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GMR 160: How to Create Protected Lifetime Income
Manage episode 283284280 series 2084658
Content provided by Leo Sabo & David Thompson, Leo Sabo, and David Thompson. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Leo Sabo & David Thompson, Leo Sabo, and David Thompson or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
Show Notes
Today’s Annuity: A Tool to Create Protected Lifetime Income
What are annuities?
An insurance product
About a quarter trillion sold in the US each year
Annuity companies are highly regulated
Benefits of Annuities
Tax Deferral
Principal Protection
Unlimited Contributions for Non-Qualified Annuities
Ability to Be Swapped Tax-Free
Probate Avoidance
Access to Cash When Needed
Offset to Longevity Risk
Guaranteed Protected Income*
Death Benefits
Nursing Home, Long-Term Care, and Terminal Illness Benefits
Types of Annuities
Fixed Annuities
Variable Annuities
Buffered or Structured Annuities
Fixed Indexed Annuities
Immediate Income Annuities
Deferred Income Annuities and QLACs
Major positives and negatives to buying annuities
The Positives
Produce higher returns than many other fixed-income options
Option for guaranteed lifetime income
Offer a variety of payout options
Tax-deferred income accumulation
Can have guaranteed/predictable rates of return
Can have principal protection and no risk of principal to market volatility
All 100% of premiums work to generate interest
Available contract riders
The Negatives
Some products have fees and charges
Restricted access to cash
No capital gains tax rates on earnings
Contractual bonuses come with strings attached
Additional income taxes for withdrawals prior to age 59-and-a-half
No additional tax benefit for qualified funds
Complexity
Where can you buy annuities? How difficult is it to purchase the product?
The Places You’ll Look – The Purchase Channels
Be Sure to Ask Key Questions to Ask Before You Buy
The Five Steps to Purchasing An Annuity
Resources
Harry N. Stout Website - www.financialverse.com
Today’s Annuity Products: A Tool to Create Protected Lifetime Income
Financial Verse Books by Harry N. Stout
Budgeting tools and other free resources - https://leosabo.com/resources
David’s website - www.stewardshippastors.com
189 episodes
Share
Manage episode 283284280 series 2084658
Content provided by Leo Sabo & David Thompson, Leo Sabo, and David Thompson. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Leo Sabo & David Thompson, Leo Sabo, and David Thompson or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
Show Notes
Today’s Annuity: A Tool to Create Protected Lifetime Income
What are annuities?
An insurance product
About a quarter trillion sold in the US each year
Annuity companies are highly regulated
Benefits of Annuities
Tax Deferral
Principal Protection
Unlimited Contributions for Non-Qualified Annuities
Ability to Be Swapped Tax-Free
Probate Avoidance
Access to Cash When Needed
Offset to Longevity Risk
Guaranteed Protected Income*
Death Benefits
Nursing Home, Long-Term Care, and Terminal Illness Benefits
Types of Annuities
Fixed Annuities
Variable Annuities
Buffered or Structured Annuities
Fixed Indexed Annuities
Immediate Income Annuities
Deferred Income Annuities and QLACs
Major positives and negatives to buying annuities
The Positives
Produce higher returns than many other fixed-income options
Option for guaranteed lifetime income
Offer a variety of payout options
Tax-deferred income accumulation
Can have guaranteed/predictable rates of return
Can have principal protection and no risk of principal to market volatility
All 100% of premiums work to generate interest
Available contract riders
The Negatives
Some products have fees and charges
Restricted access to cash
No capital gains tax rates on earnings
Contractual bonuses come with strings attached
Additional income taxes for withdrawals prior to age 59-and-a-half
No additional tax benefit for qualified funds
Complexity
Where can you buy annuities? How difficult is it to purchase the product?
The Places You’ll Look – The Purchase Channels
Be Sure to Ask Key Questions to Ask Before You Buy
The Five Steps to Purchasing An Annuity
Resources
Harry N. Stout Website - www.financialverse.com
Today’s Annuity Products: A Tool to Create Protected Lifetime Income
Financial Verse Books by Harry N. Stout
Budgeting tools and other free resources - https://leosabo.com/resources
David’s website - www.stewardshippastors.com
189 episodes
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Similar to Getting Money Right
Bitcoin pioneer Charlie Shrem peels back the layers on the lives and backgrounds of the world's most impactful innovators. Centering around intimate narratives, Shrem uncovers a detailed, previously unspoken story of the genesis and evolution of bitcoin, cryptocurrency, artificial intelligence, and the web3 movements. Join Shrem as he journeys through the uncharted territories of tech revolutions, revealing the human side of the stories that shaped the digital world we live in today.
…
continue reading
This famously is the year of elections. So the Stephanomics feed has been taken over by our bonus series, Voternomics. It’s a weekly look at the way geopolitics - and elections - are upending the longstanding assumptions of policymakers and business people around the world. Hosted by Stephanie Flanders, head of Bloomberg Economics and former BBC economics editor, former government advisor Allegra Stratton and Opinion columnist and author Adrian Wooldridge.
…
continue reading
A weekly roundup of the most important stories from the worlds of business and finance, hosted by Felix Salmon. Want more Slate Money? Subscribe to Slate Plus to unlock weekly bonus episodes. Plus, you’ll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of our show page. Or, visit https://slate.com/moneyplus to get access wherever you listen.
…
continue reading
Welcome to The Clever Investor Show, where your host, Cody Sperber, a seasoned real estate investor and educator, becomes your definitive source for everything in real estate investing and entrepreneurship. Each episode features conversations with giants in the industry like Grant Cardone, known for his real estate investor status; Wes Watson, sharing strategies for success; Eric Spofford, focusing on business growth and niche real estate markets; Pace Morby, a creative financing expert; and ...
…
continue reading
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…
continue reading
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…
continue reading
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…
continue reading
The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
…
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Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living ...
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