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Spend time with John while he educates you on his show: THE GUARANTEED RETIREMENT GUY

Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/annuity-better-than-60-40-portfolio/CONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement If you’re close to retirement—or already retired—you’ve probably been told to move into a 60-40 portfolio.That usually means 60% stocks, 40% bonds, with the idea that you still get growth while reducing risk.But here’s the real question many retirees are now asking:Is an annuity a better alternative to a 60-40 portfolio in retirement?Let’s break this down clearly, without hype or sales talk.Why Retirees End Up in a 60-40 PortfolioAs we age, priorities change.Most retirees want:- Less market risk- Fewer sleepless nights- More predictable outcomesA 60-40 portfolio can help soften the blow of market crashes.- If the market drops 20%, maybe your portfolio drops 5–10%.- But when the market rises 30%, you might only see 15–18%.That’s the trade-off.Historically, many 60-40 portfolios average around 7–9%, with ~8% often used as a reasonable long-term estimate.That’s solid… but it still comes with market risk and emotional stress.
Is an Annuity Better Than a 60/40 Portfolio for Retirement?
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/mygasbetter-than-cds/CONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement If you have CDs maturing right now, you’ve probably noticed something frustrating.The renewal rates aren’t what they used to be—and in many cases, they’re dropping fast.That’s why more retirees and pre-retirees are asking a smarter question:Are MYGAs (Multi-Year Guaranteed Annuities) a better option than CDs right now?Let’s walk through it—plain English, no hype—and I’ll show you why MYGAs are getting so much attention.Why CD Renewals Are Disappointing Right NowCDs work well when rates are rising.But when rates start falling, renewals can quietly hurt your long-term plan.Here’s the issue most people run into:- You lock money up- Rates reset lower at maturity- Your income or growth drops—even though inflation hasn’tThat’s when many retirees start looking for alternatives that still feel safe and predictable.
Are MYGAs Better Than CDs Right Now?
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallCONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement In this video I share how one of my clients was able to create a lot of lifetime income from two annuities with F&G and Midland National.
$96,000 Annual Income from $750k Annuity
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallCONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement In this video I share how one of my clients used 5 SPIAs to retire early without IRS penalty, and then 2 income riders for more income a few years later.
$127k Annual income From 5 SPIAs and 2 Income Riders??
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/annuity-prevent-running-out-money/CONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement One of the biggest fears retirees have is simple—and very real:“What if I run out of money?”If you’re close to retirement (or already retired), you may be thinking about getting out of the stock market.You want protection. You still want growth. And you definitely don’t want to go back to work.That’s exactly where annuities come into the conversation.Let’s break this down in plain English.The Real Retirement Problem Most People MissMost retirees rely on investment accounts to create income.That usually means following a “safe withdrawal rate” like 4%.- $1,000,000 × 4% = $40,000 per year- Sounds reasonable… until the market dropsIf the market falls 20–30% early in retirement, many retirees are forced to cut income just to survive.That’s called sequence of returns risk, and it’s one of the biggest threats to retirement plans.💡 Pro Tip: The market isn’t designed to pay you a paycheck for life. It’s designed for growth—not income certainty.
Can an Annuity Prevent Me From Running Out of Money in Retirement?
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/hidden-fees-annuity-retirement-income/CONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement When people start learning about annuities, one of the first concerns they bring up is fees.“John, are these fees going to destroy my retirement income?”It’s a fair question. And the honest answer is:Yes—fees can hurt you.But in the right situation, they can also help you dramatically.It all depends on what you’re trying to accomplish.Let’s walk through how annuity fees really work, when they’re harmful, and when they actually increase your lifetime income.When High Fees Become a ProblemRecently, I spoke with a gentleman who owned a variable annuity.He was paying around 3.5% to 4% per year in fees.That’s significant.On paper, he had a large balance—about $1.7 million.But after all those fees, his guaranteed lifetime income was only about $88,000 per year.He knew something wasn’t right.Those fees were quietly eating away at his growth and limiting his income potential.This is where fees can become dangerous:When you’re paying a lot… and getting very little in return.
Could Hidden Fees in My Annuity Destroy My Retirement Income?
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallCONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement In this video I talk about one of my wealthy clients who wants to provide lifetime income for his wife and also an annuity for his son.
Best Annuity for Spouse and Generational Income for Adult Children
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallCONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement If you just want to preserve your principal and are happy with a lower payout, then a MYGSA contract might be the best option. In this video I go over just how that could look.
$4875 per Month Income from MYGA Annuity?
Like what you hear in the video? Here are some ways I can help:1. Watch my free training on how to protect & grow your wealth in retirement: https://info.theannuityassociates.com/start2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/when-an-annuity-makes-sense-and-when-it-doesnt/CONNECT WITH JOHN:Call John The Guaranteed Retirement Guy: 702-819-0895Website: https://johnstevenson.comEmail: john@johnstevenson.comFacebook: https://www.facebook.com/guaranteedretirementguyInstagram: https://www.instagram.com/guaranteedretirementguyX: https://x.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement If you’re researching annuities, you’re probably asking a simple but important question:“Does an annuity actually make sense for my situation?”Sometimes the answer is yes.Other times, it’s no — at least not right now.In this video, we’ll break down when annuities make sense, when they don’t, and how to think about them the right way.Why Annuities Are So Confusing for RetireesAnnuities are often pitched as either:- “The best thing ever”- Or “the worst financial product on Earth”The truth?They’re tools — and tools only work when used correctly.An annuity can be powerful for guarantees and income, but it’s not designed to solve every retirement problem.
When an Annuity Makes Sense and When it doesn't
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