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@ken_serna Avatar @ken_serna Ken Serna

Ken Serna posts on TikTok about money, insurance, retirement, life insurance the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

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Social category influence finance XXXXX% stocks XXXX%

Social topic influence money 5.76%, insurance #844, retirement #789, life insurance #88, inflation 1.05%, ira #165, fia #9, rates #895, loan 0.52%, investment XXXX%

Top accounts mentioned or mentioned by @flavioorozcooficial @clairjet @coconutfiona @kenrphil @sherry @fitnessphotographer @gmailcom @dolla_sign_dani

Top Social Posts #

Top posts by engagements in the last XX hours

"🚨 Dont buy mortgage protection insurance from your lender until you watch this. Most people think theyre protecting their family But in reality mortgage protection insurance often pays the bank not your loved ones. 😳 Heres the truth they dont tell you: ✅ Its usually overpriced ✅ The benefit decreases as your loan goes down ✅ And YOU dont control where the money goes Now compare that to real term life insurance: ✔ Level coverage ✔ Your family gets the cash ✔ It follows you even if you move ✔ Usually cheaper 💰 If youre a homeowner you NEED to know the difference. 📩 DM me TERM or comment"
TikTok Link @ken_serna 2025-09-24T21:55Z 54.8K followers, XXX engagements

"Save this reel and comment BANK below to start your IUL & FIA today 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link @ken_serna 2025-07-27T04:03Z 54.8K followers, 62.6K engagements

"Save this reel and comment BANK below to start your Life Insurance 📲 There are two major pieces to the WEALTH puzzle 🧩 X TRUST X LIFE INSURANCE Specifically setting up a life insurance for cash value growth. That way you take loans against your cash value while your account continues to grow 📈 That way you get UNINTERRUPTED GAINS in while you use that money for other investment opportunities 👌 Comment BANK below if you are interested in setting your Life Insurance policy 📲 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-12T21:01Z 54.8K followers, XXX engagements

"Never heard of an FIA Its like a 401(k) but safer. No market losses. Up to XX% growth. Lifetime income guaranteed. This is how people are retiring without worry. 😮💨 💬 Comment FIA if you want the 2-minute breakdown #retirement #annuity #financialliteracy #FIA #moneytips #taxfreeretirement #safeinvesting #indexstrategy #financeexplained"
TikTok Link @ken_serna 2025-06-23T01:02Z 54.8K followers, 41.3K engagements

"The Waterfall Method Explained 📝 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #infinitebanking"
TikTok Link @ken_serna 2025-04-10T18:42Z 54.8K followers, 3032 engagements

"A guy reached out wanting a $1M IUL 🏦 I asked if his agent explained the BLEND: Smaller death benefit & adding a term policy on top 👍 He said hed never heard of it. Thats because most agents chase commissions not strategy. The difference between a $1000 a month into a $1M IUL and $1000 a month into a $250k IUL was over $250k in this situation 🤯 📲Comment IUL and Ill show you how to structure it the right way. #I#IULL#LifeInsuranceL#LivingBenefitsM#MoneyTipsRetirementPlanning"
TikTok Link @ken_serna 2025-10-12T20:20Z 54.8K followers, 1203 engagements

"3 STEPS ON ROLLING OLD 401(K) INTO FIA 📊 Comment Where if you want a list of the top annuities 📲 X Find a good agent pick the annuity right for you and submit the application 👍 X Request a direct transfer or indirect roll-over 💰 X Fill out any additional required paperwork needed for the transfer/roll-over 📄 ##IUL##LifeInsurance##LivingBenefits##MoneyTips#RetirementPlanning"
TikTok Link @ken_serna 2025-09-23T18:54Z 54.8K followers, 25.5K engagements

"Borrowing From Your Life Insurance Policy 🏦 💳 This is one of the most common misconceptions about cash value life insurance 🙅♂ ##IUL##LifeInsurance##LivingBenefits##MoneyTips#RetirementPlanning"
TikTok Link @ken_serna 2025-10-05T21:45Z 54.8K followers, 1703 engagements

"Save this reel and comment WATERFALL below to start your Life Insurance 📲 There are two major pieces to the GENERATIONAL WEALTH puzzle 🧩 X TRUST X LIFE INSURANCE If you are looking to setup a trust you need to deal with an estate planning attorney 👩💼 However you dont need that before signing up for your policy. IN FACT most people do their Life Insurance first and then change their beneficiary to their trust when they set it up 👌📜 Comment WATERFALL below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA"
TikTok Link @ken_serna 2025-06-02T00:40Z 54.8K followers, 3607 engagements

"Comment below Bank to start yours today 🏦 One of the common misconceptions when explaining this method to people is You already have to be wealthy to have this work" Thats not true. Every single person gets a large life insurance policy. So even if the first generation amasses no wealth whatsoever when they pass they will still leave millions of dollars to the FAMILY BANK. The most important aspect of it all is the life insurance component. That part you ALSO dont need to have a lot of money to get it started either. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link @ken_serna 2024-05-01T00:47Z 54.8K followers, 43.1K engagements

"$10k in Savings vs Cash Value 🏦 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-09T02:51Z 54.8K followers, XXX engagements

"🚨PLEASE READ BELOW🚨 I am not saying that ALL IULs with Transamerica/WFG are not structured the right way 🚫 Im just saying as of recently majority of the improperly structured clients have been with them ⚠ I just had a client putting away $40k a year that specifically told the agent to structure it with MINIMUM DB and they did the exact opposite 😑 Regardless of the company thats not right 👍 My point is this: 👉 If you are going to get a client a $1M IUL you owe it to them as an agent to show them the same premium with a smaller (Maybe $250k IUL) and a term blend and let them choose. 👉"
TikTok Link @ken_serna 2025-08-11T22:48Z 54.8K followers, 1295 engagements

"💸 FIA - FIXED INDEXED ANNUITY 📊 FIAs have become increasingly competitive in the financial industry. So much so that financial advisors those whom would traditionally NEVER recommend annuities due to their commitment to keeping their clients money in the stock market are now utilizing them in their financial portfolios. Not only for the income stream in retirement but the ability to grow your money without risk of loss. Make sure to talk to someone who is properly educated and can give you the pros and cons as well as the explain the internal workings of an annuity to see if one is right"
TikTok Link @ken_serna 2024-03-01T06:46Z 54.6K followers, 3020 engagements

"6 Features To Consider Before Buying An Annuity 📊 X. Fees 💸 X. Surrender period X. Lifetime income 💰 X. Bonus 👏 X. Company Rating 🔋 X. Index Allocation 📊 If you have an old 401(k) IRA or just money thats in the bank and you want your money to grow more and have protection against stock market loss you should look into an annuity to see if its right for you 💪 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-02T21:58Z 54.8K followers, XXX engagements

"Cash Value Loans 🏦 Utilizing policy loans can be a great way of leveraging this financial tool 🏦 If done the right way you are able to access money tax-free for investments and purchases all the while your money continues to grow 📊 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-08T19:21Z 54.8K followers, XXX engagements

"🎙TONY ROBBINS ON HYBRID ANNUITIES 📊 Comment FIA to look at your options for rolling over your old 401(k) or IRA into an annuity 📲 And if you havent read his book Master The Money Game 📕 its an amazing resource for anyone wanting to increase their knowledge of money💰 ##IUL##LifeInsurance##RothIRA##FinalExpense#TermLifeInsurance"
TikTok Link @ken_serna 2025-08-12T22:25Z 54.7K followers, XXX engagements

"3 ANNUITY MYTHS 🙅♂ X. You cant touch your money with an annuity 💰 X. Annuities have high fees ❌ X. Your beneficiaries dont get anything with annuities if you die 🙏 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-09T16:38Z 54.8K followers, XXX engagements

"Replying to @kenrphil ❌ The Truth About FIAs Fixed Indexed Annuities arent perfect and anyone telling you otherwise is just trying to sell you something. Here are X real downsides you need to understand BEFORE putting your money into one: X Surrender periods (you cant touch all your money early) X Limited upside due to caps and participation rates X Complexity and risk of working with the wrong agent 😬 But heres the thing every financial product has pros AND cons. The real question is: Does it fit YOUR retirement strategy ✅ If you're rolling over a 401(k) nearing retirement or just looking"
TikTok Link @ken_serna 2025-06-26T16:34Z 54.8K followers, 8355 engagements

"❎ X REASONS ANNUITIES WERE BAD IN THE PAST 🙅♂ Comment FIA if you are looking into annuities for yourself 📲 X. Long and high surrender charges and period X. Forced annuitization X. No death benefit for the remainder of your unpaid accumulation value They have changed Reach out to know more about how they work today 💪 #IU#IULi#LifeInsurancei#LivingBenefitso#MoneyTipsetirementPlanning"
TikTok Link @ken_serna 2025-08-28T00:26Z 54.6K followers, XXX engagements

"What is an ANNUITY 🤔 Annuities have been around a very long time. Up until the 90s annuities werent considered the best option when it comes to retirement. 👎 Over the last 15-20 years they have become increasingly competitive and to the point where they are the go-to option for retirement income 💸 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link @ken_serna 2024-02-15T02:00Z 54.8K followers, 19.5K engagements

"🏦 IUL vs FIA📊 This is a question that comes up a lot since both of these have a lot of similarities. They both can grow based on a market index are protected against market loss and can pay you an income in retirement. Make sure that you speak to a properly trained agent that knows how to structure these 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #Rollover #RothIRA"
TikTok Link @ken_serna 2024-07-15T22:25Z 54.7K followers, 2574 engagements

"Comment below FIA if you want to open an FIA for yourself 📲 One of the biggest reasons people cant retire on their own terms is simple: - MARKET LOSS 📈 Thats where a Fixed Index Annuity (FIA) comes in 💪 Its designed to grow your savings while protecting you from ever losing a dime due to market downturns 💰 Take this scenario 📝 👉A 45-year-old moves $200000 from an old 401(k) into an FIA. 👉 This specific annuity has ZERO % FEES. 👉 If the markets perform like they have over the past decade WITH an income benefit bonus their benefit amount would be $1.1M. 👉5.85% of the benefit value at"
TikTok Link @ken_serna 2025-10-07T05:28Z 54.8K followers, 10.9K engagements

"Single Premium Life 💰 You often hear about us talking about MINIMUM premium or MAX funded policies and those are referring to those amounts on an annual basis 📝 However there is an amount that you can pay where the ENTIRE policy is paid up at one time 🤯 This can be good for someone who just wants coverage their entire life and doesnt want to make monthly payments ❌ Do your research before doing this the TAX IMPLICATIONS are different than a normal IUL and may not be favorable if you are looking to use the cash as a retirement income etc 🧐 #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link @ken_serna 2024-10-31T22:47Z 54.8K followers, 1317 engagements

"📈 How a Fixed Indexed Annuity Works 🔍💰 A Fixed Indexed Annuity (FIA) is a powerful retirement tool that offers growth potential while protecting your principal from market downturns 🙌 Heres how it works: ✅ Market-Linked Growth Your returns are based on a stock market index (like the S&P 500) but your money is never directly invested in the market. 📊📉📈 ✅ Downside Protection Even if the market crashes you never lose money due to market performance 🚀❌📉 ✅ Probate Avoidance Your account value will pass to your beneficiaries like a life insurance death benefit regardless if you have a will"
TikTok Link @ken_serna 2025-04-12T05:33Z 54.8K followers, 1832 engagements

"Comment IUL below to learn how 📲 👉 In this client scenario this is XX year old male putting away $1000 per month or $12000 a year until he is XX years old. 💰 👉 He will immediately have a death benefit of $XXX which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.25%. This interest rate is NOT guaranteed but is based on what this account has done over the last XX years. 📊 👉 At the age of XX he will have accumulated $803k in retirement 💪 👉If he choose to he can trigger an income stream at XX (60 at the earliest) of"
TikTok Link @ken_serna 2025-10-09T05:42Z 54.8K followers, XXX engagements

"🚀 The Power of the Indexed Universal Life 💰🔥 The Indexed Universal Life (IUL) policy isnt just life insuranceits a powerful financial tool that offers: ✅ Tax-Advantaged Growth Your cash value grows without Uncle Sam taking a cut 💸 ✅ Living Benefits Access money in case of a critical illness chronic illness or terminal diagnosis. 💊🏥 ✅ Market Gains Without the Risk Earn interest based on market performance but never lose money due to market downturns 📈🚀 ✅ Tax-Advantaged Retirement Income A smart way to build wealth and secure your future. 🔑 ✅ Legacy Protection Leave behind a tax-free"
TikTok Link @ken_serna 2025-03-18T00:55Z 54.8K followers, 2644 engagements

"Replying to @FitnessPhotographer How do annuity companies guarantee to pay you out more than you gave them 🤔 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link @ken_serna 2024-07-06T22:05Z 54.8K followers, 3211 engagements

"$1500/MO INTO A MAX FUNDED IUL AT XX 🏦 ##IUL##LifeInsurance##LivingBenefits##MoneyTips#RetirementPlanning"
TikTok Link @ken_serna 2025-10-10T23:15Z 54.8K followers, 1350 engagements

"5 Reasons To Get Your Life Insurance License ✍ 💸 #LifeInsurance ##BeYourOwnBoss##Annuity#SideHustle #WorkFromHome"
TikTok Link @ken_serna 2025-10-14T20:46Z 54.8K followers, XXX engagements

"👉 What Happens To Your Money in an Annuity When You Die 💰 The common myth is that the insurance company keeps all of your money 🙅♂😭 In an FIA there is a DEATH BENEFIT so when you pass away whatever you rolled over will pay out to beneficiaries including any interest that it has earned 💪 If youve been pulling money out as retirement income they will just subtract any income that youve pulled out and the rest will still go to your beneficiaries 👏 Comment FIA to look into one for yourself 📲 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-12T21:29Z 54.8K followers, XXX engagements

"Comment below FIA if you want to open an FIA for yourself 📲 One of the biggest reasons people cant retire on their own terms is simple: - MARKET LOSS 📈 Thats where a Fixed Index Annuity (FIA) comes in 💪 Its designed to grow your savings while protecting you from ever losing a dime due to market downturns 💰 Take this scenario 📝 👉A 45-year-old moves $200000 from an old 401(k) into an FIA. 👉 This specific annuity has ZERO % FEES. 👉 If the markets perform like they have over the past decade WITH an income benefit bonus their benefit amount would be $1.1M. 👉5.85% of the benefit value at"
TikTok Link @ken_serna 2025-10-06T03:46Z 54.8K followers, XXX engagements

"📊 XX YEAR OLD ROLLING $400K INTO FIA 💸 Comment FIA to turn your 401(k) into retirement income💰 This is an illustration showing a XX year old putting $400k in an FIA and triggering an income at XX years old 📝 The interest rates shown are not guaranteed but based on historical performance of the index 📈 Please consult a financial professional 👩💼 to discuss your goals risk tolerance and time horizon 🕰 to make sure an annuity is right for you 💪 #I#IULL#LifeInsuranceL#LivingBenefitsM#MoneyTipsR#RetirementPlanning"
TikTok Link @ken_serna 2025-10-13T03:28Z 54.8K followers, 1197 engagements

"Wondering if an annuity is right for you 🤔 It all depends on your goals: protection income or growth. Ill break down when it makes sense (and when it doesnt). 💬 Comment FIA for more info. #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-07T22:22Z 54.8K followers, XXX engagements

"🚨🚨 WARNING 🚨🚨 Some people may not be happy Im breaking this down. But the IUL is beginning to get a bad reputation for a couple reasons: X. How they are being sold ✍ X. How they are being structured 📝 A regular Max Funded IUL can pay an agent $3000 commission 💰 Obviously this already poses an issue because some agents will sell it just because of the commission EVEN if its not right for them 😡 However that same IUL BADLY STRUCTURED would pay the agent $13500 🤯. So in the event the IUL is RIGHT 👍 for the client and the agent can sell a policy and make $3k or sell a policy and make"
TikTok Link @ken_serna 2025-06-24T16:31Z 54.8K followers, 44.3K engagements

"⚖ BEST ANNUITIES 📈 These are the main factors to consider when getting an annuity. Surrender period is the first one. Having a surrender period isnt bad you just want one that matches when you want to pull it out as well as gives you some access for emergencies if possible. Indexing strategies are a big one as well. Some have low caps or low participation rates. Not all FIAs are created equally. Fees are big with variable annuities and some indexed annuities. Again not all annuities are made the same. There are many FIAs that have X fees. Yes you heard that X fees Lastly is the income"
TikTok Link @ken_serna 2023-06-27T19:31Z 54.8K followers, 2529 engagements

"DM Waterfall to learn about setting up your family bank 🏦 This is something that used to be reserved for the ultra wealthy AKA The Rockefellers 💸 But with two simple tools ⚒ anyone can set this up for themselves: X. A Trust X. Life Insurance There are different types of life insurance you can use so you want to learn the different types to find the right one for yourself #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"
TikTok Link @ken_serna 2025-10-10T22:43Z 54.8K followers, XXX engagements