Mind Amendment is a show that challenges everything we’ve been taught to believe about health, healing, and human potential. Hosted by Patrick Custer, this podcast brings together voices from across the spectrum of wellness (mental, physical, emotional, spiritual, relational) to challenge the status quo. Not your typical experts, these are trailblazers rewriting the rules and bringing bold, alternative solutions to real-life struggles. Most of us live by a mental constitution — an internal c ...
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Behaviorial Podcasts
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Join Jeremiah Konger and Zachary Van Es, The Annuity Dudes, on the I Love Annuities Podcast, where we dive deep into the world of annuities and how they can provide guaranteed retirement income and financial security. Designed for retirees and pre-retirees, this podcast covers essential topics like fixed annuities, income annuities, fixed index annuities, and safe investment options. Discover strategies to protect your savings, create guaranteed income streams, and secure your legacy with an ...
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The Secret to Spending Without Fear in Retirement - Understanding Behaviorial DNA with Hugh Massie
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1:06:00
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1:06:00Are your money habits helping or hurting your retirement? In this episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es sit down with Hugh Massie, founder of DNA Behavior, to uncover how your behavioral DNA shapes your financial decisions — and why understanding your money wiring is the missing link in smarter retirement plann…
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How to Use Annuities To SLASH Retirement Taxes To ZERO
35:23
35:23
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35:23Roth conversions with annuities could be the game-changing strategy for retirement planning you’ve never heard of. In this episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es (The Annuity Dudes) reveal how to use an annuity bonus to help cover your Roth conversion taxes — turning a painful tax bill into an opportunity for ta…
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How Retirees Save HUGE on Taxes with QLACs
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20:05Are Required Minimum Distributions (RMDs) going to wreck your retirement tax plan? In this episode of the I Love Annuities Podcast, hosts Jeremiah Konger and Zachary Van Es – The Annuity Dudes – break down how annuities and Qualified Longevity Annuity Contracts (QLACs) can help you take control of your retirement income.With the SECURE 2.0 Act rais…
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From Wall Street to Main Street: Why a Former NYSE Exec Now Helps Retirees with Annuities
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1:07:21
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1:07:21Are you overwhelmed by the complexity of annuities? In this episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es (The Annuity Dudes) sit down with their team member Tom Boyle to uncover how he helps retirees and pre-retirees cut through the noise and make smarter annuity buying decisions.Tom shares his background, what motiva…
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Who is Annuity Association? Founders’ Story, Industry Transformation & Future Vision
1:12:00
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1:12:00In this special I Love Annuities Podcast episode, hosts Jeremiah Konger and Zachary Van Es sit down with Steve Rowswell, Co-Founder & CFO of Annuity Association, to peel back the curtain on how and why the firm was founded in 2019.Jeremiah and Steve share the industry wrong-doings they witnessed early in their careers, why they saw a huge opportuni…
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How ADHD Works (Part 2 with Dr. Priyanka Rao)
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38:07
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38:07You’re not lazy. You’re not broken. You’re wired differently. In this powerful part two of our four-part series, Dr. Priyanka Rao joins us again to unravel the truth about ADHD in adults, the misunderstood behaviors, the shame loops we internalize, and how to actually move through task paralysis, executive dysfunction, and rejection sensitivity wit…
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Are Annuity Agents Acting In Your Best Interest?
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38:02Welcome to another episode of the I Love Annuities Podcast with your hosts, Jeremiah Konger and Zachary Van Es — The Annuity Dudes! In today’s episode, we’re breaking down everything you need to know about the Annuity Best Interest Standard — also known as NAIC Model Regulation #275.We’ll explain how this regulation is transforming the annuity indu…
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Reframing ADHD (Part 1 with Dr. Priyanka Rao)
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31:00
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31:00Is ADHD a flaw or just misunderstood? In this powerful Part 1 episode of Mind Amendment, Dr. Priyanka Rao, clinical psychologist and creator of NeuroDivergent Renaissance joins host Patrick Custer to reframe everything you thought you knew about ADHD. From late diagnosis and masking to misinformed clinicians and internalized shame, Dr. Rao unpacks …
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What Advisors Don’t Tell You About Annuity Commissions and Fees!
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32:02
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32:02🔍 Wondering how annuity commissions really work? Are annuity fees hidden, excessive, or fair? In this episode, we break down the myths and reveal the truth about annuity commissions and how they compare to traditional investment advisor fees. We also dive into how today's annuity advisors are held to a Best Interest Standard — similar to fiduciary …
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From Burnout To Balance (Part 4 with Dr. Jessi Gold)
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48:05
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48:05When your job is to care for others, who takes care of you? In the final installment of this powerful series, psychiatrist Dr. Jessi Gold and host Patrick Custer dive into the unspoken weight carried by mental health professionals. From the hidden rules of psychiatry that discourage vulnerability to the culture of silence around clinicians' own pai…
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We cover record sales numbers in 2025 and discuss what attributes are leading to more retiring is buying annuities.
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What Would My Patients Think? (Part 3 with Dr. Jessi Gold)
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47:13
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47:13Even psychiatrists are human. But in a system that punishes vulnerability, what does it cost to say so out loud? In Part 3 of our conversation with Dr. Jessi Gold, we dive into the emotional toll of working in mental health while carrying your own unspoken pain. From her early days in medicine, where hierarchy silenced empathy, to the personal and …
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Annuities & Taxes: What Uncle Sam Wants You to Know!
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39:06This episode of the I Love Annuities Podcast, Jeremiah and Zach, the Annuity Dudes, break down how annuities are taxed in retirement. Discover what annuity exclusion ratios are, how Fixed Index Annuities are taxed, how annuity death benefits are taxed for spouses and non-spouses and much more. #Annuities #FixedIndexAnnuities #RetirementPlanning #Li…
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Would You Be Friends With Yourself? (Part 2 with Dr. Jessi Gold)
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40:37
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40:37This one is for anyone who’s ever been praised for being strong while silently burning out. Sometimes what looks like self-care is actually self-avoidance. And sometimes the loudest voice in the room is the one in your head telling you you are not enough. In this powerful part two episode, host Patrick Custer continues his conversation with psychia…
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Burnout: The Hidden Struggle Of Healers (Part 1 With Dr. Jessi Gold)
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45:04
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45:04Burnout doesn’t always look like collapse. Sometimes it looks like showing up every day with a smile you don’t feel and calling that survival. In this powerful conversation, host Patrick Custer sits down with psychiatrist, educator, and mental health advocate Dr. Jessi Gold to unpack the hidden cost of caring for everyone else. From perfectionism a…
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Laddering Annuities: A Smart Strategy for Safer Growth and Lifetime Income
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37:00We discuss laddering annuities, a strategy for maximizing retirement income and managing interest rate risk. Explore how to create a personalized retirement plan that delivers income when needed, focusing on MYGAs and fixed index annuities. #Annuities #RetirementPlanning #FinancialPlanning #MYGA #FixedIndexAnnuities #RetirementIncome #Laddering #Fi…
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Cognitive Decline & Annuities: Protect Your Retirement
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39:24
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39:24We explore how cognitive aging impacts finances! Discover the financial risks, like scams & poor decisions. Learn how annuities, legal protections, & family involvement can safeguard your future & avoid becoming a burden. Secure your retirement now! #CognitiveDecline #RetirementPlanning #FinancialSecurity #AnnuityAdvice #SeniorFinances #FinancialLi…
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Silence to Action: Allyship & Pride Month (Part 4 with Ashley Hampton)
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24:53
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24:53“I support you, but can we not talk about this at work?” We’ve all heard it. Some of us have said it. But what happens when support stops at comfort? In this bold Pride Month conversation, Mind Amendment host Patrick Custer sits down with therapist, educator, and cultural worker Ashley Hampton to unpack what it really means to be a safe space for o…
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Highest Annuity Rates in 20 Years - Time to Buy? How Interest Rates Impact Annuity Rates
51:23
51:23
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51:23In this episode, we explore how today’s shifting economic forces—interest rates, market volatility, and inflation—shape annuity payouts, income guarantees, and your overall retirement strategy. You'll learn how annuities are linked to the 10-Year Treasury, how insurance companies invest premiums into bonds, and how Fixed Index Annuities (FIAs) use …
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Therapist Break Too (Part 3 with Ashley Hampton)
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26:04
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26:04Traditional therapy wasn’t enough to fix a broken system. Nearly 60% of BIPOC and LGBTQ+ individuals report feeling misunderstood or harmed in therapy. Clinicians are burning out. Marginalized communities are slipping through the cracks. That’s why Ashley Hampton left the comfort of private practice to launch a nonprofit rooted in healing justice b…
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Seen Not Served: Therapy Reimagined (Part 2 with Ashley Hampton)
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25:22In Part 2 of our Healing in the Margins series, licensed therapist Ashley Hampton returns to Mind Amendment to unpack what it really means to create spaces that are not only inclusive but truly affirming for BIPOC and LGBTQIA+ communities. This conversation goes beyond buzzwords and into the heart of the matter: Why marginalized people are still be…
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Annuities and Long Term Care - Unlocking Enhanced Income Benefits
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52:24Are you prepared for the high cost of long-term care? In this must-listen episode, we explore how annuities with enhanced income benefits can protect your retirement and provide a lifeline for long-term care needs. Featuring Matt Sluizer, a leading expert in long-term care annuity strategies, we break down:✅ How Fixed Index Annuities (FIAs) offer L…
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Learn how to pick the best annuity provider for your retirement. We’ll cover how to interpret carrier ratings from A.M. Best, S&P, Moody’s, and Fitch. Discover the most trusted ratings, and how to use the NAIC website to check a company’s financial health, history, and complaint record. Perfect for retirees and pre-retirees seeking a secure, guaran…
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Therapy Wasn't Built For You (Part 1 with Ashley Hampton)
21:28
21:28
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21:28Before she was a therapist, Ashley Hampton was a Black, queer, Southern girl trying to survive in a world that wasn’t built for her. In this powerful kickoff to Mind Amendment’s Pride Month series, Healing in the Margins, Ashley shares what it really means to seek emotional safety and how traditional models of therapy often fail the very people who…
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The Anatomy of an Annuity Contract - What You Need to Know
50:11
50:11
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50:11Understanding an annuity contract is crucial to making the right retirement decision. In this episode, Jeremiah and Zachary—The Annuity Dudes—dissect the anatomy of an annuity contract. From lifetime income to protected growth, they cover all the fine print: guarantees, riders, surrender periods, index crediting strategies, and your all-important f…
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Healing In Public (Part 3 with Blair Imani)
33:28
33:28
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33:28From setting boundaries to redefining joy, Blair Imani returns with a final chapter on emotional safety, public healing, and why hope is the boldest form of resistance. In the final installment of this transformative three-part series, Mind Amendment host Patrick Custer sits down with Blair Imani to explore the softer, deeper power of mental health…
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How Index Crediting Works in Fixed Index Annuities - Cracking the Code
54:07
54:07
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54:07In this episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es — The Annuity Dudes — break down everything you need to know about how index crediting strategies work in Fixed Index Annuities (FIAs).Learn the difference between annual point-to-point, monthly averaging, volatility-controlled indexes, and more. We’ll simplify key …
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When Growth Gets Messy (Part 2 with Blair Imani)
55:29
55:29
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55:29Before Blair Imani became a trusted voice in education and inclusion, she was navigating the vulnerable, often unseen side of public learning. In Part 2 of this Mental Health Awareness Month series, Mind Amendment host Patrick Custer sits down with Blair to explore the cost of visibility, the power of accountability, and the quiet courage it takes …
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Debunking Annuity Myths: What You REALLY Need to Know
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51:37
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51:37Think annuities are bad? Think again. In this episode, we bust the biggest annuity myths you’ve seen online — especially the ones pushed by Fisher Investments and other anti-annuity voices. If you’ve ever been told annuities are too expensive, too complex, or a scam… this episode is for YOU.We cut through the noise and give you the real story, incl…
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Older Annuity? Why You Should Consider Replacing!
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43:36
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43:36Are you still holding onto an annuity purchased 3–5 years ago or more? You might be missing out on significantly better rates and features available today! In this informative and entertaining episode, hosts Jeremiah Konger and Zachary Van Es—The Annuity Dudes—dive deep into the reasons why upgrading your older annuity might be the smartest financi…
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Before Changing Millions of Minds She Had to Survive on Her Own (Part 1 with Blair Imani)
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30:45
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30:45Before Blair Imani became a global force for truth, inclusion, and education she was a young girl silently battling to make sense of a world that told her she didn’t belong. Raised Baptist in the American South, and later converting to Islam as a young adult, Blair’s path through identity, mental health, and cultural dissonance isn’t just powerful …
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7 Signs You Need To Work On Your Mental Health
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8:52
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8:52From fatigue to forgotten joy, listen and learn about the hidden cues your mind and body are begging you not to miss. In this episode of Mind Amendment, host Patrick Custer uncovers seven hidden signs that indicate you may need to pay attention to your mental health before it spirals out of control. We often believe that mental health issues manife…
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Pension vs. Annuity - Rebuilding Retirement Income in a Pensionless World
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35:02
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35:02In today’s episode, The Annuity Dudes tackle one of the biggest retirement decisions you'll ever make: Should you keep your pension — or take the lump sum and build your own income stream with a fixed indexed annuity? We break down the pros and cons of both options and give you a clear roadmap to making the choice that’s right for you. Whether you’…
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Therapy Trap: Why Chasing the "Feel Better" Is Not Healing (Part 4 with Trish Caldwell)
23:43
23:43
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23:43Most people don’t relapse because they’re weak they relapse because the system is broken. In this eye-opening finale with Trish Caldwell, we dismantle the outdated practices still plaguing mental and physical healthcare today. From rushed trauma processing to therapy models designed for the wrong population, Trish breaks down how ego, convenience, …
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Behavioral Psychology and Retirement Planning: Mastering the Mind Game for a Secure Future
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59:20
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59:20Unlock the hidden key to retirement success — your own behavior. In this eye-opening episode of The I Love Annuities Podcast, The Annuity Dudes — Jeremiah Konger and Zachary Van Es — explore how behavioral psychology can make or break your retirement plan.✅ Discover the 5 emotions that derail retirement✅ Learn how guaranteed income (like annuities)…
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The Solution Is Before The Crisis (Part 3 with Trish Caldwell)
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22:33
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22:33"The solution isn’t what you reach for in the crisis it’s what you’ve built long before it." In Part 3 of this eye-opening series with Trish Caldwell, Mind Amendment host Patrick Custer digs deeper into why healing often feels elusive even when we “know what to do.” Trish flips the script on the traditional view of coping skills like deep breathing…
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How to Compare the Top Annuity Providers For Income in 2025
1:02:33
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1:02:33The Annuity Dudes reveal the top annuity providers of 2025 based on guaranteed income, carrier strength, and LTC benefits using their Multi-Point Annuity Inspection™ process. Learn how to buy annuities smarter — not just what's pitched to you.
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Emotional Regulation (Part 2 with Trish Caldwell)
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22:43
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22:43Have you ever been told to "just think differently" when you're feeling triggered? In this enlightening episode of Mind Amendment, we dive deep into the often misunderstood world of emotional regulation with expert Trish Caldwell as she explains why this common advice can be ineffective and even harmful as we explore the curriculum for Promises tha…
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5 Shocking Truths About Retirement You Must Know
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52:27
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52:27Book Annuity Discovery Meeting: https://calendly.com/annuityassociation/podcast-annuity-discoveryIn this essential episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es, your trusted Annuity Dudes, dive deep into the stark differences between financial planning during your working years and retirement planning. Discover how lo…
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The Breakthrough (Part 1 with Trish Caldwell)
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28:45
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28:45Healing isn’t always a straight line, and sometimes, the very tools meant to help us can keep us stuck. In this powerful first episode of Mind Amendment, we sit down with Trish Caldwell, Senior Vice President of Clinical Services at Promises Behavioral Health, to unpack what’s really missing in traditional approaches to mental health and addiction …
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What ChatGPT Reveals As The Most Optimal Retirement Income Plan
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46:57In this episode, we challenge conventional wisdom by putting the 4% withdrawal rule to the test against real historical data and a modern retirement income strategy powered by ChatGPT.We unpack:What the 4% rule is and why it’s outdatedChatGPT’s take on the most optimal retirement income strategyReal-life portfolio simulations from 1998–2022, 1973–1…
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The Ultimate Checklist to Choosing Your Annuity
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58:50🚀 📖 Get Your FREE Customized Annuity Rates Report! → https://annuityassociation.com/podcast-annuity-reportSchedule Annuity Discovery Meeting Here: https://calendly.com/annuityassociation/podcast-annuity-discoveryIn episode #7 of the I Love Annuities Podcast, The Annuity Dudes—Jeremiah Konger and Zachary Van Es—reveal "The Ultimate Checklist for Cho…
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The Massive Mistakes That 99% of Annuity Buyers Make
1:14:14
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1:14:14🚀 📖 Get Your FREE Customized Annuity Rates Report! → https://annuityassociation.com/podcast-annuity-reportSchedule Annuity Discovery Meeting Here: https://calendly.com/annuityassociation/podcast-annuity-discovery🔑 Key Topics Covered✅ Biggest annuity buying mistakes✅ Fixed index annuities vs. variable annuities✅ How to avoid hidden annuity fees✅ Ret…
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How Annuities Can Save You From Market Crashes
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52:10🚀 Get Your Free Annuity Report Now🔗 https://annuityassociation.com/podcast-annuity-report🔔 Subscribe for more retirement planning insights! 👍 Like & Share this episode with friends and family! 📉 How Annuities Can Save You From Market Crashes! | The Annuity Dudes 🚨 The market is unpredictable—are your retirement savings protected? In this episode of…
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What's The SECRET To Fixed Index Annuities With Income Riders
1:07:25
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1:07:25🔗 Resources Mentioned in This Episode:📊 FREE Annuity Report & Rate Comparison: https://annuityassociation.com/podcast-annuity-report📅 Schedule a Free Consultation: https://calendly.com/annuityassociation/podcast-annuity-discovery📖 NAIC Insurance Company Ratings Lookup: https://content.naic.org/cis_consumer_information.htm🎬 Video Title:🔍 What's The …
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Safe Growth Strategies Made EASY with MYGAs and Fixed Index Annuities!
1:40:52
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1:40:52🔗 Resources Mentioned in This Episode:📊 FREE Annuity Report & Rate Comparison: https://annuityassociation.com/podcast-annuity-report 📅 Schedule a Free Consultation: https://calendly.com/annuityassociation/podcast-annuity-discovery 📖 Research from Wade Pfau, Roger Ibbotson & BlackRock: Ibbotson Report: FIAs As A Bond Alternative https://d11n7da8rpqb…
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How to Secure Your Retirement with Guaranteed Income | Best Annuity Strategies for Peace of Mind
1:32:11
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1:32:11Welcome back to the I Love Annuities podcast! 🎉 Join hosts Jeremiah Konger and Zachary Van Es, the Annuity Dudes, as we dive deep into how to secure your retirement with guaranteed income and explore the best annuity strategies for peace of mind in retirement.In this episode, we cover everything from guaranteed income planning to understanding the …
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What is An Annuity? A Beginner's Guide
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1:35:52Title: What is An Annuity? A Beginner's Guide | The Annuity Dudes Description:Dive into the world of financial security with Jeremiah Konger and Zachary Van Es, a.k.a. The Annuity Dudes, on their very first podcast episode titled "What is An Annuity? A Beginner's Guide." This episode is perfect for anyone looking to understand the basics of annuiti…
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Here is the video for my 4th podcast. https://gigf.files.wordpress.com/2011/04/podcast4hq.mp4By Andrew Serwin
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