Immediate Annuities Pension & Marital Property | Divorce Oh NO! | Not all assets will split equally?

The message is: Do you yourself a favor, if you really want to be “safe”, have more insured “future” income in your life and not just a collection of savings accounts.

Case Example:
Couple #1: Male age 65, Female age 55, long term marriage

Couple #2: Male age 65 Female age 55, long term marriage

Couple #1 He has: IRA $100,000 (deferred annuity, mutual fund, brokerage account, bank savings accounts, T-Bonds/Bills, the “safest” on the planet, right?)

Couple #2 He has: IRA $100,000 annuity (Lifetime SPIA/Pension – Male w/100% survivor to spouse - Female), producing $6,300 annually

Insurance is there to protect society, the rules are different for INSURANCE because the government doesn't want to provide welfare benefits, avoid money and public services to households.

That’s what immediate annuities (and also pensions) have, more favorable legal treatments.

The rules exist to help keep you from going broke. Divorce/property division is just one example in a long, long string of examples why governments likes these arrangements vs. savings types of accounts.

Legal Disclaimers and Litigation Economic Experience:
Information is for educational and entertainment purposes and based on the personal experience of presenter. Not to be used as legal advise.

LINKS:
Power Point Case Sample in PDF - https://img1.wsimg.com/blobby/go/369500a8-c330-416e-9301-24889d16b18d/downloads/Gary-Mettler-SPIAs-Pensions-and-Marital-Proper.pdf

GARY'S INFO:
LinkedIn - https://www.linkedin.com/in/gmettler/

Get Gary's book at Amazon (Always Keep Your Hands Up ) https://smile.amazon.com/Always-Keep-Your-Hands-Immediate-ebook/dp/B00QGXKSFM/ref=sr_1_1?crid=SEKN5BJKTOUX&keywords=gary+mettler&qid=1652459187&sprefix=gary+mettler%2Caps%2C102&sr=8-1

Previous Videos with Gary:
Stretch IRA update April 2022 - https://youtu.be/0Bby0bqXv6M
The lost language of Immediate Annuities - https://youtu.be/PqacCLBK3-0

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Video by Jeff Affronti with Gary Mettler