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/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 The world of indexed annuities can be both rewarding and complex, offering a unique blend of growth potential and guaranteed income. Understanding the intricacies of indexed annuities is essential for making well-informed decisions that align with your long-term financial goals.In this video, we will walk you through the key topics, including caps, spreads, fees, and investment strategies, providing you with the knowledge needed to navigate the world of indexed annuities with confidence.Summary- Understanding the features of indexed annuities and market index performance is essential for maximizing growth potential.- Evaluating cap rates, spread fees, income riders and administrative/management fees can help identify an optimal annuity investment option.- Annuity selection should be tailored to desired outcomes such as growth or income. Athene & Midland National offer hybrid solutions combining both elements.Identifying High-Performance Indexes for Indexed AnnuitiesChoosing the appropriate index annuity involves assessing the performance of the underlying market index.High-performing indexes can significantly impact the growth potential of your indexed annuity investment. It’s essential to understand the features of different indexed annuity contracts to make an informed decision.The succeeding paragraphs will examine how market index performance affects annuity growth and the value of recognizing successful indexes with solid track records.The Role of Market Index Performance in Annuity GrowthMarket index performance directly influences the growth potential of indexed annuities. By selecting a market index-linked annuity with a strong index, you can capitalize on market gains while minimizing risks associated with market fluctuations.Careful evaluation of different indexes to find one that matches your financial goals and risk tolerance is necessary.Prominent indexes such as the S&P 500, Nasdaq 100, and Russell 2000 are commonly linked to many indexed annuities, including equity-indexed annuities, offering a range of investment options for varying market segments.Assessing the historical performance of these indexes can help you make a well-informed decision when selecting an annuity with the potential for reliable returns.Historical Winners: Indexes with Proven Track RecordsA strong historical performance is vital when selecting an index for your annuity investment. Indexes with proven track records can increase the likelihood of a reliable return, providing long-term financial security and peace of mind.Choosing an annuity with a high-performing index has the potential to optimize your investment and help you meet your financial goals.Evaluating the performance history of various indexes and pinpointing those with consistent, strong results is important. Additionally, consider factors such as cap rates and spreads, as these can impact your annuity’s growth potential.By carefully evaluating these elements, you can select an annuity that offers the best combination of growth and income for your unique financial needsUnderstanding Cap Rates: Maximizing Growth Within LimitsCap rates in indexed annuities establish the upper limit on the amount your annuity can increase in value within a designated time period. Some key points to understand and evaluate cap rates are:A higher cap rate may suggest a more speculative investment with potentially higher returns.A lower cap rate may imply a more secure but possibly lower return opportunity.Evaluating cap rates allows for informed decisions and optimizing your potential annuity growth.Selecting an annuity with a high cap rate allows you to benefit from market gains while minimizing the impact of market downturns. It’s essential to carefully review the cap rates of various annuities, as this can significantly influence your investment’s growth potential and overall success.
The BEST High Growth Index Annuities
Like what you hear in the video? Watch the whole video here: https://youtu.be/XnCJHw7UFK8Here 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 #baberuth Looking for complete protection against market crashes but still have growth when times are good? Maybe a fixed index annuity with guaranteed income is the answer. Babe Ruth started buying his annuities in 1923 and when the 1929 stock market crash happened, he was prepared...
Annuities Protect! Follow Babe Ruth's Advice
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 #retirementplanning #retirementImagine a financially secure retirement, where you can focus on enjoying life without worrying about your income.This dream can become a reality by incorporating annuities into your retirement income plan.Annuities offer a reliable source of income, similar to pensions and Social Security. They can be tailored to individual needs, ensuring that you have a steady and dependable cash flow throughout your golden years.In this video, we'll help you assess your retirement income plan using annuities, so you can achieve the financial stability you desire during your retirement.Summary- Annuities can provide guaranteed income security and tax-deferred investment options to ensure financial stability in retirement.- Various strategies, such as annuitizing funds or utilizing a non-qualified stretch option, can help reduce the tax burden on annuity income.- Working with a financial advisor is essential for creating an effective tailored retirement plan that maximizes the potential of annuities.Unlocking Steady Income Streams with AnnuitiesAnnuities, issued by insurance companies, offer a consistent income over a set period or for the contract holder’s lifetime. With the decrease of private-sector pension plans, annuities have grown in popularity as a key retirement planning tool. Investing in annuities can provide:Guaranteed income security and assuranceA tax-deferred investment option for those who have exhausted other retirement plan optionsDeferred income annuities are a popular choice for those looking to secure a future income stream.This makes annuity payments a valuable addition to your retirement portfolio, especially when considering deferred annuities and variable annuity options.Annuities are available in various types, such as:Immediate fixed annuities: require a single, upfront premium and payments typically commence within less than a year.Immediate variable annuities: also require a single, upfront premium, but the payments are based on the performance of underlying investments.Deferred fixed annuities: provide the opportunity to accumulate funds over a period of time, with payouts beginning at a later date.Deferred variable annuities: also allow for accumulation of funds over time, but the payments are based on the performance of underlying investments.Comprehending the various types of annuities and their benefits is key to securing a consistent retirement income.Choosing the Right Annuity for Lifetime IncomeRetirement annuities come in three main varieties:Fixed annuities: provide a guaranteed income stream for life.Variable annuities: offer the potential for higher returns based on market performance.Indexed annuities: grow with stock and bond market gains.Each type of retirement annuity has different features to consider. Each type offers different payout options and benefits, allowing you to choose the one that best aligns with your financial goals and risk tolerance.Selecting the appropriate annuity type is a critical step towards securing a lifelong income stream. In addition to considering your risk tolerance and financial objectives, it’s important to take into account the various payout options and features offered by different annuities.Annuity contracts provide a range of survivor options, such as designating beneficiaries and offering joint and survivor options, which can help protect your loved ones in the event of your passing.
How Annuities Help With Retirement Income Planning
Like what you hear in the video? Watch the whole video here: https://youtu.be/XnCJHw7UFK8Here 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 #1929crashHow do annuities protect you against a market crash? Did you know that Babe Ruth was taking income of $381k/year (today's dollars) from his annuities after the crash?
Annuities During the 1929 Crash - $381k/year in Income!
Like what you hear in the video? Watch the whole video here: https://youtu.be/XnCJHw7UFK8Here 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 #baberuth Why did Babe Ruth put money into annuities when he was already making so much? What was he preparing for? Could an annuity help you prepare for the worst and provide a comfortable retirement as well?
Why Did Babe Ruth Buy Annuities?
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 #baberuth Babe Ruth was one of the many celebrities and wealthy who relied on the power and safety of annuities. Annuities provide safety when market conditions are bad, and growth when times are good. If you are hoping to have a stress free retirement like Babe Ruth did, then you'll love this video!
Babe Ruth and Annuities
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 #taxdeferral Even with non-qualified annuities you can have tax-deferred growth
Tax Deferred Growth From MYGA
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 Do you know how your annuity expert gets paid?It’s not always as simple as a flat fee for their services. Annuity commission is an essential aspect of the retirement planning landscape, and understanding them can make a significant difference in your financial future.In this video, we’ll explore how annuity agents are compensated and how it impacts you.Annuity commissions, which typically range from 5% to 8%, are what the insurance company pays to agents as compensation for selling annuity products.These rates are influenced by factors such as the type of annuity being sold.Therefore, while considering various annuity products, it’s important to evaluate both commission rates and fees for better decision-making.How Are Commissions Calculated?The commission for an annuity is calculated as a percentage of the deposit amount, with the rate depending on factors such as the type of annuity, like fixed indexed annuities.Keep in mind that the commission can significantly fluctuate based on the annuity product, with indexed annuities commission rates lying between 5% and 8%.When it comes to annuity commissions:Higher rates are typically earned for clients aged 50 to 69.The complexity of the annuity product also plays a role, as more intricate annuities generally carry higher commission rates.A 10-year fixed index annuity usually has a commission rate ranging from 6 - 8%. This rate may vary for different annuities.Comparing Annuity Commissions and Other Investment FeesAnnuity commissions differ from other investment fees, such as management fees. Management fees are calculated as a percentage of the assets under management and are paid by the investor. For mutual funds, expense ratios generally range between 0.25% and 1% of the investment annually.Annuity commissions, being predetermined, don’t directly affect investment performance, unlike management fees charged by advisors that can shrink returns.Hence, comparing both annuity commissions and other investment charges is a valuable step in making sound decisions about your retirement plan.Impact on Investment ReturnsManagement fees can reduce investment returns, with typical fees for annuities ranging from 0.3% to 2% per year. Annuity management fees are usually lower than those of other financial products, such as variable annuities, and have more economical commissions than products like mutual funds.To minimize the effect of management fees on investment returns, consider the following strategies:Negotiate fees with your investment advisor or brokerShop around and compare fees before making investment decisionsSelect low-cost investment options, such as index funds or ETFsBe aware of additional fees, such as transaction fees or account maintenance feesGaining insight into the influence of fees and commissions on your investment in the financial services industry allows you to make more optimal decisions for your retirement plan.Transparency and Ethics in Annuity SalesTransparency and ethics in annuity sales are of utmost importance. Financial fiduciaries (such as myself) are required to disclose their commission rates if asked.The National Association of Insurance Commissioners (NAIC) has developed a model to ensure agents act in consumers’ best interests and reveal potential conflicts of interest related to the products they sell.Full disclosure in annuity sales means providing essential information about the annuity’s:Terms and conditionsFeesSurrender chargesRisksPotential conflicts of interestPrioritizing transparency and ethical practices helps foster trust between clients and agents, enabling them to make informed decisions about annuities.
How Much Does It Cost To Work With Me? (Annuity Commissions 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/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 #ira You can transfer money from your IRA to another IRA with a fixed annuity
IRA to IRA Tax Deferred 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 Market Value Adjustment (MVA) is an important concept that often comes into play when dealing with annuity contracts. While it may sound complex at first, understanding what an MVA is and its implications can help you make informed decisions about your financial future.In this video, you will learn everything you need to know about an MVA on annuity contracts.Summary- MVA is a measure used to adjust the surrender or withdrawal amount of an annuity contract.- It can have a significant effect on annuities, and investors should be aware of penalty-free withdrawal limits and strategies for avoiding MVA/surrender charges.- Alternatives such as immediate annuities provide stability without MVA risk, making them ideal for retirement income or times of financial need.Understanding MVA: The BasicsMVA, or Market Value Adjustment, plays a vital role in fixed deferred annuities on a tax-deferred basis. It adjusts the benefits payable according to prevailing interest rates, protecting both the insurance company and the investor.MVA applies when any amount is withdrawn in addition to the annual penalty-free withdrawal amount or when the annuity contract is surrendered before the contract terms.We’ll proceed to examine the definition of MVA along with its impact on annuity contracts.Definition of MVAMarket Value Adjustment (MVA) is a measure applied to annuity contracts to manage risk and safeguard against market losses. The purpose of the market value adjustment (MVA) is to adjust the surrender or withdrawal amount of an annuity based on the interest-rate environment at the time of the transaction.This adjustment, along with market value adjustments, helps protect the annuity issuer from potential losses when a policy owner terminates their contract prior to the agreed-upon term.One should keep in mind that MVA differs from surrender fees that apply when an annuity contract is prematurely surrendered. By understanding the difference between MVA and surrender fees, you can make more informed decisions about your annuity investments.How MVA Affects Annuity ContractsMVA can impact annuity contracts in the following ways:- Adjusting the benefits payable based on interest rates without reducing the cash surrender value.- If interest rates have risen since the annuity was purchased, the MVA will be negative, resulting in a decrease in the contract’s surrender value.- If interest rates have decreased since the annuity was purchased, the MVA will be positive, leading to an increase in the surrender value.Given the variability of potential outcomes based on market conditions and contract terms, consultation with a retirement planner is advised before making MVA-related decisions.MVA Calculation and Its ImplicationsMVA calculation methods can vary among insurance companies, but they typically involve comparing current interest rates to those at the time of the annuity purchase.The impact of MVA on annuity contracts and the returns of investors will depend on the specific calculation method utilized by the insurance company.We’ll further explore different MVA calculation methods and what they mean for investors.Insurance Companies' MVA Calculation MethodsThere are various methods insurance companies use to calculate MVA on annuity contracts. Common methods include the Interest Rate Method and the Market Performance Method.The Interest Rate Method calculates the MVA based on changes in interest rates, while the Market Performance Method accounts for the performance of the underlying investments in the annuity.Keep in mind that insurance companies may utilize different calculation methods. By understanding the method employed by your insurance company, you can better comprehend the potential impact of MVA on your annuity’s value and your overall returns.
What is an MVA in annuities?
Like what you hear in the video? Watch the whole thing here: https://youtu.be/cC_6RlAQqfoHere 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 #fixedannuities Fixed annuities (MYGAs) are paying a lot right now! If you want a high rate of return, the consider this vehicle for tax-deferred growth.
Fixed Annuities are Paying A LOT!
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 #fixedannuities Fixed annuity rates are at an all time high right now (November 2023). If you are looking for the highest fixed growth in the market, then let's schedule a call.Keep in mind that fixed annuities are... "fixed" which means they will not earn more or less than what the contracted rate of return is. If you are looking for guaranteed income for life, then a Fixed "index" annuity with an income rider would be the solution most of the time.
Top Fixed Annuity Rates
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 Planning for retirement can be a complex and daunting task, especially when you're looking for the best ways to ensure a steady stream of income that lasts a lifetime while protecting yourself against market volatility. Annuity income riders, often referred to simply as income riders, are financial tools that offer a solution to these concerns. In this video, we will delve into the world of annuity income riders, exploring their purpose, types, benefits, and the factors to consider when evaluating them. We'll also examine the impact of fees associated with these riders, the strategies for maximizing annuity income with riders, and the importance of working with a qualified financial professional in making informed decisions. Summary- Annuity income riders provide additional income and protection against market loss but come with associated costs.- In many cases annuity income riders can offer greater income even with the fees associated with them- Consulting a qualified financial professional can help make informed decisions about annuity income riders that maximize payouts while minimizing risk.Understanding Annuity Income RidersAnnuity income riders, also known as annuity riders, are optional features added to annuity contracts, designed to maximize income and offer protection against market loss.These riders can be added to a variable annuity or fixed index annuities, but not to immediate annuities, such as an immediate annuity. Income riders give a certain income, without delay or in the future, addressing several financial concerns like inflation and beneficiary protection.However, adding riders comes at a cost, which may result in a reduction in annual income received and an increase in costs.The Purpose of Income RidersAn income rider adds value to annuity policies, providing lifelong income and shielding against market changes. Whether in the form of an immediate or a deferred annuity, income riders can be tailored to suit your financial goals and individual needs. Some benefits of income riders include:Lifelong incomeProtection against market changesAutomatic benefit base increases to ensure a higher income that keeps pace with inflation while awaiting payments to commenceThe benefit base is a figure monitored by the insurance company, which determines the income payments you will receive from your annuity. Income payments continue even if the account value reaches zero, provided that all of the annuity provider’s requirements and restrictions are met.Hence, the income rider acts as a financial safeguard, promising a steady income for you or your spouse’s lifetime, while the death benefit ensures financial security for your beneficiaries.Types of Annuity Income RidersThere are various types of annuity income riders available, each with its own advantages and disadvantages. Two of the most prevalent types are Guaranteed Lifetime Withdrawal Benefit (GLWB) and Guaranteed Minimum Income Benefit (GMIB).The GLWB allows you to withdraw a predetermined percentage of your original investment as an income payment for the rest of your life, even if the account balance is depleted.The percentage typically falls between 3% and 5%, and is influenced by factors such as the age of the contract holder and whether the guaranteed payment is for one individual’s lifetime or for two individuals.In contrast to a lump sum payment, these annuity income riders provide a steady stream of income over time.On the other hand, the GMIB guarantees a minimum amount each year until annuitization is required. The primary contrast between a GMIB and a GLWB is that a GMIB necessitates annuitization at some point, whereas a GLWB provides more leeway to take out withdrawals prior to annuitization.To select the best annuity income rider, it’s vital to assess each rider’s traits, benefits, costs, financial goals, and possible investment returns meticulously.
Annuity Income Riders: Can They Earn You More?
Like what you hear in the video? Watch the whole thing here: https://youtu.be/754LzLh7KKoHere 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 #fixedannuity Do you want a fixed annuity or an index annuity? What type are YOU? Let me help!
Fixed or indexed 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 #retirementNavigating the world of personal finance can be overwhelming, especially when it’s time to decide between annuities and certificates of deposit (CDs). Both investment options promise safety and returns, but which one is the better choice for you?In this video, it’s essential to understand their differences and how they can cater to your specific financial goals.Summary- Annuities and CDs are both safe investment tools offering definite returns. - Annuities provide guaranteed income and are primarily used for retirement, offering tax-deferred growth. CDs, offered by banks, are timed deposits with fixed interest rates and maturity dates, suitable for short-term savings.- Annuities offer advantages like tax deferral, potential lifelong income, and market volatility protection.- CDs have fixed interest rates with maturity options ranging from a few months to several years.- Annuities generally offer higher interest rates than CDs but have longer-term commitments. They provide tax-deferred growth, with taxes due upon withdrawal. CDs' interest is taxed annually as ordinary income.Annuities are better for long-term goals like retirement, providing stable, lifelong income, while- CDs are suitable for short-term savings with predictable returns. Professional advice is recommended to choose based on individual financial goals and circumstances.Understanding Annuities and CDsAnnuities and CDs are popular personal finance tools that cater to investors looking to grow their savings. While both provide a definite return on investment and are considered very safe investments, their specific features and purposes may lead you to choose one over the other.So, how do you determine which option is right for your nest egg? Comparing them side by side is the most effective approach, taking into account the claims paying ability of the insurance company offering the annuity and the financial stability of the bank offering the CD.A thorough understanding of the characteristics, unique advantages, and contributions of annuities and CDs to your financial goals is key in making an informed decision. Delving into the details of these two investment options can shed light on their complexities.Annuities OverviewAnnuities are contracts with insurance companies that provide guaranteed income and tax-deferred growth. Primarily employed for retirement objectives, annuities help individuals address the risk of outliving their savings. There are three primary types of annuities:Fixed annuities: provide a guaranteed minimum interest rate for the duration of the contract, ensuring a stable return on investment.Variable annuities: allow individuals to invest in a range of investment options, with the potential for higher returns but also higher risk.Indexed annuities: offer returns based on the performance of a specific market index, providing a balance between fixed and variable annuities.Fixed deferred annuities, also known as fixed annuity contracts, facilitate the accumulation of funds for retirement or safeguard already saved funds.The distribution options for a fixed deferred annuity include withdrawing the money in a lump sum, selecting a lifetime income option, or allowing the funds to remain in the annuity and accumulate until needed.Annuities offer several advantages, such as tax deferral, potential lifelong income, and protection from market volatility.CDs OverviewCertificates of deposit (CDs) are timed deposits offered by banks with fixed interest rates and maturity dates. Ideal for short-term savings goals, CDs provide a secure and predictable return on investment. Their duration options can range from:Three to six monthsOne yearTwo yearsFive years or moreThe CD issuer adds interest payments to your certificate at regular intervals throughout the term, typically daily or monthly, enabling you to earn compound interest.Upon maturity, you have the option to receive the lump-sum value in cash, renew the CD for the same or different maturity period, or explore other savings alternatives.
Annuities vs CDs: Which is Best For Retirement?
Like what you hear in the video? Watch the whole thing here: https://youtu.be/754LzLh7KKoHere 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 #fixedannuities Is a MYGA right for you? Do you want guaranteed growth versus guaranteed income? Let's talk about it
MYGA Fixed Annuity Guarantees
Like what you hear in the video? Watch the whole thing here: https://youtu.be/754LzLh7KKoHere 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 #bestannuitiesWhat kind of annuities do you like? Having trouble determining your type? I can help! Certain Annuities are better for different situations.
Annuities...Do You Like Blond... or Brunette?
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 #bestannuitiesHave you ever thought you had a certain "type" that fits you the most? In annuities, you have different options to choose from...do you want income? What about guarantee fixed growth versus index growth? What about an annuity with long term care benefits?In this video I go over all of that
What's Your Annuity Type?
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How To Buy An Annuity

In this video, I walk you through the exact process for looking for and purchasing an annuity. The process is easier than what you might think, especially when you have someone like me setting it all up for you!

Best Single Premium Immediate Annuities

Want to know where to get the best Single Premium immediate Annuity?. Well in the his video, I show you the best ones available right now.

John Stevenson, a prominent wealth protection educator, and Retirement & Income radio host, helps of people successfully strategize for retirement.

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  • 8275 S. Eastern Ave., Suite 254 Las Vegas, NV 89123
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