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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Jeremiah Konger Podcasts
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The Social Security Crisis - What Happens When Benefits Drop to 81% in 2034
45:44
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45:44The Social Security trust fund will be depleted in 2034 - just 9 years from now. When that happens, every Social Security check in America will be automatically cut by 19%. This isn't a political debate or a maybe - it's math published by the Social Security Administration.🔗 FREE RESOURCES:📞 Schedule a Free Consultation: https://annuityassociation.…
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Retirement Revolution: How In-Plan Annuities Are Changing 401k Forever
38:05
38:05
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38:05SECURE 2.0 just changed retirement forever—your 401(k) can now offer guaranteed lifetime income like a pension. This is the biggest shift in retirement planning since the 401(k) was invented. In this video, I break down exactly how in-plan annuities work, which major companies are offering them, and whether this option makes sense for YOUR retireme…
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60 Years Old with $500k - Should I Buy an Annuity?
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58:59
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58:59You're 60 with $500,000 saved for retirement. Should you buy an annuity, or is there a smarter strategy? In this video, The Annuity Dudes break down the exact decision framework including MYGA rates, SPIA income comparisons, and alternative strategies like bond ladders and split approaches.⏱️ TIMESTAMPS:0:00 - Introduction: The $500k Question0:30 -…
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Are Annuity Rates About to Drop in 2025? Must-Know Predictions
46:30
46:30
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46:30Annuity rates in 2025 are shifting dramatically. See the latest MYGA, SPIA, and FIA rates from top carriers and what's driving these changes.Annuity rates have experienced significant movement in 2025, and if you're planning to purchase an annuity or already own one, you need to understand what's happening right now in the market.This comprehensive…
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The #1 Roth Strategy to SAVE You Thousands on IRMAA Surcharges
35:12
35:12
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35:12IRMAA surcharges can add $6,000+ annually to Medicare costs. Discover how Roth annuities create tax-free income that bypasses IRMAA income thresholds.Medicare IRMAA surcharges catch most retirees by surprise. When your Modified Adjusted Gross Income (MAGI) crosses specific thresholds, you pay significantly more for Medicare Part B and Part D premiu…
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The Big Beautiful Bill Explained: What Retirees Must Know
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35:27
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The 6 Domino Effects of NOT Doing a Roth Conversion
25:28
25:28
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25:28Should you convert your IRA to a Roth IRA, or is it better to leave your money where it is? In this episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es break down the pros and cons of Roth conversions, the benefits of staying with a traditional IRA, and how this decision impacts your retirement income, taxes, and legacy.We c…
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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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20:05
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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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The Secret to Spending Without Fear in Retirement - Understanding Behaviorial DNA with Hugh Massie
1:06:00
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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From Wall Street to Main Street: Why a Former NYSE Exec Now Helps Retirees with Annuities
1:07:21
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
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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Are Annuity Agents Acting In Your Best Interest?
38:02
38:02
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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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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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We cover record sales numbers in 2025 and discuss what attributes are leading to more retiring is buying annuities.
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Annuities & Taxes: What Uncle Sam Wants You to Know!
39:06
39:06
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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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Laddering Annuities: A Smart Strategy for Safer Growth and Lifetime Income
37:00
37:00
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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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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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Annuities and Long Term Care - Unlocking Enhanced Income Benefits
52:24
52:24
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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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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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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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Debunking Annuity Myths: What You REALLY Need to Know
51:37
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!
43:36
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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Pension vs. Annuity - Rebuilding Retirement Income in a Pensionless World
35:02
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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Behavioral Psychology and Retirement Planning: Mastering the Mind Game for a Secure Future
59:20
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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How to Compare the Top Annuity Providers For Income in 2025
1:02:33
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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5 Shocking Truths About Retirement You Must Know
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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What ChatGPT Reveals As The Most Optimal Retirement Income Plan
46:57
46:57
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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
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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
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
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
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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