Group annuity contracts offer a way for employers to ensure steady retirement income for employees. These contracts grow contributions over time and convert them into
Yes, annuities really can provide you the lifestyle you’ve always dreamed of.
Before you decide to sell annuity payments, it’s vital to consider these 7 things before you decide to sell annuity payments. This guide helps you
Investors often face a choice between annuities and mutual funds, particularly in retirement planning. This article explores annuity vs mutual fund key differences and similarities,
Don;t let an advisor “churn” your account by selling you an annuity to replace an old one that may be just as good.
When choosing an annuity, understanding participation rates and cap rates is crucial. Participation rates determine the percentage of index gains credited to your annuity, while
Retirement planning isn’t the same everywhere in the U.S. due to varying state laws and regulations. These differences impact the types of plans you can
Don’t let an advisor sell you the wrong annuity! In this episode, I talk about the kinds you should focus on.
How does an indexed annuity differ from a fixed annuity? The key difference is how they generate returns: indexed annuities offer growth linked to market
Considering a joint and survivor annuity for you and your partner? It’s vital to understand the crucial considerations for buying a joint and survivor annuity
If President Trump is reelected, will he repeal Social Security taxes, and if so, should you wait to take your benefit?
Are annuities FDIC insured? No, they are not. Annuities, unlike checking or savings accounts, are not covered by the Federal Deposit Insurance Corporation (FDIC). This
When comparing an annuity due and an ordinary annuity, the key difference is payment timing: an ordinary annuity pays at the end of each period,
Annuities are influenced by the fed-rates, and any cuts there WILL have an impact on annuity payouts.
This article gives you a clear look at different annuities, including the annuity risks associated with each. We’ll break down immediate, deferred, fixed, and indexed
Facing the tax complexities of an inherited non-qualified annuity? This beneficiary tax guide managing an inherited non-qualified annuity will clarify the key tax considerations. In
Income Riders or MYGA…which is right for you?
Annuities provide income security but are also prone to scams. This article explains common types of annuity scams to look out for, such as misleading
Choosing the right annuity beneficiary is crucial for ensuring your financial legacy supports your loved ones as intended. This article outlines 5 things to consider
SPIAs or income riders? Which one should you get? In this episode I talk and compare both options.
Are you searching for the safest annuity company? There are a lot of safe annuity providers to choose from. In this article, we’ll consider which
An annuity is a good idea if you want a guaranteed income stream in retirement or guaranteed rates of return as part of your portfolio.
Par rates and cap rates can change over time and you need to know how and why.
A flexible annuity allows incremental contributions to your retirement savings rather than a one-time payment. This means you can add funds as your financial situation
In this article, we will answer the question “what are your individual retirement annuity contribution limits?”, explore related tax benefits, and make comparisons with other
In this episode, I talk about your motivations and how you make decision regarding your retirement income.
Are you seeking ways to boost your retirement income by swapping your current annuity for a higher paying one? In this guide on how to
Ever wondered how much does a $500k MYGA annuity pay per month? A $500,000 MYGA annuity, at current rates of 5% to 5.9%, can provide
What happens when you lose your Social Security benefit? I’m talking about when your spouse dies and you need a way to bridge the gap
Are you looking to get $100k per year in retirement income for life? This guide will help you evaluate your income needs, consider inflation, and
Annuities are given favorable tax treatment because the investment grows tax-deferred until you withdraw funds. In this article, we will delve into how annuities are
I co-founded annuity.com for agent benefits as well as benefits to retirees nationwide. Listen in for more details.
Gifting an annuity involves specific rules to avoid tax pitfalls and legal complications. This article covers the essential regulations, types of annuities eligible for gifting,
If you are dealing with complex annuity contracts, you might be wondering, ‘Do I need an annuity lawyer?’ An annuity lawyer can help you navigate
I want to show you how you can create over 14 million in guaranteed income from only $5 million in an annuity. you will love
So a lot of people want long-term care coverage and for good reason. Right now statistics show that 7 out of 10 seniors will need
What is the full truth about annuity loans? Are they a good option for you in retirement? This article dives into the crucial aspects you
$1 million sounds like a lot, but will it be enough for your retirement in the years to come? I go over it more in
What is an annuity buyout? It’s a financial move where you exchange the promise of future payments from an annuity for a lump sum today.
The standard annuity is the annuity that gives the highest amount of income for your lifetime. And if you pass away before the money is
In this episode I talk about the likelihood of your FIA earning outrageous returns. See more in this post I made earlier: https://johnstevenson.com/annuity-returns/
Choosing between an Indexed Universal Life (IUL) insurance, also known as indexed universal life insurance, and an annuity can be time-consuming, and even difficult to
Inflation can erode the value of your retirement savings over time. This raises a critical question: Inflation protected annuities, do they exist? Yes, they do.
In this episode I go over the safest ways to grow your wealth in retirement. Check out my blog post here to learn more: https://johnstevenson.com/growing-your-retirement-wealth/
Are you curious about how a cash refund annuity works? Simply put, this type of annuity converts a lump sum into regular payments for the
Can you roll an annuity into an IRA? Yes, in several cases, you can. The process depends on the type of annuity and the specific
What is the biggest mistake retirees make? Listen on to learn more! Check out this article that will help you learn more about what mistakes
Are you concerned about a stock market crash eroding your hard-earned wealth? This article explains the best ways to protect your wealth from a stock
In 2024, effective retirement planning is crucial for financial peace of mind. This guide focuses on the best retirement strategies in 2024, from making savvy
Many annuity advisors sell annuities that are not the best for their clients for a variety of reasons. John talks about what to look out
Is $1 million enough to retire right now? Inflation, healthcare, and lifestyle choices directly impact this vital question. In this article, we’ll analyze whether $1
Are you wondering how much money you should invest in an index annuity? The answer depends primarily on how much income you need (or would
What fees are you paying? Thinking about an annuity but heard the huge fees they are charging? Well in this episode, John breaks it all
If you are planning to retire in 2024, knowing how much you really need to retire is essential to achieving a satisfying retirement. This comprehensive
Is your financial advisor showing you a scenario where the annuity returns look too good to be true? Are annuity returns too good to be
403b plans are famous for their annuity plans, but can you find something better for your 403b account? Lets find out from John in this
In retirement, safely growing your wealth is key. This article unpacks the safest ways to grow your wealth in retirement, spotlighting dependable investments like bonds,
You’ve worked hard, and retirement is on the horizon, but one mistake could undo it all. In this article, we’ll consider what many financial professionals
In this episode I interview Chris Simmons who is a writer for Annuity.org and we talk about retirement income planning using annuities as well as
As you approach retirement, the question of how to keep your savings intact from taxes looms large. If you’re searching for the best ways to
What are the best retirement income strategies to ensure financial comfort and security once you retire? This article guides you through top options such as
How much do you need to retire? Well according to the Wall Street Journal…it’s $1.46 Million. Lets talk about that.
Looking for a smart way to save on taxes while preparing for retirement? A Tax Sheltered Annuity might be the tool you need. Ideal for
Are you looking for a good company to buy an annuity? If so, you’re in the right place. We’ve analyzed the top annuity providers and
Don’t wait for the stock market, when you get everything you need right now… from an annuity
Are Venerable annuities the right choice for your retirement? Our in-depth venerable annuity review scrutinizes their financial strength, customer service quality, and investment strategies to
If you’re eyeing annuities for your retirement, it’s pivotal to understand the fees involved. In this guide, we’re unveiling the truth about annuity fees that
Getting tired of managing your real estate portfolio? Why would you ever wan t to sell it for an annuity? In this episode I talk
Facing the task of withdrawing from your IRA annuity? The rules and options surrounding this process are crucial for avoiding unnecessary taxes and penalties. This
Securing the best annuity rates in 2024 is the key to a prosperous retirement. With this expert guide on how to secure the best annuity
Annuity rates are at an all time high! Listen to my podcast where I share all of the top rates now.
Looking to convert your 401K to an annuity? This article details each step and key considerations for converting a 401k to an annuity, ensuring you
What are secondary market annuities, and how can they fit into your retirement plan? This beginners guide to secondary market annuities cuts straight to the
In this episode, I interview Jenn Schell with Annuity.org to get her insights on the long term care needs women have today and how to
Thinking about making a 1035 exchange for annuities? To make a choice that’s both sound and tax-smart, familiarize yourself with what you need to know
Are you wondering what an annuity fund is? It’s a financial agreement in which you invest money now to ensure a regular income later, particularly
Today’s show focuses on how Annuity.com will be shaking up the annuity industry …for the good of the agents as well as the consumers.
If you’re investing in an annuity, you need to know how to harness the potential of its accumulation period. This phase is your opportunity to
Age is a crucial factor in planning for retirement with annuities, and you might be wondering: “can you buy an annuity at any age?” or
John discusses the best annuities right now for income and also the best ones for growth. Some companies are better for one and not the
Are you exploring ways to get an immediate and consistent lifetime income for retirement? If so, Immediate annuities may be the solution you’re looking for!
Wondering how to make the most of annuity withdrawals after age 59½? You’re in the right place. This article strips away the guesswork and provides
Right now, the annuity industry is experiencing the biggest influx of fixed annuity sales it has ever seen. Variable annuities used to be the thing,
Deciding on an annuity for retirement can be daunting, particularly when seeking options that offer a cash value. This feature essentially acts as a financial
Are you considering an early withdrawal from your annuity and worried about the penalties? The annuity early withdrawal penalty can take a hefty toll on
On today’s show, John talks about SPIA and DIA annuities and how the cash refund and period certain options work.
Should you take your annuity in a lump sum or opt for periodic payments? This is a question many face when planning for retirement. In
When it comes to securing a stable financial future, understanding how your income streams are classified can have significant implications. If you’re wondering, “is an
In this episode, John talks about the current economy and how it is affecting annuities right now.
What role do annuity death benefits play in financial planning? They’re a strategic choice for ensuring your beneficiaries are financially secure and that your assets
Achieving significant investment growth requires smart strategies that utilize tax-deferred accounts to your advantage. In laying out how to maximize tax deferred growth with smart
Are you an avid follower of Ramsey? Think annuities are bad? What is the real motive here?
Need to know how to calculate and pay income tax on annuity payments? This article breaks down the process. From understanding the unique tax considerations
Calculating the exclusion ratio for your annuity shouldn’t be a daunting task. In essence, you’re looking to find out how much of your annuity payment
Curious about the kind of money annuity advisors make? Let me share full transparency and what you can expect that an advsior will earn based
If you’re seeking the safest annuities for retirement, understanding which products offer the most protection is crucial. This article cuts through the complexity to identify
When planning for retirement, you’re faced with a myriad of investment choices, and understanding the nuances of each option is crucial. Index annuities and fixed
If you are SERIOUS aBout your retirement future, than you should be SERIOUS about what you invest.
Are you looking for the best income annuities for guaranteed retirement income? If so, here are the best income annuities for immediate income, income in
The whole goal of retirement planning is to ensure a stable financial future, but how can annuity income riders contribute to this goal? As supplemental
John Stevenson, a prominent wealth protection educator, has been able to help many people successfully strategize for retirement. He is an invited author in many publications, and will soon be a best selling author.
John Stevenson, a prominent wealth protection educator, and host of the Guaranteed Retirement Show, helps of people successfully strategize for retirement.
