The Atlas Annuity Podcast

Hosted by Marty Becker

Business Investing

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100

Latest episode

Oct 2026

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About the show

Welcome Atlas Annuity Podcast, where your host, Marty Becker, turns the heat up on retirement planning! As a career firefighter, Marty's journey from battling blazes to safeguarding nest eggs offers a different look at protecting retirement assets than you've seen from any other advisor. His pension got smoked, but he found a flame-resistant strategy: annuities. Each episode, Marty dives into riveting case studies, peels back the complex layers of annuities, and has candid chats about the power of annuities to shield your retirement from the unpredictability of the stock market. Whether you're approaching retirement, or have been retired for years, Marty’s mission is clear - to give you the tools and tactics to fortify your retirement. No jargon, no fluff, just unbiased insight and solid strategies from a guy who's been in the hot seat and came out cooler than ever. Subscribe to the Atlas Annuity Podcast for a regular dose of insights that could change the way you think about protecting and growing your assets in retirement. Ready for more? Light the way to a secure future at www.atlasannuity.com and book your appointment with Marty Becker today. Don't just retire, retire with confidence.

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60 recent

October 23, 20267 min

Sequence of Returns Risk: The Hidden Threat to Your Retirement

Last week, Wall Street got a wake-up call. The Nasdaq had its worst five-day stretch since June, the fear index spiked over 34%, and one of the hottest AI companies out there watched investors demand insurance against its own debt defaulting. I'm not here to tell you the sky is falling. I'm also not here to tell you everything is fine. What I am here to tell you is that there's an important lesson buried in last week's chaos — and it applies directly to anyone within 5 to 10 years of retirement. In this episode, I break down: Why hot inflation data, credit stress in AI infrastructure, and a market propped up by just 10 stocks created the exact kind of environment that has triggered trouble before What sequence of returns risk actually is, and why it's the single biggest threat to a retirement plan — not "the market went down," but "the market went down right when you started pulling money out" Why this matters enormously if you're retired or near retirement, but barely matters at all if you're still working and contributing The simple idea behind the Atlas Annuity Strategy: guarantee the income you need to live on, so a bad headline can never dictate whether you can afford to retire or stay retired If you've ever wondered, "If the market has a rough stretch the day after I retire, would my income survive it?" — this episode is for you. Ready to find out? Book your free, no-obligation Income Clarity Call at atlasannuity.com or click "Book a Call" at the top of any page on the website. If you found this episode helpful, please subscribe, leave a rating, and share it with someone who could benefit from understanding sequence of returns risk before it's too late to plan around it.

October 17, 202616 min

$7,700 to $16,500/Year: The Annuity That Pays You More Just for Waiting

What if getting older didn't just bring wisdom and senior discounts, but actually made your retirement income bigger? In this episode, Marty breaks down a strategy where a 65-year-old who simply waits eight years to turn on guaranteed income doubles his lifetime payout, without adding another dollar or taking on more risk. Marty reviews the Midland National Income Planning Annuity, an A+ rated, employee-owned company with roots back to 1906. Unlike most income annuities that only step up your payment on your policy anniversary, this one increases your guaranteed lifetime income every single birthday, by 10% compounding for the first 10 years. In this episode, you'll learn: Why a $100,000 premium at age 65 pays under $7,700/year, but waiting until 73 pays nearly $16,500/year for life How the GLWB (guaranteed lifetime withdrawal benefit) actually works under the hood What makes Midland's birthday-based step-up different from every other income rider on the market The built-in flexibility: 5% penalty-free withdrawals from day one, a nursing home waiver, and the LPA multiplier that can double your income if you need help with daily living activities The real cost of the rider, and why it's structured differently (and arguably more fairly) than most competitors As always, Marty breaks down the good, the bad, and the ugly so you can decide if a strategy like this fits your personal retirement picture, not just pitch you the "best annuity out there." If you want to see if this strategy is right for you, book a free Income Clarity Call at atlasannuity.com.

October 10, 2026Episode 11816 min

Retirement Withdrawal Rate Danger Zone: A $1.5 Million Case Study

A married couple came to Marty with $1.5 million saved for retirement. On paper, they looked like they were in great shape. But when Marty ran the numbers, they were on track to run out of money by their mid-80s. In this episode, Marty breaks down a real case study of a 62 and 60-year-old couple needing $138,000 a year in income — a 9.2% withdrawal rate, more than double the standard 4% rule. Marty walks through four different strategies side by side: staying conservative, going aggressive in the market, a half-measure annuity approach, and the full Atlas Annuity Strategy that took them from running dry to having nearly $1 million left in their 90s, with over 90% of their income guaranteed for life and zero market risk. You'll learn: Why a safe withdrawal rate matters more than your total account balance What really happens when your withdrawal rate creeps above 4% Why "locking up" money in an annuity may actually free up more cash than staying invested How guaranteed income can let you take more risk — and defer Social Security — safely This episode is for educational purposes only and is not a recommendation to buy, sell, or trade any securities. Please consult a licensed advisor before making any financial decisions. Ready to see what your own withdrawal rate and guaranteed income strategy could look like? Book your free Income Clarity Call at atlasannuity.com.

September 25, 202611 min

The Good, the Bad, and the Ugly of Annuity Surrender Charges

Have you ever looked at an annuity illustration and seen a chart labeled "surrender schedule" and thought, wait... is my money trapped? In this episode, Marty Becker breaks down exactly what surrender charges are, why insurance companies build them into annuities, and why they're actually more forgiving than people assume. Marty walks through real numbers showing how a surrender schedule works, why it's actually more flexible than a bank CD, and why every annuity discloses a Minimum Guaranteed Surrender Value (MGSV) — something stocks and bonds never tell you upfront. He also covers when surrender charges can become a real problem (hint: it's a planning issue, not a product flaw), plus the key exceptions that let you access your money penalty-free, including terminal illness, nursing home confinement, death benefits, and bailout provisions. In this episode, you'll learn: What a surrender schedule actually is and how the declining penalty works year by year Why annuities are more forgiving than bank CDs when you need extra money What the MGSV is and why no other investment discloses this in advance The real reason surrender charges exist — and why it's not the annuity company keeping your money hostage The industry rule of thumb for how much of your money should ever go into an annuity The exceptions that let you access 100% of your funds penalty-free This episode is for educational purposes only and is not a recommendation to buy, sell, or transfer any security or insurance product. Please consult a licensed securities advisor before making any investment decisions, and a licensed tax professional for any tax-related strategies. Ready to see if the Atlas Annuity Strategy is right for you? Book your free Income Clarity Call at atlasannuity.com or click the "Schedule a Call" button on any page of the website.

September 18, 202610 min

Finding the Right Annuity Starts With Knowing Your Real Rate of Return

What if a portfolio that averaged almost 7.5% for over two decades still ran completely out of money by age 90? It's not a hypothetical — it's a real historical outcome, and in this episode, Marty Becker breaks down exactly why it happened. Most advisors love to talk about "average returns," but almost none of them explain the difference between an average return and your actual return — and that gap could be the single biggest threat to your retirement plan. In this episode, Marty covers: Why a 25% "average return" can still leave you with $0 more than you started with The real math behind a 60/40 portfolio from 2000–2025 that looked great on paper but ran dry by age 90 How to calculate the actual rate of return your money would need to match a guaranteed income annuity A real-world example of a $538,000 allocation producing $40,000 a year in guaranteed lifetime income How to protect against inflation without giving up your entire portfolio Why guaranteed income can actually let you invest more aggressively with the rest of your money — in both worst-case and best-case market scenarios If you've ever wondered whether your statement is telling you the whole truth about your money, this episode will change the way you look at every number on it. Want to know your actual return — not just your average? Book a free Income Clarity call with Marty at atlasannuity.com.

September 12, 202610 min

What's the Best Annuity? Is the Wrong Question

Every week, Marty Becker gets asked the same question: "What's the best annuity out there?" His answer never changes — there isn't one, because it depends entirely on the person asking. In this episode, Marty Becker, owner and founder of Atlas Financial Strategies in St. Louis, Missouri, breaks down the exact five-step process he uses with nearly every client: the Atlas Annuity Strategy. Rather than leading with a product recommendation, Marty walks listeners through why the "one-size-fits-all" approach used at most dinner seminars is a mistake — and what a personalized, gap-focused strategy looks like instead. Listeners will learn: Why education always comes before any product discussion How a 30,000-foot overview uncovers hidden gaps in a retirement plan — and why sometimes the answer is "you don't need anything" A real case study of a couple who felt fully covered by a pension and Social Security, but overlooked a critical survivorship gap that could have cost them 45% of their income Why unrealistic return assumptions can turn a "bulletproof" retirement plan into a fantasy How to control what's actually controllable in retirement — guaranteed income versus market risk This episode is for anyone who's been pitched an annuity based on a flashy bonus or high cap rate, and wants to understand what a genuinely personalized retirement strategy looks like before making a decision. As always, this episode is for educational purposes only and is not a recommendation to buy, sell, or transfer any security or insurance product. Atlas Financial Strategies Incorporated is an insurance-only licensed entity, and any decisions regarding securities should be discussed with a licensed securities advisor. To see if the Atlas Annuity Strategy is right for your situation, visit atlasannuity.com to book a free, no-obligation call.

September 4, 202616 min

6 Annuity Myths Your Advisor Won't Correct

Most retirees have heard at least one of these myths about annuities. That agents are just chasing a commission. That annuities cap your growth. That your money gets locked up forever. But here's the truth — most of these myths come from a misunderstanding of how annuities actually work, and believing them can cause you to overlook a strategy that might genuinely fit your retirement. In this episode, Marty Becker breaks down the 6 biggest annuity myths, where they actually come from, and exactly why they're wrong. Here's what Marty covers: Why the "commission" objection almost always comes from the client's current advisor — not the client The real difference between a cap rate, a participation rate, and a spread, and why growth isn't as limited as people think Why your money in a managed portfolio may already be more "locked up" than you realize What you're actually paying for with an income rider fee — and how it compares to a typical management fee How annuity companies actually use call options to protect your principal, and why they aren't pocketing your gains The one question every retiree should ask before believing anything they hear about annuities at a dinner seminar If you're tired of getting conflicting information about annuities and want to separate fact from fiction, this episode is for you.

August 20, 20269 min

$1 Million Decision: Annuity vs Portfolio — Which Actually Pays More?

Marty Becker goes head-to-head with the numbers: annuity vs portfolio, using a $1 million retirement as the test case. A 65-year-old couple needs $95,000/year in income, with Social Security covering $45,000 — leaving a $50,000 gap. This episode compares two ways to fill it: pulling the full gap from a traditional portfolio at a 5% withdrawal rate, or moving $400,000 into a guaranteed income annuity paying $29,750/year for life. The result is an honest, side-by-side look at what each path really means for a retiree's income and risk. This episode is for educational purposes only and is not a recommendation to buy or sell any securities.

August 12, 202618 min

Should You Buy a Rate-Lock Annuity? Watch This First

Have you been offered a rate-lock annuity? Before you sign anything, you need to hear this. In this episode of the Atlas Annuity Podcast, Marty Becker — owner and founder of Atlas Financial Strategies in St. Louis, Missouri — breaks down exactly what a "rate lock" on a fixed indexed annuity really means, and why it's not automatically the better deal most people assume it is. Marty explains the basic FIA story: your money isn't directly invested in the market, so if the index falls, you don't lose value — but if the index rises, the insurance company credits interest based on a formula. The problem? The cap, participation rate, or spread you're quoted today may not be the same one you get at your next anniversary. That's where "rate lock" products come in — but the term gets used in at least three completely different ways, and most people don't know which one they're actually being offered. In this episode, you'll learn: Why insurance companies change crediting rates in the first place The real difference between a new business rate lock, an index lock, and a cap rate lock Why a rate lock guarantees only ONE part of the formula — not your actual return The exact questions to ask your advisor before agreeing to a "locked" rate A breakdown of how annual point-to-point crediting actually works, with real numbers If you've been handed an illustration with the words "rate lock" on it, this episode will make sure you know exactly what you're signing up for before you commit a dollar. Have questions about your own annuity or retirement strategy? Book a call with Marty today.

August 7, 202612 min

The Retirement Risk Even Millionaires Can't Escape

There's a popular belief that annuities are only for people who are afraid of the market or haven't saved enough. But what if an annuity could actually improve the retirement outcome of someone worth several million dollars — even when the market performs well? In this episode, Marty Becker, owner and founder of Atlas Financial Strategies, walks through a real case study of a client worth over $4 million in combined assets who still had a $172,000 per year income gap heading into retirement. Marty breaks down exactly where that gap came from, why more wealth doesn't automatically mean more retirement income, and how a single guaranteed income annuity closed the gap completely — without touching the rest of the portfolio. If you've ever assumed that having "enough" money means you don't need to plan for guaranteed income, this episode will change how you think about retirement risk. In this episode, you'll learn: Why net worth and retirement income are two completely different problems How a real client with $4M+ in assets still faced a six-figure income shortfall How a guaranteed income annuity with deferral closed the gap for a fraction of the portfolio's value Want to see what your own income gap looks like? Book a free call with Marty at Atlas Financial Strategies.

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