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5 Amazing Features SPIAs Offer & Income Riders Don’t! Single Premium Immediate Annuity: 1️⃣ Cost Of Living Adjustments (COLA) 2️⃣ Tax Exclusion Ratio 3️⃣ Contingent Joint Lifetime Reductions at Death 4️⃣ Lifetime Income With Period Certain For Beneficiaries (5-30 years) 5️⃣ Contract Strength SPIAs Can Be Non-Lapsable 🔔 Connect with FSD Insurance Services for Fixed Annuities & Life! Join our community for expert annuity insights, lifetime income options, and exclusive updates regarding traditional fixed annuities. Follow us on your favorite platforms: X (@ MrFixedAnnuity) Get daily tips, market updates, and quick annuity insights from Jeff Affronti. YouTube (@ AnnuityExperts) Watch in-depth videos on MYGAs, retirement strategies, and financial planning. LinkedIn (Jeff Affronti) Network with us for professional insights and industry trends in annuities. Instagram (@ AnnuityExperts) Explore visual guides, client stories, and retirement planning inspiration. #immediateannuities #SPIA #Incomerider #lifetimeincome

The Single Premium Immediate Annuity (SPIA) is a low-commission option that provides guaranteed lifetime payment stream, yet most people have never heard of it. With this annuity, you can build in guaranteed inflation-adjusted payments ranging from 1% to 5% per year. In this video, we show exactly what it costs to generate $1,000 per month with a 4% annual increase for different age groups, plus the pricing for fixed-period certain options only. In the United States, immediate annuities have been available for hundreds of years, with early examples offered by institutions like the Presbyterian Church in the 1700s and insurance companies in the early 1800s. (en.wikipedia. org) SPIA owners report near 100% satisfaction levels in practice, largely because the product delivers exactly as promised: simple, guaranteed lifetime payments with no market risk, no complex fees, and complete reliability. The straightforward design provides strong peace of mind for covering essential expenses, with extremely low regret rates & retirees consistently praise it for solving the fear of outliving their savings.

@MatrixMysteries The magic of compound interest. Ideally you want it working for you not against.

An American borrows $40,000 for college. Years later, the balance is $118,305.59. That’s not total paid — that’s what’s STILL owed. $77,383.59 is PURE interest. The loan didn’t fund an education. It funded a lifetime of payments.

@its_The_Dr They put these things all over Agoura Hills Interestingly though everywhere they put them they lowered the speed limit by 5 to 10 miles an hour as well

These things are everywhere, We The People are supposed to move freely and not be Surveilled.

Withdraw $40K Today or DELAY? Why The minimum guarantee is the strongest guarantee in a fixed annuity! 🤔How One Simple Decision Can Turn 20 Years of $40,000 Withdrawals into 26 Years from $1 Million — Without Ever Invading Principal ⬅️ Please feel free to contact me with any questions. Jeff Affronti - 800.373.9697 IMPORTANT INFORMATION: · This material is for informational, educational & entertainment purposes. · It is not a recommendation to buy, sell, hold or rollover any asset. · It does not take into account the specific financial situation, investment objectives, or insurance need of an individual person. · Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. · Surrender charges may also apply for early or excess withdrawals. · All guarantees are backed by the claims-paying ability of the issuer. · Products are available only in all states where approved. · Please note: Illustrated rates and payments are subject to change. · For the latest ratings, access web.ambest. com/home

💰 5.30% for 5 YEARS — June 2026 Special is HERE! 🔥 Lock in 5.30% guaranteed + earn 3% commission (up to age 80). $500k example: ✅ Turns into $647,309 in 5 years ✅ 29.46% total gain ✅ Tax-deferred + full death benefit + flexible withdrawals (A-) A.M. Best & (B-) Weiss rated carrier Client-friendly. Carrier-strong. Agent-friendly. 👉 DM me for the full PDF + Agent Kit Tag an advisor who needs to see this 👇 #FixedAnnuity #AnnuitySpecial #RetirementIncome #SafeMoney #5YearAnnuity

@Bubblebathgirl What, grass growing through the street cracks isn't normal everywhere?!

Spencer Pratt is blasting Mayor Karen Bass for cutting a major street repair program — as potholes continue to plague Los Angeles drivers. The reality star and mayoral candidate says the city diverted $100 million meant for infrastructure (including a program that once fixed hundreds of miles of roads) to other priorities like homelessness initiatives. Despite significant spending on homelessness, the problem has only gotten worse overall under Bass in key metrics according to critics. Pratt argues: “The infrastructure of the city is everyone’s priority. We pay taxes. That money was meant for infrastructure.” He promises to refocus funds on fixing the roads if elected. Shouldn’t fixing potholes and basic infrastructure be a top priority for LA? (Video: AI)

@foxnewshealth I know Arizona and Hawaii do not change, right?

Sleep scientist warns Congress is getting the science "exactly backwards" on permanent daylight saving time. Dr. Wendy Troxel tells Fox News Digital that permanent DST would force Americans to wake up "in the middle of their biological night" every single day, creating chronic misalignment between internal clocks and the external world. The U.S. tried this once before in the 1970s. It lasted less than a year before being repealed after morning car crashes spiked and parents revolted over kids commuting to school in total darkness.

Marketing on MYGAs! “This video uses brief clips of a public landing page for criticism, comment, and review under fair use (17 U.S.C. § 107). All rights remain with the respective owners. Not financial advice.” FAIR USE NOTICE This video may contain copyrighted material; the use of which has not been specifically authorized by the copyright owner. We are making such material available for the purposes of criticism, comment, review and news reporting which constitute the fair use of any such copyrighted material as provided for in section 107 of the US Copyright Law. Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work for purposes such as criticism, comment, review and news reporting is not an infringement of copyright.

@CAGOP No ID, no reason to vote. Plus votes just gets adjudicated to the other side anyway.

California Republicans - if you don’t vote, you’re ceding your vote to people that believe in this. VOTE TOMORROW!

Tired of market volatility messing with your payment streams? Want guaranteed lifetime payments you can’t outlive? Visit SPIAquote.com — a trusted source for Single Premium Immediate Annuities (SPIAs). Get personalized quotes, comparing top rated carriers, and lock in strong payouts with expert guidance from 29+ years in the business. No fees. Pure insurance guarantees. spiaquote.com The product built for lifetime payment streams. #SPIA #ImmediateAnnuities #RetirementIncome #SPIAquote

🤔How One Simple Decision Can Turn 20 Years of $40,000 Withdrawals into 26 Years from $1 Million — Without Ever Invading Principal ⬅️ ⬆️With annuity rates having increased significantly, some of the strongest minimum crediting rates in years are available right now. But the question on everyone’s mind is: will they last? ✏️Consider a $1,000,000 single-premium deferred annuity currently earning 5.3% for the first 10 years, with a strong minimum guarantee of never less than 2.6% thereafter. 💰When $40,000 annual withdrawals begin immediately in contract year 1, the annuity value remains above the original $1 million principal through the end of year 20 (age 80). In year 21 (age 81), the account value drops below $1 million — meaning continued withdrawals begin invading principal. 🧠 Now consider the impact of one simple adjustment: waiting just one year before starting those same $40,000 annual withdrawals. That additional year of uninterrupted tax-deferred compounding changes everything. ⌚️ By delaying withdrawals for only one year, the annuity value remains above the original $1 million principal until approximately year 27 (age 87). This allows the client to receive the full $40,000 annual income for 26 full years before the account balance begins to dip below the starting principal. 📚This side-by-side comparison highlights the powerful impact of strategic timing. In today’s elevated-rate environment, a single additional year of growth can potentially create six more years of principal-protected income — all supported by one of the strongest minimum guarantees available. Above is a compelling illustration of why locking in current rates and guarantees now may meaningfully extend the longevity of retirement assets, even if interest rates decline in the future. Please feel free to contact me with any questions. Jeff Affronti - 800.373.9697 IMPORTANT INFORMATION: · This material is for informational, educational & entertainment purposes. · It is not a recommendation to buy, sell, hold or rollover any asset. · It does not take into account the specific financial situation, investment objectives, or insurance need of an individual person. · Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. · Surrender charges may also apply for early or excess withdrawals. · All guarantees are backed by the claims-paying ability of the issuer. · Products are available only in all states where approved. · Please note: Illustrated rates and payments are subject to change. · For the latest ratings, access web.ambest. com/home

Check out my latest article: How One Simple Decision Can Turn 20 Years of $40,000 Withdrawals into 26 Years from $1 Million — Without Ever Invading Principal linkedin.com/pulse/how-one-… via @LinkedIn

@SteveHiltonx It is a VERY LONG LIST of items and the alternatives are often much more expensive and less durable.

Logan, 26, owns two Ace Hardware stores. Insane California regulations are now BANNING everyday products including paint, yard equipment and umbrellas. So his customers are going to ARIZONA to buy them:

What are your states Chevron prices? California:

@GovPressOffice Been using Chevron since I work at a full service Chevron station in 1986. Clean fuel, less carbon build up on Piston heads, like way cleaner than cheaper gas. Great for direct injection engines and turbo engines. Probably the best gas you can buy. Worth the few extra pennies.

Californians, if you’re hitting the road this holiday weekend, be sure to AVOID Chevron. Pro tip: unbranded gas comes from the same refineries, storage tanks, and pipelines, and it meets the same state standards to keep your engine running clean, even if it doesn’t have a fancy name like ‘Techron.’  Big Oil is already making billions off Trump’s Iran War; don’t let them rip you off even more by overpaying for the brand name.

Let move some American National MYGA!! | Works for older ages too!! (9.90% Year 1 • 4.90% Years 2-6) | A (Excellent) Rated • $250k Minimum Get contracted before it drops! | Call now: 800-373-9697, comment or DM! #mygarates #fixedannuity #fulldeathbenfit IMPORTANT INFORMATION: ·        This material is for informational, educational & entertainment purposes. ·        It is not a recommendation to buy, sell, hold or rollover any asset. ·        It does not take into account the specific financial situation, investment objectives, or insurance need of an individual person. ·        Withdrawals may be subject to ordinary income taxes and, if made prior to age 59½, may be subject to a 10% IRS penalty. ·        Surrender charges may also apply for early or excess withdrawals. ·        All guarantees are backed by the claims-paying ability of the issuer. ·        Products are available only in all states where approved. ·        Please note: Illustrated rates and payments are subject to change. ·        For the latest ratings, access web.ambest. com/home

@EricLDaugh Chevron gas is one of, if not the best, gasoline. Clean fuel been using it since 1986 when I work a a full service Chevron station! Keeps those pistons clean with the additives.

🚨 JUST NOW: California Gov. Gavin Newsom just went FULL DERANGED, "going to war" on the state's LARGEST gasoline provider Chevron due to high prices... ...yet he is PURPOSEFULLY inflating their prices with taxes and restrictions on energy 🤯 "Be sure to avoid Chevron." CLOWN.

The death benefit would have been over $40,000,000 if he would have continued funding the policy and not let it lapse. I saw estimates up to $70,000,000. Really should buy Life Insurance for the death benefit not as an investment or longevity income payment strategy. This was definitely avoidable, IMO.

@SpaceX Perfect timing!

Live webcast of Starship's twelfth flight test starts now