1 rich Libsyn https://www.libsyn.com 90 600 In this episode, The Annuity Man discussed:&amp;nbsp; Building an income floor before chasing growth Using annuities for risk transfer, not market upside Avoiding hype and choosing guarantees that last &amp;nbsp; Key Takeaways:&amp;nbsp; Retirement is about securing essential expenses with contractual guarantees, not chasing hypothetical returns. The priority is creating an income floor through sources like Social Security, pensions, and properly structured annuities. Once that foundation is set, the rest of the portfolio can pursue growth without threatening stability. Annuities are transfer-of-risk products, not growth engines meant to mirror the stock market. They are designed to provide principal protection, lifetime income, legacy options, and long-term care support. Buying them for upside potential misunderstands their purpose and creates misplaced expectations. Promises of upside with no downside, flashy bonuses, and inflated back-tests are red flags because nothing in an annuity is free. The right questions are what you want the money to contractually do and when those guarantees should begin. Strong lifetime income planning also requires highly rated carriers, since once you commit, there are no mulligans. &amp;nbsp; &quot;What's the best annuity? The answer is, it's the one that solves for your specific situation and provides the highest contractual guarantee with a solid, highly rated company.&quot; —&amp;nbsp; Stan The Annuity Man &amp;nbsp; Connect with The Annuity Man:&amp;nbsp; Website: http://theannuityman.com/&amp;nbsp; Email: Stan@TheAnnuityMan.com&amp;nbsp; Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g&amp;nbsp; Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!&amp;nbsp; “Fun With Annuities” The Annuity Man Podcast https://www.TheAnnuityMan.com <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/40162935/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/40162935