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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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement In this video I share how a client was able to be in a better position with a MYGA versus a SPIA annuity contract.
Is a SPIA or a MYGA better for Highest 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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall The blog of this video is here: https://johnstevenson.com/how-to-reduce-annuity-taxes/ CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement If you're thinking about purchasing an annuity, one of the first questions you probably have is: “How will this be taxed?” Great question — because depending on how you fund your annuity, your taxes can be very little… or quite a lot… or sometimes none at all. In this video, I’ll walk you through exactly how annuity taxation works, how income is treated under different funding types, what the exclusion ratio means, and whether there are legitimate ways to reduce or manage taxes in retirement. How Annuity Income Is Taxed Depends on Your Funding Source The same annuity can be taxed very differently depending on the bucket of money you use. Here are the three main categories: Non-Qualified (Cash / Taxable Assets) - Funded with after-tax dollars - Your tax basis has already been taxed - Only the earnings portion of each payment is taxable - Part of your income can be tax-free Traditional IRA, 401(k), TSP, 403(b) - Funded with pre-tax dollars - 100% of income is taxed as ordinary income - No special tax treatment — every payment is taxable Roth IRA - Funded with post-tax dollars - Zero taxes forever, as long as rules are met - Income from a Roth-funded annuity is completely tax-free 👉 Pro Tip: A Roth annuity is the only way to receive guaranteed lifetime income that is tax-free for life. Not all carriers allow Roth conversions after purchase, so get guidance before choosing a contract.
How Are Annuities Taxed… and Is There a Way to Reduce 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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall The blog of this video is here: https://johnstevenson.com/annuities-fast-enough-beat-inflation/ CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement Inflation is the hidden tax that eats into every retiree’s income. And many retirees are asking the same question: “Do annuities actually grow fast enough to beat inflation… or even keep up with it?” It’s a smart question—especially when you want market protection and growth. Traditional thinking says, “Just buy more stocks to beat inflation,” but if you're retired or nearing retirement, that kind of volatility can feel terrifying. The good news? Yes—certain annuities can outpace inflation when you choose the right contracts. And in this video, we’ll break down which ones do it best, how they work, and how to avoid the traps many retirees fall into. What Inflation Really Is—and Why It Matters for Retirees Inflation today is confusing. Some say it’s “back down to 2%,” others say it’s much higher—especially when you factor in rising costs from tariffs, food, housing, and healthcare. Here’s the truth: Your personal inflation rate depends on what you buy. So the real question becomes: How much does your annuity need to grow to maintain your purchasing power? For many retirees, keeping pace isn't enough… you want to beat inflation so your income lasts.
Do Annuities Grow Fast Enough to Beat Inflation?
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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement If you are like many retirees, you are subject to RMDs. An annuity can be a GREAT way to satisfy that requirement while also providing lifetime income that you cannot outlive!
Can Annuities be Used for RMDs?
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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement Here is a story of how one of my clients wants to provide a $149k pension for his wife once he passes away.
Using $1 Million to Generate $149k per year From 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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall The blog of this video is here: https://johnstevenson.com/taking-pension-buying-annuity/ CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement If you’re approaching retirement and you have a pension, you’ve probably wondered: “Should I take the pension payout… or would I get more income by moving that lump sum into an annuity?” This is one of the most common questions retirees bring to me. And the truth is: sometimes the pension is the better deal — but most of the time, today’s private-market annuities pay significantly more. Let’s break it down clearly and simply so you can compare your options with confidence. Pension vs. Annuity: What’s the Real Difference? A lot of retirees don’t realize: A pension is an annuity. Social Security is also an annuity. They’re all structured the same way — a guaranteed income stream you can’t outlive. The difference? Your company’s pension = one option The private annuity market = thousands of options That’s why so many retirees reach out to me before they “flip the switch” on their pension. They want to know: Is my pension’s payout competitive? - Is the joint payout for my spouse any good? - Would a private annuity pay more for the same lump sum? -And the answer, in most cases? 💡 Most pensions today pay much less than a high-quality private annuity. (But not always — and when your pension is the best option, I’ll tell you.)
Are You Better Off Taking the Pension… or Buying an Annuity Instead?
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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall The blog of this video is here: https://johnstevenson.com/are-high-bonus-annuities-too-good-to-be-true/ CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement High-bonus annuities sound great on paper. 20%… 25%… sometimes even more. But are these bonus annuities actually good, or are they “too good to be true”? Today, I’ll break down exactly how they work, when they are worth it, and when you should stay far away. What Are Bonus Annuities—and Why Do They Sound So Good? Bonus annuities give you an upfront boost—sometimes 10%, 20%, even 25%—when you add money into the contract. Sounds amazing, right? But here’s the truth most advisors won’t tell you: A big bonus almost always means the insurance company throttles your future growth. If your goal is pure growth (no income rider), bonus annuities usually cap you around ~3% average growth per year. 💡 Pro Tip: If anyone pitches you a high bonus and “amazing growth,” 99% of the time the growth numbers are based on hypothetical back-tests, not real-world results.
Are High Bonus Annuities Too Good to Be True?
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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement In this video I share who should and show should NOT book a call with me.
Free Annuity Advice? How I Get Paid
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/start 2. Schedule a call to work with me: https://go.oncehub.com/RetirementStrategyCall CONNECT WITH JOHN: Call John The Guaranteed Retirement Guy: 702-819-0895 Website: https://johnstevenson.com Email: john@johnstevenson.com Facebook: https://www.facebook.com/guaranteedretirementguy Instagram: https://www.instagram.com/guaranteedretirementguy X: https://x.com/theguaranteeguy Tiktok: https://www.tiktok.com/@guaranteedguy #annuity #guaranteedincome #retirement Check out this story of how I helped a person get a $100k bonus to their income value, plus a 9.5% growth rate for $45,000 per year in annuity income guaranteed for life!
$45k Per Year Guaranteed Income Annuity
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