Searching for Growth or Guarantees?

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Welcome to Shooting it Straight with

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Stan. I'm your host, Stan the Annuity

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Man, America's annuity agent, licensed

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in all 50 states. So glad to be here.

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Great topic today. It's a headscratcher.

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It's going to make you think. And the

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topic is market needle

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or annuity haystack. Again, market

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needle or annuity haystack. So, we've

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all heard the thing find an a needle in

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a haystack, right? I don't know where

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that came from. I love those books.

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Found one a site the other day where you

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could like look up the saying and where

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it came from allegedly. It's kind of

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cool. But for this exercise, we're

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talking about markets ups and downs and

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volatility and crypto and all that stuff

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and people trying to, you know, thread

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the needle, thread the needle to get

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these market returns. And you're

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dependent upon so much unknown. You're

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dependent upon markets and world markets

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and geopolitical events and wars and

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things that you c can't predict like

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some of the crypto meltdowns and and um

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earnings reports and whatever. You're

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threading the needle. You're looking for

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the needle in the haystack. You're

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looking for the you're looking for that

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that growth opportunity in a hay stack

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and you might find it. I always say to

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people, you know, investing in markets a

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lot of times is like surfing beside a

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cruise ship. If you think about that,

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think about that. Envision that.

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Sometimes you're going to catch a wave

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right beside that that cruise ship. But

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a lot of times you're going to get

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sucked under the boat.

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Now, I did I recently did a video called

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retire from the retire from your job and

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retire from the markets. And a lot of

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people can do that and should consider

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it. A lot of people can't, but it's it

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should be a goal to not be a slave to

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volatility indexes, CNBC and Fox

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Business. No offense to them. They

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should have me on to speak about this

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anyway

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if they had any guts, but I think it

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would take a lot of uh ad revenue for me

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to be on and that's not going to happen.

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So, but the point is I want you to think

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about kind of where you've been in the

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markets and you've gone on these roller

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coaster rides, you know, um the crashes,

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bond drops, all kinds of you've been

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through it. You've seen it. Wars and

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elections and inflation and and you've

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just been in ups and downs for decades.

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Most of you,

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you're trying to find that growth needle

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in a haststack. My opinion, why not just

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go to the haystack?

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Doesn't matter. You You have to find the

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needle. You found the haystack. What's

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the hay stack? It's contractual

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guarantees. I know what you're saying.

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That's cliche. Come on, Stan. No, I'm

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being serious. Contractual guarantees

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are the haystack.

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Principal protection. Very simple. You

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can do that. Haystack. Contractual

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lifetime income. Easy transfer of risk

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based on your life expectancy or life

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expecties at the time you take the

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payment. Haystack. There's no threading

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the needle for principal protection.

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There's no threading the needle or

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finding a needle in the haystack for

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lifetime income.

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Same thing goes if you want to protect

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yourself for long-term care if you want

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to leave a legacy using annuities. You

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don't have to find the needle. It's a

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hay stack. It's a contractual guarantee.

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Also part of that haystack are all of

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the carriers that we're going to shop

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on your behalf to find the highest

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contractual guarantee for your specific

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situation in your specific state of

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residence.

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That's the hay stack.

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We're not trying to find a needle or the

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best annuity. If anyone says they have

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the best annuity with the best carrier,

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that means they're going on the best

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trip if they sell enough of that best

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product.

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That means there's some incentive or

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that they're lazy and that agent is not

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has has not learned all products in

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order to talk to you about all products.

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Remember, buying annuity is like buying

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a plane ticket. You shop for the shop

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every carrier for the the highest

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contractual guarantee and how you want

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to get there. Same thing.

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You're not looking for that that one

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deal. You're not looking for the needle

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in the haststack. You are looking at the

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haystack.

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And the haystack is all annuity

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companies, all life life insurance

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companies that offer annuities, annuity

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carriers, for lack of a better phrase.

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That's the haystack.

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You have to look for anything. You go to

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the haystack. You shop everything in the

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haystack

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and you choose the highest contractual

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guarantee with the best company that

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will provide the best company meaning

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that me and you decide that can back up

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the claims whether that's a ratings

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agency however however we want to do

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that comex whatever

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that's the haststack.

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So my let me ask you this. I mean why

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are you still looking for the needle? Is

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it an addiction to the markets?

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Do you have too much money in that risk

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pool?

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Do you need to shift some of that needle

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to the haystack? Do you need to shift

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all of the needle to the haystack? Do

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you need to stop looking for the needle

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in the haystack?

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Are you still looking for that what they

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call on the street the tinbagger? You

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buy it for 10 and it go as a stock and

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it goes to 100. Are you still looking

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for that? Really,

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where are you at in your life? I mean,

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is that where you're at in your life or

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is that what you want your life to be?

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And that's okay if it is. I had a call

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with a gentleman the other day. He was a

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corn futures trader. He was like in his

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70s. He was a lack of a better phrase,

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this is a little French. He was an ass

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kicker. I go for it, man. Do it. You

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don't need you don't need contractual

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guarantees. You know what he said? I

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know I don't, but I'm going to buy some

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for my for my wife. I'm gonna buy

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lifetime income for her because she

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doesn't want to trade corn futures and

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that's what we did.

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He was the needle. Okay.

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But I think this is food for thought for

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a lot of you out there, especially in

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the markets that we're in right now

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because they're just choppy and all over

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the place and up hundreds and down

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hundreds and at the time of this taping,

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crypto is going through craziness and

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bad things happening innocent till

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proven guilty for these people. But it

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doesn't look good. It's unregulated.

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It's just wild. You don't need wild. You

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don't need risk. You don't need to be

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looking for needles.

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You know, our main office is in Las

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Vegas. I don't drink, gamble, and I've

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been married for 35 years. So, that

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pretty much does away with everything

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that Vegas is known for except for the

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food, and I like the food.

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But, I'd rather you if you're going to

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risk, you know, come out here. Come come

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to Vegas, which where I'm filming this

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right, come to Vegas and go have fun. At

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least you get a good meal out of it.

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But if if markets and your market

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investments are keeping you up at night

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and worrying and you're watching it too

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much, it might be time to look at the

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hay stack and not for the needle in it.

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Can I get an annuity hallelujah on that?

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Yes,

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it might be time to think about can I

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live off the interest of CDs,

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treasuries, and migas and never touch

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the principal. It might be time to say,

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you know what, in addition to that, the

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best annuity on the planet, which is

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social security, best inflation annuity

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on the planet, I might need to

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contractually add more lifetime income

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to that lifetime income floor.

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For a lot of you, it might be, you know

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what, the three phases of retirement,

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go- go, slowgo, and no-go. I'm in go- go

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right now, but it might, you know,

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eventually we'll all get to slow. And if

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we live long enough, we'll get to no go.

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might be time to put those guarantees in

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place so that a you know what the

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money's contractually going to do

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regardless of how many cylinders your

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brain's hitting on and b making sure

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that you're not a burden to others.

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Hello

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hard conversations.

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Do you still need to be looking for that

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needle in the hay stack? You still need

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to be looking for, you know, what the

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S&P is doing, what the tech sector's

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doing, what international's doing, what

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the bonds are doing, what crypto is

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doing, what your ETF is doing,

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what your options are doing. Do you

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still need to be looking for the needle

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in the haststack?

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It's kind of funny. You're looking for

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the needle in the haststack, but the

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solutions right in front of you. It's

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the haystack.

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It's the contractual guarantees that you

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actually need. And then once they're

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implemented, you'll be surprised

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how good you feel not having to worry

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about things anymore. I want you to

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think back to when you retired. Like for

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the people that's retired, I want you to

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think back to when you retired. For the

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people that are getting ready to retire,

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I want you to think of that day. I want

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you to think of that day of when you

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don't have to think about that anymore.

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You don't have to deal with the people

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that you're dealing with anymore, the

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vendors or whatever your job is. If

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you're a school teacher, the kids, you

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don't have to do that anymore. I want

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you to think about that day. I want you

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to visualize how that will feel. It'll

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be a good feeling. It'll be a

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celebratory feeling. Correct?

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Hallelujah. Annuity. Hallelujah. Now, I

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want you to do the same thing. I want

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you to envision

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all of your money not at risk. I want

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you to vision all of your money

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contractually guaranteed. I want you to

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envision all of your money either

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protecting the principle or providing a

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lifetime income stream so you can go

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live your life.

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I want you to envision that.

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Can you? It's a pretty good feeling if

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you think about it.

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Then why aren't you looking at that? Why

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aren't you at least looking under the

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rock as they say in the south to see

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what's there? Running quotes. Go to my

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site at theanuityman.com. Run quotes.

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Schedule a call with me. Get my books.

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Do some research. Don't just listen to

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your nextdoor neighbor that says

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stupidly, "Well, all annuities are bad

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and expensive." Tell them to go back in

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the house and watch Andy Griffith for

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the 50th time and to shut up. I love

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that show. I'm from North Carolina. It's

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kind of like the the the state approved

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show. Um, but I want you to think about

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that. I know this has been kind of a

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weird one, but it's a good one.

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Needle or do you want market needles or

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annuity hay stacks? Do you want risk

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needles or contractual hay stacks?

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Do you want stock and ETF and crypto

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needles? Or do you want lifetime income

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and principal protection haystacks?

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And hastacks meaning shopping all

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carriers for the highest contractual

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guarantee possible.

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I know which one I want you to do and

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certainly want you as a client, whether

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it's me or whoever, I want you as a

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client. But I want you to go there and

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go live your life and stop looking for

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the needle in the haststack and start

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looking only at that contractual hay

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stack. My name is Stan the Annuity Man.

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This is Shooting It Straight with Stan.

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I'm so glad you joined me and I will see

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you next time.