Take Control of Your Retirement Future

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Hi, my name is Stan the Annuity Man. I'm

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licensed in all 50 states. I'm known as

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America's annuity agent because I tell

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the brutal truth about these products,

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which needs to happen. I have a t-shirt

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on that says nothing in moderation. I do

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nothing in moderation and it includes

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educating people about annuities. I

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really do not I don't rest. I do

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podcast. I write blogs. I write articles

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for na national publications. I do

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YouTube videos every single day, Monday

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through Friday. I am on a mission to

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educate every single person out there on

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annuities and if annuities fit their

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specific situation. Let's just be

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upfront. I do sell annuities. That's how

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I make my living. I'm the top guy out

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here. But that doesn't mean you need an

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annuity. In fact, there's a lot of cases

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where you don't. And when people call me

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and I always ask them the 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 happen

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from those two answers? I'd say 30% of

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the time when people scheduled an

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appointment with me, and you can do that

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at the annuityman.com, I say, "Hey,

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under those parameters of what you gave

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me, your goals, you should never buy an

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annuity." Period. I am fine with saying

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that. And if we have a conversation,

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I'll say the same thing to you. But what

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I want to talk to you about today is

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taking responsibility for your money.

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[Music]

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Now, I know we live in a world where

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there's advisors and you go to your bank

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and the banker's trying to sell you

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something and you go to bad chicken

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dinner seminar and the annuity guys

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trying to sell something and I also

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understand that there's the Vanguards

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and Fidelities and all these Schwabs and

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all these online services where you can

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manage your own money and take

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responsibility for your own money, but

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it's a lot bigger than that. It's almost

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like your health. You have to take

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responsibility of being healthy, eating

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well, exercising, making sure as you get

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older that you are checking off all of

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those boxes personally so that you can

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live a very good life. Same thing

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applies when it comes to annuities. And

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what makes me mad is to see people not

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taking responsibility with their own

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money. You've worked hard. Most people

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that are watching this, and I'm assuming

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that's you right now, you're watching,

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you're taking your time out, and I

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appreciate that, but you've worked hard

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for your money years and years and

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decades and decades and scrimped and

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saved and 401ks and and the matching of

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the employers and putting up with crap

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at work and not liking your job or

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whatever, and you've laid it on the line

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for you and your family. You've laid it

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on the line and you're at the finish

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line or you're there in retirement or

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thinking about retirement and you've got

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this large amount of money. Don't just

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hand it to somebody and say, "I trust

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them." It might work out, but you know

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what? It might not. And you do not have

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time to make a mistake. When you're

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looking at retirement, and there's

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10,000 baby boomers retiring every

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single day. Every single day. Well,

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hitting that retirement age. 65. I guess

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a lot of them aren't because they can't,

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but they're hitting that that 65 year

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old age every single day. 10,000 people

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a day, seven days a week. That's a lot.

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It's a demographic title wave. Period.

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When you're at that stage or you're

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close to that stage, think of it like

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running four laps around a track for a

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mile. You're at lap three and a half.

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You're there. You can see the finish

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line. You're getting ready to put your

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head across it and break the tape. You

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cannot afford to make a mistake. You

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cannot afford to trust that person

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across the table from you that says,

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"Oh, I got this. I've got this. I've got

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the risk for you. I'll manage that risk

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for you." Heard that before? Okay. You

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have to take responsibility to do your

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homework. You have to take

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responsibility to understand your risk

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tolerance. That's a big one. Do we all

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want to have the next apple or buy the

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next what was the one that just hit the

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Beyond Meats? That veggie burger and it

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went up like 100%. Of course we do. We

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all want that. We all want to be that

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that Gordon Gecko person. But you're not

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that person. And I'm not that person.

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You've never been that person. I've

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never been that person. Stop trying to

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be that person from here on in. From

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here on in, when you take responsibility

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for your money, what I'm going to tell

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you to do is a baseball analogy. I need

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you to hit bunt singles. I don't need

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you to hit singles. I don't need you to

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hit doubles. I certainly don't need you

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swinging for triples. And holy crap, do

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I not want you hitting home runs because

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you can't go backwards. Remember the

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three and a half lap scenario? You're

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right there. You need to hit bunt

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singles. You're at the principal

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preservation stage of your life. You

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don't need to lose any money. you just

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need to make some or you don't need to

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lose any money. You just need more

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income guaranteed and make sure that I

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can do contractually that if you die, if

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your lerjet hits the mountain, 100% of

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any unused money goes to the

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beneficiaries. Why? Why is that

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important? Because you've worked hard

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for it. You've worked hard for it. You

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don't want the evil annuity company to

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keep a penny of it. Unless you just say,

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"Stan, that's what I want because I hate

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my family." I'm down with that, too. But

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most people, 99% don't want that. You've

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worked too hard for it. I don't care if

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it's $50,000, $200,000,

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$400,000, $10 million. If it's a lot of

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money to you, then it's a lot of money.

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There's no minimums when you work with

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standing annuity man because why? I grew

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up in rural North Carolina with zero

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money. My family didn't have money. They

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worked in the mills and they were

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farmers. That's it. That's where I come

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from. And the reason I even got in the

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business of financial services, and yes,

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I was with Dean Witter and Payne Weber

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and Morgan Stanley and UBS. The reason

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that I was in the business is because I

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did not understand how all these other

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people were buying stocks and all that

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stuff and my whole family wasn't. Who

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are those other people and why aren't we

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doing that? That's why I was in it and

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I've been in it from day one from the

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second I stepped out of college. That's

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what I've done. I've taken

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responsibility for the money. I learned

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about it. I need you to do the same

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thing. I need you to tap into our

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resources. Whether it's these YouTube

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videos, my podcast that I release every

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week, my six books that I'll send you

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for free, the blog post that I put on my

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site at theanuityman.com, having a

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nonpressured conversation with me, set

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an appointment to do that. You need to

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get educated. Period. You need to take

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responsibility for your money. You took

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the responsibility to build it up. Now,

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you've got one more step. take the

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responsibility of that lump sum to make

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sure that you are doing the right thing

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for you, the right thing for your

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family, the right thing for your legacy.

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Period. And I know you know this. I know

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you're saying, "Stan, why are you

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yelling at me?" Because I see people

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make mistakes. And at and when you get

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to the finish line, when you're at at

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lap three and a half, you can't make

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mistakes.

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You can't take those risks anymore. Just

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like an old person like me, I can't run

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up and down a basketball court anymore.

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Why? cuz my knees would blow out. Same

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thing when it comes to money. You can't

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do the things you used to do when you

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were young when you had time to make it

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back. You need to take responsibility

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for that. You need to shift your

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thinking. You need to shift from taking

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risk, shouldering risk to transferring

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the risk, right? You do. You know that's

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true. That's why you're listening to it.

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That's why that me and you are talking

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right now. So, with that, I encourage

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you to use all the resources that we

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offer at theanuityman.com under no

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pressure, under no obligation, under no

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cost. Use our calculators. Go through

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the gamut of annuities. Learn it all.

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And you might say, "Hey, you know what?

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I don't need an annuity." That's fine.

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But at least do your research. Don't

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take someone's word for it. Would you

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take someone's word for it? If you got

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Let me let me end with this. If someone

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told you that you had cancer, if you had

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a doctor that said you had cancer, and I

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can say that because I'm a melanoma

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survivor, okay? So, I'm not just

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whistling Dixie here. If someone said

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that, are you just going to take that

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person's word? Are you going to go see

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somebody else and say, "You know what?

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Do I have cancer? Are you going to get a

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second opinion on that? Are you going to

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verify? Are you going to do your

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homework? Are you going to take

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responsibility?" What's the difference

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when it comes to your money? What's the

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difference?

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There is no difference. And you know

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what? It's as severe and as important

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for you to take that type of attitude

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with your money because as you know all

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those people behind you, the wife, the

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kids, everybody, they're dependent on

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it. I'm Stan the annuity man. Here's

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what can happen when you make the wrong

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decision. Okay, let's just take just

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recent events where markets are just so

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volatile. You know, I told someone the

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other day that when I was working with

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the big firms, the the Morgan Stanley,

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Dean Wooders, UBS, Pay things that

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happened in a year back then are

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happening in a day right now. I mean,

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500 points moves, you'll see it in a

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day. Back then, we'd see it in a year,

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maybe if we were lucky. So, how can you

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make a mistake? I had a person call the

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other day, and this was tragic. This was

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a tragic story and I kind of kicked

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myself a little bit. But part of what I

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do as the annuity man is I do not high

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pressure anybody. I present you with the

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facts. I present you with the best

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quotes. I educate you and then I leave

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you alone to make a decision on your

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terms and on your time frame. I never

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push ever, ever. And this person and I

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had been talking and he was wanting to

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in this case buy an immediate annuity

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and set up a lifetime income stream for

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his family. And it was a big decision

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because it was a big number. I mean it

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was a big number. And I said, "Hey, take

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your time. Take your time on that." All

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right? Because it is a big decision

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whether you want to transfer the risk or

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shoulder the risk. So what happened?

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Markets, you know, get hit, etc. He

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calls me crying. Grown man, 75, crying.

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Said, and was mad at me for not making

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him buy the annuity. And I said, "Just

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slow down there. We'll call him Chester

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because I call everybody Chester." So

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slow down, Chester. I don't do that. I

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don't push people into anything. It's

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your decision. He had lost $600,000

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in the market dip. He was 75. He didn't

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have the time to make that up. Now,

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hopefully hopefully markets will return

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so he can get part of that, but I don't

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think so. Uh maybe they will, but I

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think he sold a lot of it. He panicked

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and sold. So, he lost $600,000

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in his stock portfolio. I'm not saying

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stocks are bad. I'm not saying mutual

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funds are bad. I'm not saying ETFs are

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bad. But there's a time and place for

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everything. There's a time and place for

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risk tolerance. There's a time and place

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to take some of that risk off the table.

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And that's just a horrific story where a

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grown man just kind of saw it all go

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away. Poof. So, what I'm encouraging you

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to do is take responsibility for your

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money. Take a look at your portfolio.

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How much risk are you shouldering and

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how much risk are you transferring? And

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that's not some annuity pitch. I'm not

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pitching you annuity. I'm pitching you

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to take responsibility because I don't

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want another grown man calling me

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crying. I don't want that. But you know

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what? It's going to happen because

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everybody wants to be a the big hitter.

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Everybody wants that extra couple

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percentage points. I'm telling you, it's

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not worth it. What's worth it is

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lifestyle. And that's what I want you to

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focus on. And I'll see you on the next

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Stan the Annuity Man video.

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[Music]