Retirement Planning

055: Gary Baker is the Annuity Wizard Behind the Curtain [Video]

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055: Gary Baker is the Annuity Wizard Behind the Curtain

Gary Baker, the President and Chief Operating Officer of CANNEX and I, share the mic again in this week’s Fun With Annuities podcast. He’s a friend and a fellow music junkie. Check his bio below for all the bullets behind his super annuity status. If you’ve ever wondered how we spin those annuity calculators on our website – Gary and CANNEX are the brains, the engine, and the data behind those lifetime income numbers you will see. The work he and CANNEX are doing in the annuity world is ground-breaking.

Gary’s a mega source for the annuity world. His insight into the current annuity industry and where things are headed are a can’t miss episode for my annuity lovin’ super fans. Want to know how the pricing works? What to know about the variables that drive the pricing train? Are you thinking about purchasing an annuity and locking in a lifetime income stream to go along with your Social Security annuity payments? Find out why Gary and I both see annuities as more than payments, but as Lifetime Income Insurance. Choo Choo! Hop on board.

Celebrity Co-host Bio: Gary Baker

CANNEX USA is an independent and privately held company with operations in the U.S. and Canada. Gary and his team at CANNEX facilitate the efficient and accurate exchange of pricing and analytics for annuity and bank products between financial institutions and are the firm behind most SPIA, DIA, and QLAC quotes run in the U.S. I have known and worked with Gary for years. He’s a brilliant guy who knows the industry, and frankly, if there is someone out there who knows more than me when it comes to annuities, it may be this guy. He oversees product management and research, quantitative research, actuarial services, business development, and marketing in his role. We use CANNEX for our Annuities Calculators because they share the same commitment to giving investors easy access to the tools they need to make informed decisions. In addition, they continue to invest resources in the research and development of concepts that will assist in the education of retirement income products and programs. They also produce an informative video series called Conversations with CANNEX that I suggest you add to your binge list.

In this episode:
The pricing of lifetime income.
How mortality tables (life expectancy tables) work and function within annuities and life insurance.
The future of the annuity industry.
How Cannex works with carriers and some of the challenges with doing so.

Key Takeaways:
You buy a life insurance contract in the event that you die too soon, you buy an annuity in the event that you live too long.
Annuity companies don’t give anything away. If you add things onto your contract (like cost of living adjustments or cash refund options), it will change your payments.
The annuity contract has been built to provide four basic types of insurance (but not all at once): tax deferral, death benefit, guaranteed income, and growth insurance.
It helps to have human, eyeball to eyeball, contact with these annuity products to ensure you are getting the best thing for your individual situation.

Visit our website –
Use the Calculators –
Get The Annuity Man’s Books –
Schedule a time to talk to Stan –
Gary Baker –
Cannex –

Retirement Planning

Pay ZERO Taxes on Your Crypto Gains with The Charitable Remainder Trust | Mark J Kohler [Video]

Everything that you need right here for you! Crypto IRA Page at Directed IRA: you win the Jackpot with Crypto? Even make a good chunk of money on Crypto? Then you absolutely need to watch this tip. We are using the Charitable Remainder Trust to pay no taxes or even control the tax damage that you might have to take with your insane returns. We want you to pay the least amount of taxes possible when you are building your wealth!#Crypto #Cryptocurrency #taxes #Markjkohler #KKOSLawyersOpen Forum Show - Answering Difficult Tax and Legal Questions for Business Owners. Most liked podcast on Tax and Legal questions!! Mark and Mat answer tax and legal questions with business owners and investors from around the Country. Submit your questions for the next Open Forum Show at: https://www.mainstreetbusiness.comI have the perfect book for you. Learn how to start your own business and if you already have one HELP it grow! With my 8 Steps to Start and Grow your Business, you will be on your way to financial freedom and taking control of your money. Go check it out at financial wealth starts today!I go LIVE almost every week...Don't forget to Subscribe and Hit that bell icon so you get a notification every time I upload a new video or go LIVE SIGN UP for my weekly newsletter to download my FREE E-book "The 10 Best Tax-Saving Secrets Everyone Should Know" and schedule a FREE 15 Minute Interview with an Attorney or CPA from my team! Visit If you need help structuring your business or setting up your S-corp to save the most on taxes and to ensure maximum asset protection, click here to schedule a FREE 15-minute interview: for all of Mark's game-changing educational materials, take charge of your ship, and start SAVING thousands in taxes!If you liked the video, please give it a "Thumbs up!" and please subscribe to see more!Set up a self-directed retirement account at and start saving today!Visit to listen to Mark Kohler and Mat Sorensen break down complex Tax & Legal strategies in an easy-to-understand way every week!Follow me on Instagram, TikTok Facebook and Twitter @markjkohler

Retirement Planning

DMI University Sequence of Returns Risk Webinar | July 29, 2021 [Video]

Negative sequence of return risk is one of the biggest risks to the predictability and sustainability of your client's retirement income plan. As most clients have benefitted greatly from the long bull market run of the past decade and begin to transition from the accumulation phase to the distribution phase of their retirement income, negative sequence of return risk can pose significant impact to retirement planning. Designed for agents and advisors, DMI University's Sequence of Returns webinar hosted by DMI's Erick Lindewall, VP of Annuity Sales examine this problem and presents strategies for risk reduction for pre-retirees and early-stage retirees.Webinar Resources are available online at under the Sequence of Returns header.

Retirement Planning

An additional after-tax contribution to your 401(k)now allowed in the plans of many large employers can grow tax free if its moved to a Roth account.

Retirement Planning

One of the most common questions we receive is " When does a roth conversion make sense?"This year? Next year? Sometime in the future? With conversions, this is the million-dollar question and will determine how valuable the conversion is to your retirement. There are numerous reasons a Roth Conversion can make sense in your situation. We'll be walking through different retirement tax hurdles you will be subject to and how conversions can overcome these hurdles in an upcoming series. In today's video, however, we are going to start with one of the most simplistic reasons a conversion will make sense - rising taxes. Despite many retirees feeling as though taxes will have to rise in the future to deal with the national debt, Congress is unpredictable. America has had a debt issue for decades and Congress appears 'asleep at the wheel'.However, there is a tax hike in our future that we don't need to predict...The sunsetting of the Tax Cuts and Jobs Act. Right now the Tax Cuts and Jobs Act lowered each tax bracket by up to 4% and almost doubled the standard deduction. This means less of your income is taxed and the income that is taxed, is taxed at a lower rate. However, this is set to revert back to the old tax code in 2026. This means right now, retirees have a powerful window of opportunity for conversions that is closing fast!Have you been taking advantage of it? In this video, we will discuss:✅ Why a Tax Cuts and Jobs Act Roth Conversion gives retirees an added benefit✅ How to assess a 2021 Roth Conversion ✅ What the closing of this window of opportunity looks like in a forward-looking tax plan- - - - - - - - - - - - - - - - - - - Always remember, "You Don't Need More Money; You Need a Better Plan"🍿 Subscribe to our channel:🏆 Join our 'Retirement Mastery' Facebook Group:📈 Talk with us about your retirement plan here:📚 The New 60/40: How the Next Generation of Retirees Can Achieve Radical Financial Freedom through Better Safe Investing - Wealth Management is a Registered Investment Advisor in the State of WI. Safeguard Wealth Management is not an insurance provider. All content on Youtube is for informational purposes only and should not be taken as personal advice for your situation. You can read more disclosures at