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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/retirement-spending-calculator/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement A retirement spending calculator can predict if your savings will support your retirement lifestyle.This video will show you how to use a retirement spending calculator effectively, from inputting your data to understanding the results.Summary- Retirement spending calculators, are essential for estimating savings progress and making necessary adjustments based on inputs such as current age, income, and savings goals.- Accurate input of personal information, including expected income increases and planned retirement age, is crucial for generating reliable projections from retirement calculators.- It’s important to consider additional factors like inflation, taxes, and long-term care when planning for retirement to develop a comprehensive strategy that aligns with individual financial goals.Understanding Retirement Spending CalculatorsRetirement spending calculators are essential tools designed to estimate whether you can meet your financial goals during retirement.They assess your progress in saving for retirement and help make necessary adjustments to stay on track.These calculators use assumptions about savings, Social Security, and lifestyle to project your financial security in retirement.Knowing your current financial situation is crucial, as it determines how much work is needed to reach your savings goals.Although there are no definite answers regarding how much one should save due to individual circumstances, these calculators provide a valuable starting point.Key FeaturesRetirement spending calculators come with several key features that ensure accurate and reliable projections.One of the most important aspects is accurately inputting your current age. This information helps determine how many years you have left to save for retirement, which is crucial for setting realistic goals.For instance, someone earning $50,000 annually should try to save between $5,000 and $7,500 each year to secure a comfortable retirement, following the 10% rule.Accurate data on age, income, and savings assumptions significantly improves retirement projection reliability.Calculators also consider various savings goals and how they fit within defined assumptions like the rate of return and inflation.These projections are based on realistic assumptions, helping you understand your potential savings and whether your current strategy will help you reach your retirement goals.The accuracy of these calculators hinges on precise inputs, so always ensure that your information is up-to-date and reflects your current financial situation.Types of CalculatorsDifferent types of retirement calculators cater to various financial situations by including factors like income changes and expense estimates.For example, annuity calculators can be good for calculating annuity payments. These tools range from simple budget calculators to more complex ones that consider multiple income sources and future expenses.Choosing the right retirement calculator is crucial for effectively planning and achieving your retirement goals.Whether you’re looking to estimate basic expenses or plan for a more comprehensive financial future, there’s a calculator that can help you visualize your financial readiness for retirement.fa
How to Use a Retirement Spending Calculator
Like what you hear in the video? Watch the whole thing here: https://youtu.be/e9wZCmxDp8IHere 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #inherited If you inherited money from an IRA and you are looking for more growth before the government taxes you on all of it, you are in luck! MYGA annuities allow for that...well at least some do.
Inherited Money for a 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/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #inheritediraIf you inherited an IRA and looking for a place to put it, then certain MYGA carriers allow for inherited funds and still allow for RMD withdrawals during the growth period.
Using Inherited Funds to Purchase an 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/fee-based-myga-annuity/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement What is a fee-based MYGA annuity? It's a type of Multi-Year Guaranteed Annuity that charges a flat fee for advisory services rather than commissions.It guarantees a fixed interest rate for a specific period, making it a predictable investment option.This video covers their structure, benefits, potential drawbacks, and comparisons to other financial products.SummaryFee-based MYGAs offer transparency in advisor compensation, aligning the interests of advisors and clients while providing a guaranteed income and preserving principal.Compared to commission-based MYGAs, fee-based options eliminate hidden costs, although they may have initial fees that impact overall yield.It’s worth consulting with an independent annuity expert that can compare all annuity options to see which is best.Investors should carefully consider market value adjustments and early withdrawal penalties associated with MYGAs, as they can significantly influence liquidity and overall investment returns.Understanding Fee-Based Multi-Year Guaranteed Annuities (MYGAs)A Multi-Year Guaranteed Annuity (MYGA) guarantees a fixed interest rate for the contract’s entire duration.This predictable return on investment makes MYGAs popular among those nearing retirement or those averse to market volatility.Fee-based MYGA annuities are designed to offer transparency in advisor compensation, aligning the interests of both advisors and clients, providing a guaranteed income.Typically, MYGAs offer a fixed interest rate lasting from three to ten years, providing stable growth.Interest earned is compounded annually, allowing for tax-deferred growth until withdrawal, making MYGAs attractive for those seeking to grow savings without immediate tax implications.Fee-based MYGAs protect the principal, ensuring the initial investment remains intact. This, coupled with a guaranteed interest rate, makes MYGAs secure for conservative investors.Additionally, fee-based structures help avoid hidden costs with a straightforward pricing model.MYGAs are often likened to certificates of deposit (CDs) due to their similar traits.However, MYGAs generally offer higher interest rates than savings accounts and CDs, due to longer commitment durations and the insurance company’s backing.While CDs are FDIC insured, MYGAs depend on the financial stability of the issuing insurance company. They are also insured by the state guaranty association, adding security for the investor.This comparison helps investors understand the unique benefits of MYGAs within the broader financial product landscape.Fee-Based vs Commission-Based MYGAsFee-based MYGAs offer transparent advisor fees, ensuring clear and straightforward costs.Commission-based MYGAs often involve undisclosed commissions, ranging from half a percent to three percent, potentially impacting overall yield. If you want to know what the commission is, just ask!Investors preferring clarity might find fee-based MYGAs more appealing, as they eliminate uncertainty surrounding advisor compensation.Some offer slightly higher rates than commission based products, but after the advisory fees, the actual yield could be lower.Switching from a commission-based to a fee-based MYGA annuity is feasible for those who prefer the fee structure.The bottom line is that some advisors charge separate fees for selling MYGA annuity contracts, while others receive commissions from insurance companies.
What Is a Fee-Based 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 article is here: https://johnstevenson.com/self-directed-annuities/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement Curious about how self-directed annuities work within an SDIRA? These investments offer control and guaranteed income.In this video, we’ll explain setting up, managing, and maximizing a self-directed annuity within a self-directed IRA.Summary- Self-directed annuities provide greater control over investment choices compared to traditional annuities, allowing for personalized retirement strategies.- Setting up a self-directed annuity within an SDIRA requires careful selection of a knowledgeable custodian and insurance carrier to ensure compliance and facilitate transactions.- Tax-deferred growth is a key benefit of self-directed annuities, as profits grow without immediate tax consequences, significantly enhancing retirement savings potential.What is a Self-Directed Annuity?A self-directed annuity offers more control over investment choices compared to traditional annuities.Instead of relying on fund managers, you select your investment strategies, making your retirement plan truly personal.This level of control can be particularly appealing to those who prefer to tailor their investments to their financial goals with a self directed retirement account.The financial strength of the issuing insurance company is a cornerstone of any annuity’s reliability. This backing ensures the promised income or interest rates, providing a sense of security for your retirement funds.Additionally, state guaranty funds offer an extra layer of protection for fixed annuities, so if the insurer faces financial difficulties, your investments are still safeguarded.Utilizing a self-directed annuity within an SDIRA combines the flexibility of self-directed IRAs with the benefits of annuities.This approach allows for more tailored investment strategies while ensuring income security through the annuity’s guarantees.Setting Up a Self-Directed Annuity in an SDIRASetting up a self-directed annuity within a self-directed IRA involves several crucial steps. The first is to open an account with an experienced self-directed IRA administrator.This administrator will guide you through the process and help ensure compliance with IRS regulations.Once your account is established, the next step is transferring funds to the new account.You need to choose a custodian who is knowledgeable about the investment options and regulatory compliance, as well as their fees and client support.Some custodians are specifically equipped to facilitate the setup of self-directed annuities within an SDIRA.Lastly, you must select a carrier willing to allow an annuity contract within your self-directed IRA.This step may involve transferring funds from insurance companies into an annuity contract with the chosen insurance carrier.Careful selection of the custodian and carrier ensures a smooth setup process for your self-directed annuity.Managing Investments in a Self-Directed IRAManaging investments within a self-directed IRA requires diligence and ongoing responsibility. Unlike traditional IRAs, where fund managers make investment decisions, self-directed IRA holders must actively research and manage their investments.It’s crucial to perform ongoing due diligence to ensure that all investments comply with self directed ira rules and IRS regulations.A self-directed IRA opens up a wide array of investment options, from traditional assets like stocks and bonds to alternative investments such as real estate and rental property private equity.This ability to diversify can enhance your portfolio and potentially stabilize it against market volatility.However, with this flexibility comes the responsibility of understanding your risk tolerance and balancing annuities with riskier investments.Diversification is key. By investing in complementary asset classes, such as real estate, precious metals, and annuities, you can mitigate overall investment risk.While the custodian cannot provide investment advice, they play a vital role in facilitating your transactions and ensuring compliance with regulations.
How Self-Directed Annuities Work Within an SDIRA
Like what you hear in the video? Watch the whole thing here: https://youtu.be/lf5sEz3lL-UHere 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirementplanning Let's talk about how fancy indexes rarely outperform the S&P 500 index in indexed annuities.
Fancy FIA indexes... vs S&P 500
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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement Don't buy an indexed annuity with a fancy index that's offering high returns unless...it has real historic returns...not bcktested...otherwise stick with a tried and true index such as the S&P 500 index.
HIGH Indexed Growth Annuity - compared to S&P
Like what you hear in the video? Watch the whole thing here: https://youtu.be/ztr_u0tQfPEHere 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement #wholelife If you are wondering how much money you can get in guaranteed lifetime income - from a whole life policy. You can do it by converting to an annuity. This video talks about that.
Whole Life Converted to 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement #wholelife Wondering if you can roll your whole life policy to an annuity? In this video I go over a client who wants to do just that!
$187k Whole life to $20k/year 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/equity-indexed-annuities/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement Equity indexed annuities are a popular investment product that combines fixed and variable returns.This video explains how EIAs work, their benefits, and potential risks.Summary- Equity indexed annuities (EIAs) provide a combination of guaranteed returns and potential growth linked to equity indices, appealing to risk-averse investors seeking stability and moderate gains.- Key features of EIAs include participation rates, yield caps, and call options, all of which affect the potential returns and risks associated with these investment products.- While EIAs offer benefits such as tax-deferred growth and principal protection, they also have downsides, including limited growth potential due to participation rates and rate caps.Understanding Equity Indexed AnnuitiesEquity indexed annuities are hybrid investment products that combine the best of both worlds—fixed indexed annuity and variable annuities.These annuities are typically linked to a specified equity index, such as the S&P 500, offering a minimum guaranteed return alongside the potential for higher, variable returns based on the performance of the index.EIAs offer moderate exposure to equity markets and protect against direct market losses, making them appealing to risk-averse investors.One of the most appealing aspects of equity indexed annuities is their ability to offer higher returns than traditional fixed annuities while maintaining a level of downside protection that is absent in variable annuities.This makes them an ideal choice for moderately conservative investors seeking a safe yet potentially lucrative way to grow their retirement savings.Many indexed annuities link the interest rates to the performance of a specific market index, providing potential gains while significantly reducing downside risk.However, it’s important to note that equity indexed annuities can be quite complex, especially for less experienced investors.Grasping the workings of these annuities, including participation rates, yield caps, and call options, is crucial for potential investors.This guide will clarify these components to show how equity indexed annuities work and function and their potential benefits for your financial future.Key Features of Equity Indexed AnnuitiesEquity indexed annuities come with a variety of features that distinguish them from other types of annuities.A crucial feature is the participation rate, which decides how much of the equities index’s gains are credited to the annuity owner.Additionally, these annuities often include yield or rate caps, which limit the maximum interest that can be credited, regardless of how well the index performs.Another key feature is the use of call options by the insurance company. These options allow the company to secure the right to purchase equities at a predetermined price, enabling the annuity to participate in market growth without exposing the investor to full market risks.Evaluating these features helps in assessing the potential returns and risks of equity indexed annuities.Participation RatesParticipation rates are fundamental to equity indexed annuities. These rates determine the percentage of the index’s gains that are credited to the annuity.Typically, participation rates can range from 80% to 100%, meaning the annuity owner will receive a portion, but not necessarily all, of the index’s gains.This allows investors to benefit from market upswings while cushioning against downturns.Moreover, the annual reset formula is commonly used to calculate interest based on the equity index. This method focuses on gains during a specific period and disregards declines, ensuring only positive performance is credited to the annuity.This approach helps in smoothing out the impact of market volatility on the annuity’s returns.
Equity Indexed Annuities Explained
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/independent-annuity-broker/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement Exploring the benefits of working with an independent annuity broker? They offer access to diverse annuity products, unbiased advice, and tailored retirement planning.This video breaks down these advantages to help you make better financial decisions for your future.Summary- Independent annuity brokers provide access to a diverse range of products from multiple insurers, allowing clients to choose options that suit their individual financial goals.- These brokers offer expert guidance tailored to the client’s unique situation, ensuring personalized advice and strategies for retirement planning.- Working with independent brokers ensures a pressure-free environment with transparent recommendations, enabling clients to make informed decisions without high-pressure sales tactics.1. Access to a Wide Range of Annuity ProductsA key benefit of working with an independent annuity broker is access to a wide array of annuity products.Unlike captive agents who are bound to a single insurance company, independent brokers can source and evaluate numerous products from top-rated insurers.This freedom means you aren’t limited to the offerings of just one company; instead, you have the flexibility to choose the annuity that best fits your financial goals.This versatility is important because financial planning is unique for each individual. An independent broker offers a variety of annuity products from multiple insurance companies, ensuring competitive rates and a product that aligns with your needs.This broad access allows for a customized approach to retirement planning, enhancing your financial security and peace of mind.Types of Annuities AvailableIndependent brokers provide a comprehensive look into the world of annuities, including specialized types like Single Premium Immediate Annuities (SPIAs) and Deferred Income Annuities (DIAs).These products are crucial for providing guaranteed income during retirement, making them valuable tools in your financial planning arsenal.Choosing the right type of annuity secures financial stability tailored to your individual goals. Independent insurance brokers provide access to various annuity products, helping you find the perfect fit for your retirement needs.This personalized approach to selecting insurance products can make a significant difference in your long-term financial well-being.Broad Market ComparisonUnderstanding and comparing different annuity products can be daunting. Independent brokers excel at this task by comparing products from multiple top-rated insurance industry companies.This broad market comparison allows clients to receive multiple quotes quickly, streamlining the process of finding the best option.Comparing across various companies provides a more competitive and comprehensive market view.Instead of being limited to one insurance company’s products, you gain insights into many insurance companies’ offerings, ensuring an informed choice that aligns with your financial goals.Additionally, it’s important to understand how insurance companies pay for claims, as this can affect your overall experience.
3 Benefits of Working With an Independent Annuity Broker
Like what you hear in the video? Watch the whole thing here: https://youtu.be/CuP0GXjL5RYHere 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #bestannuityThere are annuities right now that have huge payouts, if you set them up correctly. I hope you enjoy watching!
$19,894 Joint Income...from only $140k
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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #jointincomeCan you really get $20k/year from only $140k? Yes! In this video I talk about how it works.
$140k Annuity for $19,894 Joint Income
Like what you hear in the video? Watch the whole thing here: https://youtu.be/0mwpRX0bzRIHere 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirementIn this video I go over all of the ins and outs of Index locks and rate locks for indexed annuity contracts.
Index Annuity Rate Lock vs Index Lock - What is It??
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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #fia In this video I go over all the ins and outs of rate locks and Index locks for FIA contracts. Very important when selecting an annuity for growth!!
What is a FIA Rate Lock vs Index Lock?
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-riders/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirement Annuity riders offer additional features to personalize annuity contracts, providing tailored financial benefits that align with individual needs.By understanding the purpose of annuity riders and how they differ, you can make informed decisions that enhance your financial security.In this video, we will explore the primary functions of various annuity riders and the unique advantages they offer.Summary- Annuity riders are customizable features that enhance annuity contracts, offering additional security and benefits tailored to individual financial goals.- There are two primary types of annuity riders: living benefits, which support the policyholder during their lifetime, and death benefits, which provide financial security to beneficiaries after the policyholder’s death.- When selecting annuity riders, it is crucial to assess their costs and benefits, along with personal financial needs, to ensure that the advantages justify any additional expenses.Understanding the Purpose of Annuity RidersAnnuity riders are additional features that can be added to annuity contracts to customize them to fit individual financial goals and needs.Think of them as the optional extras you might choose when buying a car – each one adds a layer of protection or benefit tailored to your unique situation.These riders provide additional certainty and security, modifying the contract to address specific risks and offer peace of mind.Whether you’re looking for guaranteed income, protection for your beneficiaries, or coverage for long-term care, there’s likely an annuity rider that fits your needs.While adding annuity riders can lead to additional costs, they can offer significant benefits that may justify the expenses. For instance, a death benefit rider guarantees payouts to beneficiaries, ensuring financial support even after the policyholder’s death.This customization transforms a standard annuity into a powerful tool for financial planning.In essence, annuity riders allow for a high degree of personalization in annuity contracts.They provide various forms of financial security against potential risks, ensuring that the annuity contract aligns with the annuity owner’s specific financial goals.This flexibility is particularly valuable for individuals seeking to tailor their retirement income solutions, offering an array of options to meet diverse needs.Enhancing Guaranteed Income with Annuity RidersAnnuity riders are designed to enhance the benefits of an annuity contract, particularly when it comes to ensuring guaranteed income. This is especially important for those planning their retirement, as income riders in deferred annuities guarantee lifetime income, which can begin as early as age 60.Imagine knowing that your income will continue even if your account value drops to zero – this is the kind of security that income riders can provide.Income riders not only offer guaranteed payouts, but they also provide flexibility in withdrawals, allowing for both guaranteed income and lump sum access.This flexibility is crucial for managing financial needs during retirement, where unexpected expenses can arise.Fixed indexed annuities with income riders typically offer the highest guaranteed income based on current rates, making them a popular choice for those seeking to maximize their retirement income.Incorporating income riders into your annuity contract protects against market downturns and ensures a stable income stream through monthly annuity payments. This is particularly beneficial in volatile markets, where traditional retirement accounts may suffer.Ultimately, income riders can provide guaranteed payouts that exceed typical withdrawal amounts from retirement accounts, offering a robust solution for those looking to maximize their retirement income.
What is the Purpose of Annuity Riders, and How do They Differ?
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/charitable-gift-annuity/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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #retirementplanning A charitable gift annuity is a financial arrangement where you donate to a charity and receive fixed lifetime payments in return.In this video, we will explain what a charitable gift annuity is and how this arrangement benefits both you and the charity, covering key aspects like tax benefits and contribution requirements.What Is a Charitable Gift Annuity?A charitable gift annuity is a powerful way to support your favorite charity while securing your financial future.It is an agreement in which you, the donor, make a significant contribution to a charity, and in return, you receive fixed payments for life.Think of it as a win-win: you get to make a significant gift to what you care about while ensuring a steady income stream during your lifetime.One of the most appealing aspects of charitable gift annuities is the dual benefits they offer.Not only do you receive a fixed stream of income for life, but the charity also benefits from the remainder of the gift after your lifetime.This means that while you enjoy the financial benefits, the charity can continue to support its mission long after you are gone.Furthermore, charitable gift annuities come with potential tax benefits. Depending on your contribution, you may qualify for a partial tax deduction. The charity typically invests the donated funds, and your regular payments are based on your age at the time of the gift.With minimum contributions starting as low as $5,000, though often higher, it’s accessible to a wide range of donors who offer charitable gift annuities.How Do Charitable Gift Annuities Work?Establishing a charitable gift annuity is a straightforward process that begins with a significant donation to a nonprofit organization.This donation forms a lifelong contract between the nonprofit and the donor, guaranteeing fixed lifetime payments in return for the contribution.The minimum contribution usually starts around $5,000 to $10,000, making it a considerable but manageable investment for many donors, especially when considering charitable gift annuity rates.The amount of the annuity payments you receive is influenced by factors such as your age and the size of your donation. Generally, older donors receive higher payment rates due to their shorter life expectancy.These payments continue for your lifetime, providing a reliable source of income that does not fluctuate with market conditions or inflation.Upon your passing, the charity receives the remaining funds from the annuity, which supports their ongoing mission.This arrangement ensures that your contribution has a lasting impact, benefiting the charity long after you’ve enjoyed the financial security provided by the annuity payments.Eligibility Requirements for Contributions from IRAsIf you’re considering using funds from your Individual Retirement Account (IRA) to establish a charitable gift annuity, there are specific eligibility requirements to keep in mind.Donors must be at least 70½ years old to execute a Qualified Charitable Distribution (QCD) from their IRA.This age requirement aligns with the rules for Required Minimum Distributions (RMDs), making it a strategic option for older donors.Additionally, the total contributions made through QCDs for charitable gift annuities cannot exceed $53,000 within a single tax year.The donation must be made directly from the IRA custodian to the charity to qualify for a QCD, ensuring appropriate use of the funds.It’s also important to note that QCD distributions are counted toward your RMD, potentially reducing your taxable income.
What is a Charitable Gift Annuity?
Like what you hear in the video? Watch the whole thing here: https://youtu.be/M976IOqJgkEHere 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/guaranteedretirementguyTwitter: https://twitter.com/theguaranteeguyTiktok: https://www.tiktok.com/@guaranteedguy#annuity #guaranteedincome #multipleannuitiesWhat would it be like to have 2 annuities and why would you want to use that strategy?
2 Annuity Contracts Instead of One?
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