This is the Golden Era of Fixed Assets

Best index and income annuities available in my 27-year career!

- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years

- Up to 27% signing bonuses are available up to age 89 in most states.

- Highest guaranteed lifetime income

o 8-10% guaranteed annual income increase rollup

o Up to 45% bonus available in most states

Index (growth) annuity

- Strong upside potential gains

- No downside market risk

- Principal guaranteed

- Once gains locked in, become new principal

- Some products: can lock in gains at any time

- Tax-deferred growth: pay taxes on gains only when withdrawing funds

Common Misconception: If you want guarantees, you have to give up strong returns. Not true!

Annuities suffer from perception of poor performance.

If you choose a bad stock, do you blame the entire stock market?

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Wrong Indexes

3. Low interest rates when purchased

How do you avoid poor performance?

Independent agent

1. Access to nearly every product available, ensure best option

2. About 10% of agents/advisors are independent

3. If you met with an agent/advisor and were only shown one or two products, likely not independent

4. Product search: literally dozens of companies and 100's of products

Index Performance Report

- 100's of indexes

- Most poor performers

- Choose strong performing indexes

Ensure Strong Index Annuity Returns

1. Strong performing Indexes

2. No Caps: unlimited upside

3. Low or no fees

4. Strong participation rates: enhance returns

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Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Indexes with historical low returns

3. Low interest rates when purchased (2022 or earlier)

Who should contact me:

1. Own or considering annuity with caps (less than 10% annual caps)

2. Suffering low returns (likely poor performing index)

3. Purchased annuity 2022 or earlier

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Election Integrity is the greatest challenge of our generation. China stole 220 million American voter files then created large numbers of fraudulent driver's licenses to allow non-citizens to vote. US intelligence agencies knew about this yet did nothing and hid the info from the President and the American people. The Department of Homeland Security reviewed public data files of 4 states and found 278,000 non-citizens registered to vote. It is likely millions of non-citizens are registered to vote nationwide. Michigan police raided a large-scale voter registration fraud operation involving 44 people in 6 counties. One person alone submitted over 8000 votes with the same signature. They seized weapons, computer files, and significant evidence of voter fraud. The police investigation also found the Biden campaign paid the operation $11 million. The Biden FBI took over the investigation then did nothing. No one was charged. The actual damage was not that Donald Trump lost the 2020 election. The real damage is the ballot is more than a counting exercise. It is how "We the People" exercise authority over those we chose to represent us. Election fraud diminishes the legitimate voter's voice. Continued unabated, we will eventually lose our power and the freedoms we enjoy. Ferenc shares the 3 primary reasons index annuities suffer from poor returns. 1. Low interest rate environment from annuities purchased before 2023. 2. Investing in indexes with poor index performance. 3. Caps limiting index performance. You can increase potential index annuity returns 2-3X: 1. Transfer/rollover to new index annuity product to increase returns. 2. Choose indexes with strong return history (9-15% average annual returns past 10-20 years). 3. Eliminate caps (unlimited upside). Contact Ferenc at [email protected] or 866-268-4422 for more info.

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Ferenc shared the best index annuity product he has seen in his 26-year career recently became available. Unfortunately, this product is only available up to age 80.

Now, the best index annuity product for 81-89 year olds has recently become available.

There are two options:

1. S&P 500 and NASDAQ 100 indexes with 9-10% average annual returns past 10 years.

2. Up to 26% signing bonus with strong growth index options.

Both options include:

1. No downside market risk. Principle is guaranteed.

2. Once gains are locked in, guaranteed against future market risk.

This is the 'Golden Age" of fixed assets. This is the best time in 40+ years to consider an index (growth) annuity.

Contact Ferenc for more info.

YourPersonalBank.com

[email protected]

866-268-4422

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New technology has created market bubbles throughout history. The technology changes, the times change, yet human behavior does not.

The price of an asset ultimately is what someone is willing to pay for it. When there are not more buyers willing to pay the price, the correction starts.

It is not about intelligence. It is about understanding the perceived value and what time it is.

Sir Issac Newton made money in the Tulip Mania in the 1500's and got out. The prices continued to increase. He resisted reentering the market because he knew logically that prices were too high. Eventually, he reinvested near the top, then lost most of his money.

The Climax Rally is often the final cycle of a bull market. Excitement and euphoria are at the highest. It is also the most dangerous and risky portion of a bull market.

This the "Golden Era" of fixed assets. The best annuity products are available in my 26 year career!

There are index annuities without caps that offer unlimited upside potential. They also protect against downside market risk. The principal is guaranteed.

Contact me at [email protected] or 866-515-6280 for more info.

See omnystudio.com/listener for privacy information.

UBS has stated that 60% of companies are greatly reducing their US Artificial Intelligence usage in favor of Chinese AI due to the reduced costs.

Chinese AI costs are up to 95% less than US AI technology.

Benchmark tests are showing that Chinese AI is 80 - 95% as effective as US AI.

It is becoming difficult for companies to justify the cost of US AI with the Chinese models nearly as efficient.

AI related US stock valuations are priced for dominance of AI usage.

If AI demand continues to decline due to high costs, this will likely cause the AI bubble to burst.

Index annuities are a tremendous financial tool to continue strong upside gains if the markets continue to rise, yet protect against downside market risk.

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The US Equity Market Valuation has hit the highest level ever recorded!

This combined metric includes P/E, Forward P/E, Shiller P/E, EV/EBITDA, Price-to-Book, Price-to-Sales, Q Ratio, Return on Equity (RoE), and the Warren Buffett Indicator.

The US Equity Market Valuation metric has hit the 80% percentile 5 times since 1900. Each time this happened previously, US stock performance suffered underperformance for years.

Warren Buffet quotes:

- 1999: "Euphoria is the enemy." Dot-com crash followed. NASDAQ dropped over 70%.

- 2026: "Worse than 1999." Same warning, different year. What happens next?

Ferenc also shares a very special and personal 250th Independence Day message!

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Inflation has increased for the third consecutive month. Historically, inflation happens in waves.    The recent Federal Reserve meeting was the first one with the new Chairman, Kevin Warsh. Following are the highlights:    1. Half of the Fed Governors projected a rate increase in 2026    2. None of the Fed Governors project a rate decrease.    3. The Fed has dropped forward guidance.   The stock market has priced in rate cuts. This could affect valuations negatively.   Less Fed info means more uncertainty. Increased uncertainty increases volatility.   Index products allow unlimited upside potential growth with no downside market risk. - No caps = unlimited upside - No and low fee options - 100%+ one year participation rates - Up to 29% signing bonus if you have a penalty to overcome   There are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.

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IPO's over the past 45 years that debut above 40x sales underperform the market by 58% over the next 3 years.

SpaceX IPO initial price was about 90x sales.

The lower the price to sale ratio, the better the returns long-term.

The top 10 largest IPO's price dropped an average of 35% in 6 months.

IPO's tend to issue a the end of a bull market not when stocks are cheap.

70% of Bank of America's bear market indicators have triggered. Bank of America officially stated it is time to take profits.

Index products allow unlimited upside potential growth with no downside market risk. - No caps = unlimited upside - No and low fee options - 100%+ one year participation rates - Up to 29% signing bonus if you have a penalty to overcome

There are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.

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Apple went public in 1980 at 15X revenue.   SpaceX is scheduled to go public on 6.12.26 at 100X revenue. The market cap is estimated to be $1.5 -2.0 trillion valuation. This would be higher than Microsoft. SpaceX would be the third largest company by market cap in the US, behind only Apple and Nvidia.   SpaceX lost over $4 billion in Q1 2026. Total losses since founding have been over $40 billion.   95% of all SpaceX shares are held by insiders.   Typically, insiders are frozen from selling their shares for 180 days after listing to prevent the stock price from getting crushed.   SpaceX insiders will be able to sell 20% of their shares in 60 days. Several more chunks of shares will be unlocked for insiders.   By late November 2026, over 90% of insider shares would be unlocked for potential sale.   The median stock price on most large IPO's, including Facebook, Coinbase, and Uber, have lost over 50% of their stock price after one year. Many were leading companies in their space and "must-own stocks".    There may be a short-term speculative price increase due to the hype and interest around SpaceX. The valuation is extraordinarily expensive. Proceed with extreme caution.

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