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You’re not the first one to feel that way. But, I would encourage you to watch other videos that specifically talks about the ones that have no fees. Specifically, the one that has a chart graph for you. I’ll come back and paste the video here. Remember, pensions and Social Security are annuities too. You just need to know what type of annuity has NO fees and which ones DO have fees and why.

Here’s the video. I hope this will broaden your education. Which Annuity = YOUR Purpose (YOUR Comparison Chart) ruclips.net/video/8-dL0gR7gaw/видео.html

@@kciis has nothing to do with feelings. If the commission does not come from me do you get the commission if I don’t buy the annuity? Lol. The fact that the insurance company gives you a check after a sale as opposed to me handing you the check is immaterial.

@@kciisare you a fiduciary? No you are commissioned insurance salesman. You are very good at your presentations however.

Yes, of course! Please call our office at 408-502-7080 or email kai@retiringoptions.com and we’ll be happy to help.

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

@@YinusaSaheed That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!

@@TylerMohn-g9l Mind if I ask you to recommend this particular coach you using their service?

@@LiamOlivia-4 MARGARET MOLLI ALVEY Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

@@TylerMohn-g9l She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

Sure. Take a look at this video, however, I do recommend you start with our step one playlist to lay the foundation better. "Is THIS REALLY the BEST Annuity?" | PROs & CONs | 5 Income Riders ruclips.net/video/n7FkzgQtP8g/видео.html

This will be the foundation nicely for you. Have to watch this playlist, you can go to our channel and under a playlist, look for Steps 2, 3,4. We hope this helps you! Step 1: 5 Annuity Types Explained (Terminologies & Conceptual Purposes) ruclips.net/p/PLhy55v5WCqkDeauJQO53zTt3UXf_Fb6qt Kai & Ann Chung 408-502-7080

No, and do not let anyone ever make you think so. Well, life insurance can provide tax-free income, do not believe any RUclipsrs I talk about infinite banking. The infinite is very misleading. If you call the insurance company directly and ask them if the universal life insurance policy can provide any guaranteed income for the rest of your life, contractually and in writing, they will say no. Remember, life insurance is for a death benefit. A pension or hybrid pension or Social Security is considered a “living benefit.” Makes sense? Please take a look at this first playlist to lay the foundation on what a hybrid pension is and comparing them to other annuities. Step 1: 5 Annuity Types Explained (Terminologies & Conceptual Purposes) ruclips.net/p/PLhy55v5WCqkDeauJQO53zTt3UXf_Fb6qt Kai & Ann Chung 408-502-7080

Oh, and after you’re done with the Step 1 playlist, I would recommend going to a channel, click playlist, and look for steps 2,3, and 4 to be well educated, and have a strong foundation regarding guaranteed income.

That’s a good question. The insurance companies will typically take around 5% or so the portfolio and buy options of the index that you choose. However, the option that they choose, and whether they make money or lose money does not affect your annuity. 70% of their money is typically invested in bonds, 10 to 15% are a mortgage loans. Why are there gains and losses not affecting your account value? The reason is because you are not buying an investment. Please take a look at this other video and it will make more sense. I’ll come back and paste it as another chat.

Go to this playlist and you can jump to the video where we call out Dave Ramsey and his horrible explanation. You might also enjoy the rest of this playlist. However, we do recommend that you go to our channel, go to playlists, and look for steps 1, 2, 4 to have the right foundation, and also a strong educated understanding of the annuity space. Enjoy! Step 3: Strategies, Fixed Indexed Annuities Explained, & How We Get Paid ruclips.net/p/PLhy55v5WCqkDCEsB95KCA_JrjbzJDKKpG

Awe…Thank you for your comment and support! Kai & Ann Chung

It might not be too late. Give us a call to review your policy. Kai & Ann Chung 408-502-7080

Give us a call so we can guide you. By the way, it’s best to email or call us as well as commenting. This way we don’t miss your question. Sometimes we don’t get to all comments.

Thanks for commenting. Did you watch the entire video? We did talk about it. Also, those monster penalties are gone now. The most is 10% with some plans and states only starting at 8%. This is similar to a CD. ALSO, we have plans that allow you to keep the gains up to the day you pull out then the take the penalty. Kai & Ann Chung

We do respond to email, but we need to first see if you qualify and if these are in your best interest. We do that only over the phone first. Please give our office a call. Kai & Ann Chung 408-502-7080

We have been insurance licensed for going in 20 years and our home state is San Jose CA. 3031 Tisch Way Ste. 308 San Jose CA 95128 Again, we represent of 50 plans and can assist in all 50 states. Learn more through our website. www.RetiringOptions.com

Thanks. We do have playlist labeled Step 1 through 4. Please look for those under “playlist” in our channel.

Regarding the English subtitles RUclips should has a Closed Captioning option if you turn on subtitles. Look for CC near the gear icon

Thank you! Give our office a call! Kai & Ann Chung 408-502-7080

No we are in San Jose CA Kai & Ann Chung 408-502-7080

Yes, but call us to see if it’s I your best interest overall and your age as well. We don’t want to sell it to you unless it’s a good fit. Kai & Ann Chung 408-502-7080

Thank you! Kai & Ann Chung 408-502-7080

Thank you! 🙏

Because you do not know how the rates will be. From 2009 to 2022 the rate less than 1%. CDs were only 2% and MYGAs were only 3%. You should watch our laddering out and lettering in video where we talk about the comparison. #1 Strategy to BEAT INFLATION: Laddering OUT & IN Annuities Explained ruclips.net/video/NayE2Isfl7k/видео.html Kai & Ann Chung 408-502-7080

Looks like you’re an animal lover as well!

Our pleasure! We recommend you watch our 4 Step playlists. This will give you most if not all you need to decide if these are in your best interest. There are 5 Main types of Hybrid Pensions you should be aware of. We also encourage you to call our office to set up an appointment. We do require those that would like an appointment to watch these 4 playlist before the appointment. We are currently 2 weeks booked out, so it might be best to book an appointment and then watch these videos while you’re waiting for your appointment. Pros and Cons of All Annuities & Hybrid Pensions ruclips.net/video/8-dL0gR7gaw/видео.html 5 Types of “Hybrid Pensions” ruclips.net/video/n7FkzgQtP8g/видео.html Playlist Step 1 ruclips.net/p/PLhy55v5WCqkDeauJQO53zTt3UXf_Fb6qt&si=JqCTTbdlZfW69P7R Playlist Step 2 ruclips.net/p/PLhy55v5WCqkB005aQ8oGyxnWGV6TurBYg&si=OA76tbUZrKD5Sz7U Playlist Step 3 ruclips.net/p/PLhy55v5WCqkDCEsB95KCA_JrjbzJDKKpG&si=GW2ZBV3pSyCrbf4R Playlist Step 4 ruclips.net/p/PLhy55v5WCqkASjgCnghepaVxBJueTJQpY&si=UFMt0bfooaoi38IS Kai & Ann Chung 408-502-408-502-7080

Delta Dental. But it’s still limited to a year it cap of $1500. Price is around $70 per month but it’s based on age and where you live and if it’s available in your area. Also there’s a waiting period, typically 1 year. Call us if you’re interested and we can look it up based on where you live and age.

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!

@@hasede-lg9hj Mind if I ask you to recommend this particular coach you using their service?

Mind if I ask you to recommend this particular coach you using their service?

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Annette Marie Holt turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.