affordability.
7:03
They're talking about affordability.
7:05
What? How do you solve for
7:07
affordability? Have an income. problem
7:10
is a lot of people don't want to work
7:11
but they still want the income. For you
7:14
out there that have assets and in the
7:17
top 20% you're watching this because you
7:19
are in the top 20% of society from the
7:22
standpoint of net worth or or
7:24
accumulated assets and you worked hard
7:27
for it, right? You sure did. You're a 20
7:30
year or 30-year overnight sensation. Can
7:32
I get an annuity amen on that? I want
7:35
you to stop listening to CNBC and and
7:38
and Fox Business and Bloomberg. You got
7:40
to be in the markets. You got you just
7:42
got to go all in at this point. No, you
7:44
need to put in your income floor and
7:46
solve for that income uncertainty.
7:48
Income floor is the amount of money
7:50
that's going to hit your bank account
7:51
every single month that you don't do not
7:53
have to worry about. You don't have to
7:55
watch the midterms. You don't have to
7:57
watch the presidential elections. You
7:58
don't have to watch anything on cable.
8:00
You literally can watch the Flintstones.
8:02
Great show. the Flintstone cartoon
8:05
Forever or Gilligans Island or Andy
8:10
Griffith. If you're from the South, just
8:11
watch it on the loop. If you got your
8:13
income floor in place, watch Andy
8:15
Griffith.
8:17
If you don't know what that is, please
8:18
Google it. But, but the people watching
8:20
this know.
8:23
But annuities solve for income income
8:26
uncertainty. Annuities contractually,
8:29
not hypothetically, not theoretically,
8:32
not hopefully, contractually solve and
8:36
eliminate income uncertainty.
8:39
That's going to stick in your head.
8:40
You're going to be like, income
8:41
uncertainty. Stand income uncertainty.
8:44
What was that again? Income uncertainty.
8:47
I just love how whatever focus groups
8:50
these politicians hire to get these
8:52
stupid sayings. I'm just piggybacking on
8:55
them going, "Hey, income uncertainty,
8:58
it's blown out of the water by annuity
9:01
guarantees, lifetime income. Hey, Stan,
9:04
what's the return on that? I don't know
9:05
that player until you die." What if I
9:06
lived to 150? They're going to pay. What
9:08
if I lived 165? They're going to pay.
9:11
Well, then I guess there's no income
9:13
uncertainty with annuities. you think.
9:21
And here's the other part. Wall Street
9:23
loves me. They really do. I get I get
9:25
love letters from CEOs from major
9:27
corporations all the time saying, "Thank
9:29
you, Stan. Thank you so much for putting
9:32
in the income floor for our clients
9:34
because they're better investors because
9:36
of it.
9:38
Thank you, Stan."
9:40
Now I don't respond because I don't have
9:41
time. But the point is income income
9:45
uncertainty for a lot of people in this
9:47
country you it's not solvable because
9:49
they don't have any money. There's no
9:51
hope. I don't know what the answer is. I
9:53
wish I did. But for you out there that
9:57
have money in the markets and you're
9:58
wondering why you're still in the
9:59
markets,
10:01
put the income floor in place and wipe
10:03
out your income uncertainty. And more
10:05
importantly, if you have a spouse, solve
10:08
it for them. So when you die and your
10:10
Corvette hits the tree, that Corvette
10:12
you just bought and earned,
10:15
that the income continues uninterrupted
10:18
and unchanged for them. That's Shooting
10:20
It Straight with Stan. I'm Stan the
10:23
annuity man. Pretty happy to be here.
10:26
We'll see you next time.
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