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/group-annuity-contract/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 #retirementofpartner Group annuity contracts offer a way for employers to ensure steady retirement income for employees.These contracts grow contributions over time and convert them into guaranteed payments.In this video, we’ll explain how a group annuity contract works and what to consider when evaluating them.Summary- Group annuity contracts are employer-sponsored financial arrangements that provide a reliable stream of income during retirement, typically after the accumulation phase ends around age 65.- Participants can choose between fixed and variable annuities, with fixed options offering predictable returns, while variable options provide potential growth linked to market performance.- Receiving benefits can be structured as lump sum payments for immediate cash access or as lifetime income streams that ensure financial security throughout retirement.Defining Group Annuity ContractsGroup annuity contracts are a cornerstone of many employer-sponsored retirement plans.These are insurance agreements that provide a stream of income to employees during their retirement years, helping them avoid the risk of depleting their savings.Typically, these contracts are offered as part of defined benefit plans, which have been a staple in retirement planning since the 1920s.A group annuity contract is a financial arrangement between an insurance company and an employer, allowing the employer to purchase annuities for their employees.Unlike individual annuities, which are held in an individual’s name, group annuities are held in the employer’s name, providing a collective benefit. This collective nature often results in better terms and rates for participants.One of the defining features of group annuities is the accumulation phase, where funds are built up before the payout begins.This phase is critical as it determines the eventual amount of income you will receive during retirement.The funds can be accumulated through one-time payments or ongoing contributions made by the participants and sometimes supplemented by employer contributions.Once the accumulation phase ends, typically around the age of 65, the accumulated premiums and earnings are converted into lifetime income.This conversion ensures that retirees receive a steady stream of income, which can be a significant relief, especially when other sources of retirement income, like social security, may not suffice.Group annuities are often customizable, allowing for various structures and distribution methods to suit different needs.However, it is crucial to understand that the default form of retirement benefit in a group annuity contract typically offers a life benefit with no death benefit for unmarried participants.
Understanding How a Group Annuity Contract Works
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/how-to-buy-an-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 Navigating the complex world of annuities can be challenging, but we’re here to make it easier for you to make informed decisions.In this video, we’ll break down the intricacies of purchasing annuities and provide you with tactics to amplify your retirement income.Here’s what you can expect:- Analyze your financial situation and investment goals before buying an annuity.- Choose between fixed annuities (guaranteed returns) and indexed annuities (growth potential linked to market indexes).- Compare offers from different insurance companies, considering guarantees and surrender charges.- Gather necessary documentation accurately for the annuity application process.- Consider conducting a 1035 exchange to transfer funds into an annuity without tax penalties.Understand Your Financial SituationBefore buying an annuity, it’s essential to analyze your financial situation and determine your investment goals to see if an annuity is right for you. This step involves assessing your income sources, expenses, savings, and retirement accounts like 401k or IRA.Having a thorough comprehension of your monetary circumstances can assist you with settling on educated choices when picking the correct annuity provider.Assess the Income Sources & ExpensesTo begin with, list all of your current income sources such as salary, pension benefits, Social Security payments, or any other passive incomes.Next, itemize all monthly expenses including housing costs (mortgage or rent), utility bills (electricity/gas/water), food expenditures, and discretionary spending on entertainment, travel, hobbies, etc.Subtracting total expenses from income will provide a snapshot of the funds available for investment each monthEvaluate Current Savings and InvestmentsOnce you have a comprehensive understanding of your financial situation, you can make informed decisions about the type of annuity that best suits your needs and investment goals.This will help ensure that the annuity contract you choose aligns with your long-term objectives.Before taking any steps concerning annuities, it is essential to comprehend one’s financial position. Examining the distinctions between fixed and indexed annuities is necessary before making a choice.Savings: Calculate the amount in liquid assets such as checking/saving accounts that can be accessed easily during emergencies without penalties.Inflation-protected securities: Consider investing in instruments like Treasury Inflation-Protected Securities (TIPS) that provide protection against inflation risks while offering fixed interest rates.Risk tolerance: Determine if you are comfortable taking more significant risks for potentially higher returns by analyzing factors like age/time horizon until retirement & risk capacity based on net worth.Choose Between Fixed Annuities and Indexed AnnuitiesBased on your financial situation analysis, you can choose between fixed annuities that offer guaranteed interest rates or indexed annuities that provide potential for growth linked to market indexes while still protecting against losses.Each type has its advantages depending on individual needs; therefore, carefully consider which option aligns with your risk tolerance level.Pros and Cons of Fixed AnnuitiesFixed annuities are a popular choice among retirees due to their simplicity and guaranteed returns.They offer full annuity payments at a predetermined interest rate over the life of the contract, ensuring a steady income stream during retirement.
How To Buy an Annuity in 2024 (Step-by Step-Guide)
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 #pension If you are looking for big pension money, the I would urge you to take a look at high paying annuities! A lifetime income annuity can really create a big difference in your retirement.
Large Pensions from 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 #pension Buy a large annuity pension!! If you are looking for a lot of income from an annuity, I'd love to help you.
Big Pension Money from 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/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/sell-annuity-payments/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 Before you decide to sell annuity payments, it’s vital to consider these 7 things before you decide to sell annuity payments.This video helps you understand seven key factors: discount rates, hidden fees, comparing offers, tax implications, your future financial needs, legal requirements, and consulting a trusted advisor.Summary- Understand the discount rate as it directly affects the present value of your annuity payments, influencing the lump sum you receive.- Evaluate all associated fees and charges, including surrender charges and Market Value Adjustments, to accurately estimate your net payout.- Consult with a trusted advisor to navigate tax implications and assess your future financial needs before making the decision to sell annuity payments.1. Understand the Discount RateWhen selling annuity payments, one of the first concepts you’ll encounter is the discount rate. It significantly influences the lump sum you receive.Typically, discount rates range from 9% to 18%, and the higher the rate, the lower your immediate cash value.Therefore, a lower discount rate is more beneficial because it retains a greater portion of your annuity’s total value.The discount rate fluctuates with prevailing interest rates.When interest rates rise, the discount rate also increases, resulting in a smaller lump sum payout.Conversely, lower interest rates can yield a more favorable discount rate. Gathering and evaluating offers from various buyers is essential, as different companies may propose varying rates.Moreover, don’t hesitate to negotiate the discount rate, as it can significantly impact your final payout.Remember, the discount rate isn’t just a static number; it’s a critical factor that can make a substantial difference in the amount of money you receive.Understanding and negotiating this rate can maximize the value of your annuity sale. Consider this as you evaluate your options and discuss with potential buyers.2. Evaluate Fees and ChargesBeyond the discount rate, various fees and charges can eat into your lump sum when selling annuity payments.One significant fee is the surrender charge, which applies when withdrawing funds from an annuity within a specified period.These charges typically decrease over time but can still be substantial depending on your annuity’s terms. Understanding the surrender charge period and its implications is crucial for making an informed decision.Additionally, some fixed annuities offer a free withdrawal provision, allowing you to access a certain percentage of funds annually without incurring surrender fees.This provision can be a valuable feature to look out for, potentially saving you a significant amount of money.Market Value Adjustments (MVAs) also play a role, as they adjust the amount withdrawn based on current interest rates, which can either positively or negatively impact your payout.To avoid unexpected financial losses, it’s essential to review all fees and charges associated with variable annuities in conjunction with the discount rate.Also, take into account the insurance company’s costs related to surrender charges and MVAs when selling an annuity.These expenses can vary widely, so understanding them will help you estimate the net amount more accurately.Thoroughly evaluating these fees and charges helps avoid larger-than-anticipated losses and enables a more informed decision.
Consider These 7 Things Before You Decide to Sell Annuity Payments
Like what you hear in the video? Watch the whole thing here: https://youtu.be/0hYczG_TtvMHere 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 #premiumbonus Premium bonuses are like eye candy...they look great on the outside...but what's the hidden downfall?
Premium Bonus...not as good as you think
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 #premiumbonusPremium bonuses can look good, but are they really the best for long-term growth?? In this video I talk about an annuity premium bonus and how it can throttle your future growth.
Annuity Premium Bonus - Is it The Best Thing?
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-vs-mutual-fund/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 Investors often face a choice between annuities and mutual funds, particularly in retirement planning.This video explores annuity vs mutual fund key differences and similarities, covering aspects such as fees, returns, liquidity, and tax implications to help you make an informed decision.Summary- Annuities provide guaranteed lifetime income, while mutual funds focus on capital appreciation and diversification.- Annuities typically involve higher fees and lower liquidity, with restrictions on withdrawals, contrasting with the greater flexibility and lower costs associated with mutual funds.- Understanding tax implications is crucial, as annuity withdrawals are taxed as ordinary income, whereas mutual funds may incur capital gains taxes upon sale.Understanding AnnuitiesAnnuities provide a steady income during retirement, making them a reliable choice for those seeking stability.These are contracts offering regular payments or a lump sum as returns, funded through a single lump-sum payment or periodic payments. Knowing the various types of annuities helps in making an informed decision.Types of AnnuitiesFixed annuities offer a guaranteed return over a set period, providing stability and predictability.These are ideal for conservative investors who prioritize a dependable income stream over potential higher returns.On the other hand, a variable annuity allows investors to select different investment options.The payouts from these annuities depend on the performance of the chosen investments, offering the potential for higher returns but also carrying higher risks.Unlike fixed annuities, variable annuities enable investors to customize their subaccount allocations to match their investment strategies.Indexed annuities blend the characteristics of fixed and variable annuities. They provide a guaranteed minimum interest rate with potential returns linked to a market index.This type of annuity can offer growth opportunities while still ensuring a level of protection against market volatility, making it a versatile option.Annuity IssuersAnnuity issuers’ financial stability is key. Annuity holders depend on the issuer to fulfill the guarantees provided in the contract.Credit rating agencies like A.M. Best and Standard & Poor’s evaluate annuity issuers’ financial health, ensuring they can meet their obligations.A strong financial rating from these agencies indicates the issuer’s ability to maintain the guaranteed income payments promised to annuity contract holders.Therefore, when comparing annuities, considering the issuer’s financial stability can provide peace of mind for your retirement planning.
Annuity vs Mutual Fund: Key Differences and Similarities
Like what you hear in the video? Watch the whole thing here: https://youtu.be/fAzrk99KWHsHere 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 #annuityagentIs your annuity agent honest? Are they showing you all of the options even if their commission is less? Most do not unfortunately.
Is YOUR Annuity Agent Honest?
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 #transparency Is your annuity agent being transparent with you? If they are selling you annuity, they BETTER be showing you everything!
Annuity Agent Transparency
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/annuity-cap-participation-rates/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 When choosing an annuity, understanding participation rates and cap rates is crucial. Participation rates determine the percentage of index gains credited to your annuity, while cap rates limit the maximum returns.In this video, we’ll take an inside look at annuity participation rates and cap rates and their impact on your investment returns.Summary- Annuity participation rates determine the portion of index gains credited as interest, impacting potential investment returns and can range from 80% to 90% in early years.- Cap rates set limits on the growth credited to indexed annuities, varying among insurers and significantly affecting overall returns compared to market performance.- Understanding factors such as surrender periods, withdrawal penalties, and the balance of income versus growth is crucial for making informed decisions about indexed annuities.What Are Annuity Participation Rates?Participation rates in fixed index annuities determine the portion of index gains credited as interest.Fixed indexed annuities are a type of insurance contract that offers interest based on the performance of a market index, providing a balance of growth potential and protection against loss.In a fixed indexed annuity, this rate shows the percentage of the index’s growth credited to the annuity.For instance, if the participation rate is 40%, and the index grows by 10%, the annuity would be credited with 4% of that growth. This rate directly impacts potential investment returns.In the early years, participation rates in many indexed annuities often range between 80% and 90%. Sometimes annuity companies will even offer par-rates in excess of 200-500%!Though these rates offer significant growth potential compared to fixed annuities, they also have limitations.For example, even if the market performs exceptionally well, the gains credited to the annuity might be limited by the participation rate and other factors like caps.Anyone considering an indexed annuity should understand these dynamics as part of their financial strategy.Calculation MethodsThe calculation of participation rates in indexed annuities is closely tied to interest rates and market performance.Typically, these rates rise and fall with changes in interest rates, reflecting the broader economic environment.The rate on an indexed annuity is typically determined by the year-over-year gain. It may also be calculated using the average monthly gain in the index over a 12-month period.This approach ensures that the credited interest aligns with the overall performance of the index, albeit with certain limitations.Multiple limits, including participation rates and caps, may apply to a specific index option.These limits are designed to protect the insurance company while still offering potential growth to the policyholders.For instance, the participation rate and cap can change from year to year, affecting the overall returns on the annuity.Typically, the credited yield ranges from 2% to 15%, depending on the specific terms of the annuity contract.Knowing these calculation methods helps set realistic expectations for potential returns from an indexed annuity.Impact on ReturnsHigher participation rates can significantly enhance the returns on an annuity, especially in a favorable market.When the market performs well, a higher participation rate means that a greater portion of the index gains is credited to the annuity contract.This can lead to substantial growth for the annuity holder, making participation rates a key factor in assessing the potential upside of an investment.However, interest caps, which limit returns during bull markets, should also be considered. Even if the index performs exceptionally well, the overall gains credited to the annuity might be restricted by these caps.Both participation rates and interest caps play a critical role in determining the potential returns for annuity holders.Balancing these factors ensures the annuity meets the investor’s financial needs and expectations.
An Inside Look at Annuity Participation Rates and Cap 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/RetirementStrategyCallThe blog of this video is here: https://johnstevenson.com/alternative-retirement-plan/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 Retirement planning isn’t the same everywhere in the U.S. due to varying state laws and regulations.These differences impact the types of plans you can access, the tax benefits you might receive, and the employer contributions available.This video will dive into how an alternative retirement plan can differ from state to state and what you should consider when planning your retirement.Summary- A lot of states are moving away from traditional pensions like 401Ks or 403b plans. Annuities offer an alternative retirement solution to help supplement your income.- Retirement plan options vary significantly across states due to differing legislation, with state-specific plans including defined benefit, defined contribution, and hybrid models designed to meet local needs.- Employer contributions and matching incentives play a crucial role in enhancing retirement savings, with availability and generosity varying by state, making it essential for employees to understand their options to maximize benefits.- State-run retirement programs, often with automatic enrollment features, are key initiatives to improve retirement savings rates, especially for employees without employer-sponsored plans, facilitating easier participation in retirement savings.Supplementing Traditional PensionsTraditional defined benefit plans guarantee a specific monthly payout at retirement, based on factors like salary and years of service.However, with the shift towards defined contribution plans and the liabilities of longer life expectancies, many states are moving away from traditional pensions.To ensure stable retirement income, individuals often need additional savings options.Various ways to enhance retirement income include annuities and hybrid retirement plans. These retirement plan alternatives offer flexibility and stability, helping retirees manage their finances more effectively.AnnuitiesAnnuities provide guaranteed income for a specified period or the lifetime of the annuitant, serving as a reliable income source during retirement.They ensure financial stability for those worried about outliving their savings and act as insurance contracts offering regular income, making them suitable for many retirees.These products are particularly beneficial for supplementing traditional pension plans.Annuities provide a steady income stream, helping retirees maintain their standard of living and financial security throughout retirement.Need help with finding the highest paying annuity?Lump Sum and Hybrid OptionsLump sum plans give retirees a one-time payment, providing immediate access to their retirement savings.This option offers flexibility for those who prefer to manage their own investments or have immediate financial needs.Hybrid retirement plans combine features of defined benefit and defined contribution plans, offering both a guaranteed pension and the option to receive funds in a lump sum.These options provide a balanced approach to retirement income, blending the stability of traditional pensions with the flexibility of defined contribution plans.This combination is advantageous for those seeking a diverse retirement strategy that accommodates both predictable income and financial flexibility.
How an Alternative Retirement Plan Can Differ from State to State
Like what you hear in the video? Watch the whole thing here: https://youtu.be/9dbVWfzS7JkHere 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 #annuityscamAnnuities are not scams...the sale people who sometimes sell them can act like scam artists though if they are not qualified to sell annuities or have the transparency needed to serve their client's best interest.
Is Your Annuity Advisor a Scam Artist?
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 #annuityscamAre annuities a scam???? Well I guess they are.....as long as you believe buying life insurance as well as buying a home a scam. Lots of people make commissions for their work. It does not mean that the product is a scam! Annuities have been around for 500 years. Scams don't last longer than a few years...
Annuities Are a SCAM?!
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 the video is here: https://johnstevenson.com/indexed-annuity-fixed-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 #retirementHow does an indexed annuity differ from a fixed annuity? The key difference is how they generate returns: indexed annuities offer growth linked to market performance, whereas fixed annuities provide guaranteed returns.In this video, we will break down these differences and explain what they mean for your retirement planning.Summary- Annuities can provide a guaranteed income stream during retirement, with various types including fixed, indexed, and variable annuities to cater to different financial goals and risk tolerances.- Fixed annuities guarantee a fixed rate of return and offer security during retirement, while indexed annuities link returns to market performance, providing potential for higher gains but with increased risk.- Consulting a trusted advisor is crucial for selecting the right annuity aligned with individual financial goals and risk tolerance, ensuring effective retirement planning.What types of annuities are there?Annuities can be broadly classified into several types, each designed to meet different financial goals and risk appetites. The main categories include:- Fixed annuities- Index annuities- Immediate annuities- Deferred annuities- Variable annuitiesFixed annuities ensure a specified payment amount for a defined period, protecting the principal from market losses.Fixed index annuities, on the other hand, aim to provide growth potential linked to market indices while offering some protection against losses.Understanding how a fixed index annuity differs from fixed annuities can help investors make informed decisions.Variable annuities allow for growth based on market performance but come with fewer guarantees compared to fixed annuities.Indexed annuities offer the potential for higher returns with greater risk of a zero return, as they are linked to market performance.By understanding these types, you can better navigate the array of annuity options available to you.
How Does an Indexed Annuity Differ From a Fixed 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/joint-survivor-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 Considering a joint and survivor annuity for you and your partner? It’s vital to understand the crucial considerations for buying a joint and survivor annuity before committing.These annuities offer lifetime income for both of you, ensuring financial stability even after one partner’s death.We’ll explore essential factors like payment options, financial implications, and differences between SPIAs and DIAs.This video will help you make an informed decision to secure your financial future together.Summary- Joint and survivor annuities provide lifetime payments for both spouses, ensuring financial security even after one partner’s death.- There are key differences between Single Premium Immediate Annuities (SPIAs) and Deferred Income Annuities (DIAs), primarily in the timing of payment disbursement.- Selecting the right payout option and evaluating flexibility features are crucial in optimizing the benefits of joint and survivor annuities, making expert financial guidance essential.Understanding Joint and Survivor AnnuitiesA joint and survivor annuity is an annuity contract providing payments for the lifetimes of two individuals, typically spouses.The primary purpose of these annuities is to ensure financial security by guaranteeing lifetime income for both partners, even if one person dies before the other.Many couples choose these annuities to safeguard their partner’s financial needs, alleviating the fear of financial instability after one partner’s death.Joint and survivor annuities offer significant advantages for married couples. This especially true for those in their 60s who are worried about outliving their savings as they prepare for retirement.These annuities provide a steady income stream, continuing payments regardless of which spouse dies first.This continuity ensures that the surviving spouse is not left without income, providing a crucial safety net during retirement.A joint annuity can be an effective solution for couples seeking this financial security.The structure of these annuities allows payments to last until both annuitants die. However, the payment amounts can vary based on the investment amount and the life expectancy of the annuitants.For example, if one spouse has a significantly shorter life expectancy, the payments might be adjusted accordingly.Understanding these dynamics is essential for effective financial planning and ensuring that the annuity’s payout meets the couple’s long-term financial goals.
Crucial Considerations for Buying a Joint and Survivor Annuity
Like what you hear in the video? Watch the whole thing here: https://youtu.be/FMX0hYIpPBMHere 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 #annuityspecialistDon't buy annuities from your advisor who knows little to nothing about them. Buy from an annuity expert who studies them every single day.
Don't buy an Annuity from Your Advisor
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 #annuitypurchaseIf you want expert advice on an annuity, talk to someone who does it everyday...and then reward him for taking his time. Buy the annuity from the annuity expert who has your best interests at heart.
Buy the Annuity from The Expert!! Not your advisor
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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 host of the Guaranteed Retirement Show, helps of people successfully strategize for retirement.

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