Retire For Less With The Annuity Expert

If you have $400,000 saved up for retirement, exactly how much guaranteed monthly income will that buy you? Over 4,000 people have asked us this exact question recently, and the answer depends heavily on your age, how long you defer the money, and the type of payout structure you choose! In this video, Shawn Plummer from The Annuity Expert runs the live math to show you exactly how much a $400,000...

If your annuity is performing well, you might be wondering if you can deposit more cash into the account to keep it growing. The answer is: It depends entirely on the specific premium structure of your contract! In this quick video, Shawn Plummer from The Annuity Expert breaks down the critical difference between a Single Premium Annuity and a Flexible Premium Deferred Annuity. Shawn explains exac...

Are you thinking about cashing out or moving your current annuity into a traditional bank CD? Before you make the transfer, you need to understand the IRS rules so you don't accidentally trigger a massive tax bill! In this video, Shawn Plummer from The Annuity Expert answers whether or not you can transfer an annuity to a CD. While transferring an IRA Annuity to an IRA CD is perfectly fine, moving...

If you have hit age 73 and are being forced to take Required Minimum Distributions (RMDs) from your qualified retirement accounts, what should you do if you don't actually need the money to live on? In this video, Shawn Plummer from The Annuity Expert breaks down five highly efficient strategies for high-net-worth retirees who want to protect their RMDs, defer taxes, and maximize their legacy. Fir...

A massive fear for pre-retirees is putting their money into an annuity and feeling like it's locked away forever. But what if you could protect your principal, take heavy penalty-free withdrawals, and have full access to your original investment by year 10? In this video, Shawn Plummer from The Annuity Expert breaks down a real-life case study for a 67-year-old client. The goal: Protect $200,000 f...

Interest rates are officially increasing for the second time this year! Starting May 1, 2026, we are seeing another massive wave of rate hikes across the board, making this literally the best time to buy an annuity since the 1990s. In this timely update, Shawn Plummer from The Annuity Expert breaks down exactly what these increases mean for your retirement portfolio. Shawn explains why Multi-Year...

If you put your life savings into an annuity, what happens if the insurance company suddenly goes bankrupt? While annuities do not have FDIC insurance like a traditional bank account, they do have a powerful, built-in safety net designed to protect your money! In this video, Shawn Plummer from The Annuity Expert answers the critical question: Who actually guarantees annuities? Shawn breaks down ex...

If you are hitting age 50 and want to retire in the next 10 to 12 years, how exactly should you be setting yourself up for success? While many financial pundits tell you to keep aggressively dumping your money into the stock market, that kind of risk could force you to work years longer if the market crashes right before you retire! In this video, Shawn Plummer from The Annuity Expert breaks down...

If you have a half-million dollars saved for retirement, exactly how much guaranteed monthly income will that buy you? The answer depends on your age, how long you defer the money, and the exact type of payout structure you choose! In this video, Shawn Plummer from The Annuity Expert runs the live math to show you exactly how much a $500,000 annuity pays per month. Shawn breaks down immediate inco...

One of the biggest complaints people have about lifetime income annuities is how long it takes to break even. What if you didn't have to wait 15 years to get your original investment back? In this video, Shawn Plummer from The Annuity Expert breaks down a highly effective strategy for retirees who want to maximize their income right out of the gate: The "Advanced Payout" Annuity. Unlike a standard...

Wondering when you should actually pull the trigger and buy an annuity? A massive misconception in the financial world is that you need to wait until you are already retired to buy one. Depending on your goals, waiting could actually cost you a fortune! In this video, Shawn Plummer from The Annuity Expert breaks down the absolute best time to buy an annuity based on the type of contract you need....

If you buy an annuity and just let it sit there collecting interest for decades, what eventually happens to it? Every annuity contract has a built-in "Maturity Date" (usually set far in the future, like when you reach age 85 or 90). When you finally hit that date, the insurance company will require you to make a decision about your money—and you typically only have a 30-day window to do it! In thi...

Are you wondering when you can actually pull cash out of your annuity? Whether you need immediate income or want to defer your payouts for decades, it is critical to understand the IRS tax codes and your contract's specific withdrawal rules so you don't get hit with massive penalties! In this video, Shawn Plummer from The Annuity Expert breaks down the three primary ways to take money out of an an...

If you are worried about inflation eating away at your retirement savings, you are not alone. One of the best ways to maintain your lifestyle and protect your buying power is by securing an annuity with built-in inflation protection—but not all insurance companies offer this powerful feature! In this quick video, Shawn Plummer from The Annuity Expert lists the top insurance carriers that offer inc...

Can you put all of your retirement savings into an annuity? While you can own as many annuity contracts as you want, insurance companies actually have strict financial rules to prevent you from tying up all your cash! In this video, Shawn Plummer from The Annuity Expert breaks down the "Suitability" rules that every insurance carrier uses to approve or deny an application. You will learn about the...

If you are setting up a guaranteed income stream for your retirement, you might be wondering: How often does an annuity actually pay out, and how do you get your money? In this quick video, Shawn Plummer from The Annuity Expert explains your payout frequency options (monthly, quarterly, semi-annually, or annually) and how easy it is to set up a direct deposit right into your bank account. Shawn al...

Are you worried about locking up your hard-earned retirement savings in an annuity? A massive fear for pre-retirees is losing access to their cash in an emergency. The truth is, whether you can touch your money or not depends entirely on the type of annuity you buy! In this quick video, Shawn Plummer from The Annuity Expert breaks down exactly which annuities provide flexible withdrawal options an...

Have you been listening to conservative talk radio and heard a commercial promising a massive 35% or 50% sign-on bonus for your retirement savings? Before you pick up the phone, you need to hear the unfiltered truth about how these contracts actually work. In this video, Shawn Plummer from The Annuity Expert breaks down exactly which annuities are offering these massive numbers (typically the Athe...

Will your retirement income lose its buying power in 10, 20, or 30 years? Cost of living increases are a massive threat to retirees, leading many people to ask: Do annuities keep up with inflation? In this video, Shawn Plummer from The Annuity Expert breaks down the exact payout options available to you, and how to structure your contract so your income actually grows over time. While the "Level P...

Are annuities actually a safe place to park your retirement savings? The honest answer is: it depends entirely on the type of annuity you buy and the company you buy it from! In this video, Shawn Plummer from The Annuity Expert gives you the "inside baseball" truth about annuity safety. You will learn exactly which annuities are designed to protect your principal from market crashes (like Fixed An...

If you own an annuity and you're thinking about moving those funds back into the stock market or into a traditional IRA, you need to make sure you follow the IRS rules so you don't trigger a massive tax bill! In this video, Shawn Plummer from The Annuity Expert answers the question: Can an annuity be rolled over into an IRA? The short answer is yes—but it must be a "like-to-like" transfer (e.g., a...

Are you trying to figure out exactly what you need to transition into a safe, stress-free retirement? It is actually a lot simpler than the financial industry makes it out to be. In this video, Shawn Plummer from The Annuity Expert breaks down the five absolute financial fundamentals of retirement planning. He explains how to perfectly time your Social Security, how to calculate your "monthly nut"...

One of the biggest fears for any retiree is losing their hard-earned savings to a stock market crash. So, the ultimate question is: Can annuities lose money? The short answer is: It depends entirely on the type of annuity you buy! In this video, Shawn Plummer from The Annuity Expert breaks down the clear divide between security-based annuities and insurance-based annuities. Shawn explains why Vari...

What if you could guarantee a steady paycheck for the rest of your life, but still guarantee that your family inherits every single penny of your original investment? In this video, Shawn Plummer from The Annuity Expert breaks down a brand new, highly anticipated annuity rider released by Lincoln Financial in March 2026. Historically, if you took a lifetime income payout, your death benefit would...

If you are researching annuities for your retirement, you have probably realized that it feels like reading alphabet soup! Between SPIAs, MYGAs, FIAs, and RILAs, how are you supposed to know which contract is actually right for your money? In this video, Shawn Plummer from The Annuity Expert delivers a comprehensive masterclass on almost every single type of annuity available on the market today....