Some types of income can quietly push your Medicare premiums higher—sometimes by hundreds of dollars a year. In this episode, Marty explains how IRMAA (Income Related Monthly Adjustment Amount) works, what income sources count toward it, and how certain investment choices could help you stay under the limit.

You’ll learn:

Which common investments increase your IRMAA

Why even reinvested income can raise your Medicare costs

How fixed indexed annuities and MYGAs may offer IRMAA-friendly growth

What the exclusion ratio is and how it helps reduce taxable income from annuities

When Roth conversions inside annuities might make sense

If you're close to retirement—or already navigating Medicare—this episode can help you make smarter decisions about income and taxes in retirement.

Not all annuity income is created equal. In this episode, I take a close look at the Delaware Life Dual Track Income Annuity—a product that caught the attention of one of my clients because of its “potential” for higher income.

But here’s the thing: that extra income is based on brand-new indexes and a lot of hypothetical back-testing.

In this episode, I walk through:

How the Dual Track annuity’s income rider and roll-up rate work

What the “performance withdrawal base” really means

Why relying on unproven indexes could lead to disappointment

The side-by-side numbers that helped my client make a confident decision

If you’ve been offered this product or a similar one, this breakdown will help you understand the risks and trade-offs so you can make the best choice for your retirement plan.

You may think your retirement plan is solid—but have you ever tested it?

In my latest post, I talk about stress testing your retirement income strategy. Just like your doctor checks your heart under pressure, we need to see how your finances hold up when things don’t go as planned.

Inside the post, I break down some of the most important retirement lessons most people never hear about:

Why average returns can be misleading

A real example of a couple at risk of running out of money

How adding guaranteed income changed their entire plan

What to do if the market crashes—or soars

It’s easy to understand, and the video brings the full strategy to life with real numbers and outcomes.

Click here to read the post and watch the episode

Thinking about using your 401k to buy an annuity? In this episode, I break down the two main ways to do it—and the big mistakes you’ll want to avoid. I also share a real-life example of how one couple increased their guaranteed income by $70,000 just by using a smarter rollover strategy.

Here’s what we cover:

Why annuities are becoming more popular for retirement income

What the SECURE Act changed about annuities inside 401k plans

The pros and cons of using your 401k’s built-in annuity options

How to roll over your 401k without triggering taxes

Why a second opinion can mean thousands more in retirement income

If your 401k is a big part of your retirement plan, this episode is a must-listen.

You’ve made the decision to buy an annuity—but what actually happens next? In this episode, I walk you through the full process, step by step. From submitting the application to funding the annuity and activating your benefits, I explain what to expect and when.

We’ll cover:

Whether you’ve already bought an annuity or are still thinking about it, this episode will help you feel more confident and prepared.

Want help with your own retirement plan? Visit AtlasAnnuity.com to schedule a call.

When you put money into an annuity, how do you know it’s safe? In this episode, we’re breaking down exactly how annuity companies protect your money—and what safeguards are in place if something goes wrong.

You’ll learn:

Annuities can be a great retirement tool, but only if you have confidence in the company holding your money. Tune in now to get the facts and make informed decisions about your financial future.

Watch the full episode now!

Are you prepared for the rising cost of long-term care? In this episode, Marty Becker breaks down the latest updates in long-term care insurance for 2025, including why past policies failed, how new policies are more stable, and what you need to know about Medicare and Medicaid coverage.

With 76 million baby boomers aging and long-term care costs rising, many retirees will face serious financial challenges without a plan in place. Marty shares key insights from an industry report, explaining:

✅ Why Medicare won’t cover long-term care beyond 100 days
✅ The true cost of care, from in-home services to skilled nursing facilities
✅ The difference between traditional and asset-based long-term care insurance
✅ How to protect your savings and avoid relying on government-run facilities

Don’t wait until it’s too late—tune in to learn how to safeguard your future and get the right coverage before you need it.

Watch now and explore your options at AtlasAnnuity.com.

Are indexed annuities really as bad as some financial experts claim? In this episode, Marty Becker breaks down the biggest myths about indexed annuities and sets the record straight. From fees and surrender charges to commissions and market returns, we’re cutting through the misinformation and showing you how these products actually work.

Tune in to learn:

Before you make a decision about your retirement, get the facts. Click play to hear the real story behind indexed annuities.

Not all annuities are taxed the same way, and understanding the difference between qualified and non-qualified annuities can have a big impact on your retirement. In this episode, I break it all down in simple terms, including:

If you have money in a 401(k), IRA, or annuity, you need to know how these tax rules work. Listen now to make sure you’re not leaving money on the table.

Are dividend-paying stocks really a reliable source of retirement income, or are they riskier than they seem? In this episode, we break down income annuities vs. dividend-paying stocks, looking at real-world examples of companies that slashed dividends, leaving investors without income when they needed it most.

From Kodak and RadioShack to JCPenney and General Motors, we examine what went wrong and why a high dividend yield isn’t always a good sign. More importantly, we compare dividend stocks to income annuities, which offer guaranteed, predictable income for life—no matter what happens in the market.

If you’re counting on dividends for retirement, this episode will help you understand the risks and why annuities may be a more secure alternative.