Why Are Qualified Annuities Often Recommended For Retirement Planning?

追加: 2026-05-30

[00:00:00]So, why are qualified annuities often recommended  for retirement planning? Hi there, Stan The Annuity Man, America's annuity agent, licensed  in all 50 states and Puerto Rico. Will do, not might do. You own annuities for what they will do,  not what they might do. I am the pioneer of CGO, which is Contractual Guarantees Only. We do not  look at anything but the contractual guarantees only. But we're going to talk about why  qualified annuities are recommended so often in the planning world. You're going  to be surprised by the answer after this.

[00:00:43]So, when we use the word qualified, qualified  means IRA. That means tax-deferred. Qualified means 401(k) turning into an IRA, 403(b)  turning into an IRA, 457 turning into an IRA, SIMPLE or SEP IRAs turning into an IRA, a  personal IRA. So you say, "Then why are these being recommended so much? I heard from a guy that  you should never put an annuity inside of an IRA."

[00:01:15]First of all, anybody who says that is dumb as  a box of hair. That's how dumb they are. They're dumb as a box of hair. They should not talk in  public. They should just do sign language of some sort or write things down on a pad of paper.  Because qualified longevity annuity contracts, QLACs, were put on the planet in 2014  by the IRS and the Treasury Department for use in an IRA for lifetime income  and to lower your taxes on your RMDs.

[00:01:52]So, one of the reasons that so many qualified  annuities are recommended is most everyone's assets are in IRAs. The government is trying to  figure out how to tax those IRAs because that's where the money's at. I've got theories on that,  but I won't talk about those today because you'll be like, "That's scaring me, Stan. That's  really scaring me, what you're saying."

[00:02:18]But using annuities inside of IRAs, there's  absolutely nothing wrong with it. And if you disagree with me, screw you. You have no idea  what you're talking about. Because annuities, I say screw you respectfully, annuities  are contractual guarantees. Contractual guarantees work inside of IRAs, work inside of  Roth IRAs, work outside of IRAs, non-qualified, Non-IRA. Inside of IRAs, it doesn't matter.  You're getting the contractual guarantee.

[00:02:52]"Well, why would I buy a MYGA inside of an IRA?  I'm not getting the tax deferral." But you're getting the guarantee. "Well, why would I buy  an immediate annuity inside my IRA? Why would I do that? Because I'm not getting the exclusion  ratio." Because it's the guarantee. The guarantee, the number. Remember, Stan for the number.  That's my new slogan. It's all about the number.

[00:03:17]The number doesn't change outside of an  IRA or inside of an IRA. What changes is the taxation of the money. So, if it's  inside of an IRA, money coming out of the IRA is taxed at ordinary income levels,  but it doesn't change the guarantee.

[00:03:32]The reason that you're seeing a lot of people  using qualified IRA-type assets for annuity guarantees is because that's where their money  is. Only entrepreneurs can say, "Well, I was an entrepreneur, and when I was running and gunning,  I didn't have time or the money to put in IRAs, so I don't really have a bunch of IRAs."  But the majority of you have a ton in IRAs.

[00:03:54]And if you're wanting to set up lifetime income,  principal protection, etc., you're going to have to use IRA assets. And nothing's wrong with that.  And anyone who says that you shouldn't do that are stupid. The older I get, I'm just calling it  out. I'm tired of people that seem qualified and seem like they know about finances  and seem like they know about investments, and then when they start talking about the  annuity category, they become idiots. Like, idiot-can't-find-their-shoe,  can't-tie-their-shoe idiot.

[00:04:31]"Well, you should never put an annuity inside  of an IRA." Shut up, okay? Just shut up because you don't know what you're talking about.  If you're sitting with Marge and Henry, and 90% of their money is in an IRA and they  need lifetime income to happen, are you literally gonna sit there and say you shouldn't put an  annuity inside an IRA unless you have an agenda?

[00:04:58]You can't say that truthfully, and  you shouldn't listen to anybody that says that. If you want guarantees,  you can use any type of account: IRA, Non-IRA, Roth IRA. Guarantees are  guarantees. The number is the number.

[00:05:13]Think about Non-IRA, Roth IRA, Traditional IRA.  Think of those as houses. Inside the houses: furniture. What's the furniture in this case?  The investments or whatever you're putting your money in, or the transfer-of-risk strategies  with annuities. They can be in any of those.

[00:05:35]But that's the reason you're seeing a lot of  qualified assets being used with annuities because there's 15,000 people turning 65 every  day, and they don't want the next Nvidia. Most of them don't want to play the market, they don't  want to swing up and down with the ups and downs of the market. They want guarantees, or they want  guarantees for a vast portion of what they have, especially their income floor, so they can  go live their life and not worry about it.

[00:06:03]And, oh, by the way, if you  put in that income floor, you'll be a better investor with non-annuity  assets because you have the income floor and you don't have to disrupt the investments  to get money out. Can I get an annuity amen?

[00:06:18]Using IRA assets for annuity transfer-of-risk  guarantees is fine. It works. It's contractual.

[00:06:29]It makes sense. And it makes so much  sense that the Treasury Department and the IRS developed a QLAC in 2014  to be used only in a traditional IRA.

[00:06:41]When you watch my videos, when you read my  owner's manuals, when you run quotes on my site, we do things differently. We only look  at the contractual guarantees. We only care about the number. It's not about  hypotheticals and theoreticals. There is no whizbang. We are selling the  contractual guarantees, not the dream.

[00:06:57]Do we lose sales to the dream pitchers out  there? Sure we do. But you know what? Every single one of them knows that I told them the  truth and they should have come my way. So don't make that mistake. Buy annuities for  what they will do, not what they might do, and use any asset class you want, any  asset structure you want. Non-IRA, Roth IRA, Traditional IRA, it works  in every single one of those, okay?

[00:07:27]So, go to my site, run the quotes,  download the books. Do me one last favor. Above my head, the spinning clock  shows a video that I did on lifetime income and how artificial intelligence  will change the game. Not might change the game. Not should change the game. Not  can change the game. Will change the game.

[00:07:47]I'm the only one out here talking about  it. I'm right. I just don't know when.

[00:07:51]I wish I knew when. I'd tell you. Then I'd go  trade futures and retire. But the point is, it's going to happen. AI  will affect this industry.

[00:08:01]And remember, I'm not Republican. I'm  not Democrat. I'm contractual. I'm a Contractual Guarantees Only person.  But when I look at lifetime income, I see the train coming. It's coming around  the bend, as Johnny Cash would say. That's actually a good song, Big C. I should sing  that. Next time I will. See you next time.