Sign up to save your podcasts
Or
Share Is a GLWB Better Than Advisor-Managed Retirement Income?
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
Is a GLWB Better Than Advisor-Managed Retirement Income?
In this unfiltered reality check, Shawn Plummer from The Annuity Expert breaks down exactly why a Guaranteed Lifetime Withdrawal Benefit (GLWB) is mathematically superior to traditional advisor-managed income! The short answer? A GLWB pays out significantly more money and removes all of the market risk.
Shawn breaks down the math: Under a traditional advisor-managed portfolio using the 4% rule, a $1,000,000 nest egg generates roughly $40,000 a year, while you continue to pay management fees in both good and bad markets. However, by rolling that same $1,000,000 into a Fixed Index Annuity with a GLWB, you can legally guarantee an annual payout of $70,000 to over $100,000 for the rest of your life—even if the account balance drops to zero!
Shawn also drops a massive industry warning: Do not let an advisor charge you an ongoing 1% AUM (Assets Under Management) fee to "manage" an annuity! Fixed Index Annuities do not lose money to the stock market and take roughly 20 minutes a year to update. Keep your market money with an advisor, but use an independent brokerage to secure your guaranteed income!
👉 Read our complete guide comparing the best ways to withdraw retirement funds right here:
https://www.annuityexpertadvice.com/compare-the-best-ways-to-withdraw-retirement-funds/
📞 Need a free, objective review to compare your advisor's plan against a GLWB? Call us at: 770-755-1565
⏱️ Video Chapters:
0:00 - Intro: Can a GLWB beat advisor-managed income?
0:29 - Why annuity sales are hitting all-time record highs
0:49 - The Math: The 4% Rule vs. 7% to 10%+ GLWB Payouts
1:16 - The Fee Trap: Paying your advisor in good and bad markets
2:12 - Why you should AVOID Variable Annuities for income
2:43 - Separation of Church & State: Keep market money and income money separate!
3:40 - Why you should buy from a brokerage, not an advisor
4:25 - Stop paying AUM fees on self-managed annuities!
If this straightforward breakdown helped you realize you are leaving money on the table, please Like, Comment, and Subscribe! Have a specific question about the fees your advisor is charging you? Leave a comment below and Shawn will answer it personally!
View all episodes
By Shawn PlummerIn this unfiltered reality check, Shawn Plummer from The Annuity Expert breaks down exactly why a Guaranteed Lifetime Withdrawal Benefit (GLWB) is mathematically superior to traditional advisor-managed income! The short answer? A GLWB pays out significantly more money and removes all of the market risk.
Shawn breaks down the math: Under a traditional advisor-managed portfolio using the 4% rule, a $1,000,000 nest egg generates roughly $40,000 a year, while you continue to pay management fees in both good and bad markets. However, by rolling that same $1,000,000 into a Fixed Index Annuity with a GLWB, you can legally guarantee an annual payout of $70,000 to over $100,000 for the rest of your life—even if the account balance drops to zero!
Shawn also drops a massive industry warning: Do not let an advisor charge you an ongoing 1% AUM (Assets Under Management) fee to "manage" an annuity! Fixed Index Annuities do not lose money to the stock market and take roughly 20 minutes a year to update. Keep your market money with an advisor, but use an independent brokerage to secure your guaranteed income!
👉 Read our complete guide comparing the best ways to withdraw retirement funds right here:
https://www.annuityexpertadvice.com/compare-the-best-ways-to-withdraw-retirement-funds/
📞 Need a free, objective review to compare your advisor's plan against a GLWB? Call us at: 770-755-1565
⏱️ Video Chapters:
0:00 - Intro: Can a GLWB beat advisor-managed income?
0:29 - Why annuity sales are hitting all-time record highs
0:49 - The Math: The 4% Rule vs. 7% to 10%+ GLWB Payouts
1:16 - The Fee Trap: Paying your advisor in good and bad markets
2:12 - Why you should AVOID Variable Annuities for income
2:43 - Separation of Church & State: Keep market money and income money separate!
3:40 - Why you should buy from a brokerage, not an advisor
4:25 - Stop paying AUM fees on self-managed annuities!
If this straightforward breakdown helped you realize you are leaving money on the table, please Like, Comment, and Subscribe! Have a specific question about the fees your advisor is charging you? Leave a comment below and Shawn will answer it personally!