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内容由Leo Sabo & David Thompson, Leo Sabo, and David Thompson提供。所有播客内容（包括剧集、图形和播客描述）均由 Leo Sabo & David Thompson, Leo Sabo, and David Thompson 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品，您可以按照此处概述的流程进行操作https://zh.player.fm/legal。
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GMR 160: How to Create Protected Lifetime Income
Manage episode 283284280 series 2084658
内容由Leo Sabo & David Thompson, Leo Sabo, and David Thompson提供。所有播客内容（包括剧集、图形和播客描述）均由 Leo Sabo & David Thompson, Leo Sabo, and David Thompson 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品，您可以按照此处概述的流程进行操作https://zh.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集单集
分享
Manage episode 283284280 series 2084658
内容由Leo Sabo & David Thompson, Leo Sabo, and David Thompson提供。所有播客内容（包括剧集、图形和播客描述）均由 Leo Sabo & David Thompson, Leo Sabo, and David Thompson 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品，您可以按照此处概述的流程进行操作https://zh.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集单集
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The Village Global podcast takes you inside the world of venture capital and technology, featuring enlightening interviews with entrepreneurs, investors and tech industry leaders. Learn more at www.villageglobal.vc.
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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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continue reading
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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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Player FM -播客应用
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使用Player FM应用程序离线！
