"Fun With Annuities" The Annuity Man Podcast

Planning to turn savings into lifetime income later? This episode compares three strategies and argues for evaluating them by the contractual guarantees they provide—not by projected returns or sales pitches.   In this episode, The Annuity Man discussed:  The "PILL" purposes of annuities Questions to clarify income goals and timing Income riders and their contractual guarantees Deferred income ann...

Market swings can threaten more than a portfolio—they can affect the retirement lifestyle you've worked toward. This episode makes the case for an income floor as a way to help retirees stay steady through both market volatility and life's changing stages.   In this episode, The Annuity Man discussed:  Sequence-of-returns risk and guaranteed income "Sequence of lifestyle risk" Social Security, pen...

What does it mean to feel financially secure in retirement? Stan The Annuity Man argues that building a reliable income floor can help address the fear of outliving your money—and reduce reliance on market performance to cover essential expenses.    In this episode, The Annuity Man discussed:  Income uncertainty and the fear of outliving your money Building an income floor with Social Security, pe...

What if you could get annuity questions answered around the clock—and compare quotes without handing over your personal details? Stan shares how Virtual Stanley and anonymous quoting are designed to give consumers more access and control.    In this episode, The Annuity Man discussed:  Virtual Stanley and its content foundation Anonymous annuity quotes Online applications across carriers Contractu...

Can an annuity truly keep up with inflation—or is that just a sales pitch? Stan challenges common claims about COLAs and indexed annuities, and explains his approach to covering a specific income shortfall when it arises.    In this episode, The Annuity Man discussed:  Annuity COLAs and reduced starting payments Social Security's cost-of-living adjustment Indexed annuities and income riders Person...

What if the cash sitting in your checking account could compound year after year without the IRS taking a cut of the interest every year? Stan, The Annuity Man, explains how Multi-Year Guarantee Annuities make that possible.    In this episode, The Annuity Man discussed:  The PILL framework: principal protection, income for life, legacy, long-term care MYGAs as the annuity industry's version of a...

That 7.3% next to an immediate annuity isn't a yield. It reflects how long you're expected to live. In this episode, Stan explains why there are only two kinds of annuity rates, and why tracking the Fed won't help you get either one right.    In this episode, The Annuity Man discussed:  The PILL framework: principal protection, income for life, legacy, long-term care Payout rates and life expectan...

Former Wall Street broker turned annuity evangelist, Stan the Annuity Man, argues the industry's most misunderstood product is actually the market's greatest ally. Lock in a guaranteed income floor, he says, and you'll never panic-sell your portfolio again.    In this episode, The Annuity Man discussed:  The income floor and non-correlated retirement income Four lifetime-income annuity types: SPIA...

Could living longer mean receiving lower annuity payments in the future? This episode explores how AI-driven medical breakthroughs could affect longevity, life expectancy assumptions, and lifetime income annuities.   In this episode, The Annuity Man discusses:  AI-driven medical breakthroughs and their potential impact on life expectancy How life expectancy tables factor into lifetime income annui...

Upfront bonuses, free long-term care, unlimited market growth — if the annuity pitch sounds too good to be true, there's a reason. Here's how to spot it before you sign a 10-year contract.   In this episode, The Annuity Man discussed:  FIAs as CD products, not market products Principal protection and locked-in annual gains Caps, spreads, and renewal-rate discretion Deconstructing the four-part sal...

Tired of annuity hype, bonuses, and rosy projections? In this episode, Stan The Annuity Man breaks down the three phases of income rider taxation and shows why the real value of annuities doesn't show up until your account hits zero.   In this episode, The Annuity Man discussed:  Contractual guarantees vs. hypothetical projections What income riders are and how they work The three phases of income...

In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry.   In this episode, The Annuity Man discusses:  Annuities as contractual guarantees, not hypothetical growth The "annuity life coach" and "annuity oncologist" mindset Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income R...

When an upfront annuity bonus looks too good to be true, it usually is—and the real cost can be buried in massive surrender charges and hollow promises. In this episode, you'll hear a blunt breakdown of the fixed index annuity bonus churning strategy and how to protect yourself from it.   In this episode, The Annuity Man discussed:  Dangers of upfront bonuses in fixed index annuities How bonus chu...

In this episode, Stan The Annuity Man pulls back the curtain on how annuity incentive trips can quietly distort recommendations—and how to protect yourself from funding your agent's next vacation. Discover why focusing on contractual guarantees, not sales gimmicks, is the only way to buy annuities on your terms.    In this episode, The Annuity Man discussed:  Incentive trips and conflicts of inter...

Are you "surfing beside a cruise ship" in today's all‑time‑high stock market, hoping you don't get sucked under when the next downturn hits? In this solo episode, Stan the Annuity Man breaks down how to use annuities to lock in lifetime guarantees, build an income floor, and stop confusing a bull market with financial genius.   In this episode, The Annuity Man discussed:  Current stock market euph...

Real market growth never comes with surrender charges—and if it does, you're not really in the market. In this episode, Stan The Annuity Man tears apart "too good to be true" annuity pitches and shows you how to separate true contractual guarantees from sales hype.    In this episode, The Annuity Man discussed:  Real market growth vs surrender charges Proper role of annuities and contractual guara...

Retirement isn't the end of your story—it's Chapter Two, and it's all about stacking reliable income so you can actually live the life you've worked for. In this episode, you'll learn how to build a non‑market‑correlated income floor using annuities and other guarantees so you never outlive your paycheck.    In this episode, The Annuity Man discussed:  Defining "Chapter Two" and the three phases o...

In this solo episode, Stan, The Annuity Man, explains why trying to "time" annuities is a losing game—and how focusing on simple, contractual guarantees can transform your retirement income. If you've ever wondered whether to wait for better rates or turn on your income now, this breakdown will challenge your assumptions and put lifestyle back at the center of your planning.    In this episode, Th...

AI can scrape the internet, but it can't customize your retirement or take responsibility for your annuity decisions. In this episode, Stan breaks down why you should never outsource your annuity strategy to ChatGPT—and what to do instead.   In this episode, The Annuity Man discussed:  AI vs. human advice in the annuity world Risks of relying on ChatGPT for annuity research Customizing annuity con...

Multi-year guarantee annuities (MYGAs) might be the most overlooked "bond alternative" in your retirement plan. In this episode, you'll hear a Wall Street bond veteran break down why MYGAs behave like annuity bonds, how he personally uses them, and why guarantees—not hope—should be paying your bills.    In this episode, The Annuity Man discussed:  Background in Wall Street bond management What MYG...

Most people have more than enough to live well in retirement—but still can't bring themselves to spend. In this episode, we unpack the "scars of scarcity" that keep you stuck in fear and show you how to finally enjoy the money you worked so hard to earn.    In this episode, The Annuity Man discussed:  Scarcity mindset and emotional money scars Early-career financial struggles and family stories Ha...

In this episode of Shooting It Straight with Stan, Stan "The Annuity Man" breaks down his signature Annuity Man Trifecta and why annuities should be bought for contractual guarantees—not hypothetical dreams. Discover how he shops all carriers, screens for top-rated companies, and layers in his three decades of experience to protect your money and your peace of mind.    In this episode, The Annuity...

Annuity companies are counting on you to forget about your MYGA so they can quietly roll it into a low-paying renewal. In this episode, Stan The Annuity Man breaks down how the auto-renewal game really works—and exactly what you should do instead to lock in the highest contractual guarantees.    In this episode, The Annuity Man discussed:  What a MYGA is and how it functions like a CD How auto-ren...

Discover why annuity income riders are designed to keep you "stuck" with your carrier—and why that isn't always a bad thing if you understand the contractual guarantees. This episode cuts through the sales hype to explain the real math, the "monopoly money" side of riders, and how to decide whether to stay or move your annuity.    In this episode, The Annuity Man discussed:  Four primary ways to g...

Learn why locking yourself into irreversible annuity payments isn't the only way to secure lifetime income. In this episode, you'll hear how non-annuitized income riders can give you contractual guarantees and the flexibility to turn income on and off when life or tax laws change.    In this episode, The Annuity Man discussed:  Annuitization explained and "water faucet" analogy Single premium imme...