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@ken_serna Ken Serna

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

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Social Influence

Social category influence finance XX% celebrities XXXX%

Social topic influence retirement #543, fia #114, money 12.73%, if you 10.91%, insurance #783, life insurance #70, what is 7.27%, db #176, caps 3.64%, history XXXX%

Top accounts mentioned or mentioned by @kenrphil @ken

Top assets mentioned PRIMERICA, INC. (PRI)

Top Social Posts

Top posts by engagements in the last XX hours

"🚨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 2025-08-11T22:48Z 55.9K followers, 2804 engagements

"🔥 🏦 WALL STREET IS LATE YOU CAN DO THIS NOW 🏦 🔥 CNBC says guaranteed income might be coming to 401(k)s in 2026 📰 But you dont have to wait You can already create guaranteed retirement income today💰🔒 💬 Comment FIA and Ill show you exactly what your guaranteed retirement income could look like 📲 #I#IULL#LifeInsuranceL#LivingBenefitsA#AnnuityFIA"
TikTok Link 2025-12-10T21:55Z 55.9K followers, 3151 engagements

"Comment below FIA to learn about the product that Shaq said everyone should learn about 📲 An annuity is a contract with a life insurance company 📄 With that contract comes higher interest rates 📈 guarantees 🙏 and lifetime income stream in retirement 💸 👵 Comment below FIA to learn for yourself 📲 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k"
TikTok Link 2025-06-18T20:32Z 55.9K followers, 2892 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 2025-08-12T22:25Z 55.9K followers, 1040 engagements

"💸 FIA - Fixed Index Annuity 📊 📝 There are X ways interest is credited inside of FIAs: X. Floor & Cap 🛡 X. Participation Rate 📈 X. Spread Rate 💰 If the market performs then you get a percentage of that index 👍 If the market does negative then you dont get any interest credited that year but you DONT lose 🙅♂ Comment or DM FIA to look into rolling over your old 401(k) or IRAs today 📲"
TikTok Link 2025-11-04T21:10Z 55.9K followers, 3210 engagements

"Save this reel and comment FIA below to start your Indexed Annuity today 📲 There are two things commonly recommended against with your old 401(k) 🧩 X Leaving it with your old employer X Rolling it over to your NEW employer Once you roll it over to your NEW employer you cant move it again until you leave that job 📈 Your two best options is rolling it into an IRA or FIA based on your risk tolerance time horizon and goals 👍 Comment FIA below if you are interested in setting your Index Annuity today 📲 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-06T00:23Z 55.9K followers, 3483 engagements

"💫4 Reasons Why People Dont Use Annuities 📊 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-07T01:19Z 55.9K followers, 2490 engagements

"WHAT IS AN FIA 📊 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-16T04:23Z 55.9K followers, 109.6K engagements

"💸 $250000 ROLL-OVER TO FIA - FIXED INDEXED ANNUITY 📊 📲 Comment FIA to learn more about if one is right for you 👍 If one or all of the following are important to you then an FIA might be right for you: 📝 👉 Principle Protection 🛡 👉 Index-Linked Interest 📈 👉 Probate Avoidance 🏠📜 👉 Guaranteed Income in Retirmeent - For Life 💸 ##IUL##LifeInsurance##LivingBenefits##Annuity##FIA"
TikTok Link 2025-11-17T01:08Z 55.9K followers, 3593 engagements

"🏀 Shaquille ONeal openly uses annuities to protect his wealth and create lifetime income 💸 Wealthy individuals love FIAs because they: ✔ Lock in market growth ✔ Protect against losses ✔ Guarantee income for life You dont need millions to use the same strategy 👍 📲 Comment FIA to learn how to structure your own #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-17T21:44Z 55.9K followers, 1795 engagements

"Winning the lottery wont make you rich 💰 Keeping it will 🤑 A properly structured IUL protects your money grows it tax-free and turns it into income for LIFE 🏦 📲 Comment IUL and Ill break down the strategy #I#IULL#LifeInsuranceL#LivingBenefitsA#AnnuityFIA"
TikTok Link 2025-11-19T17:28Z 55.9K followers, 1336 engagements

"📊 Accumulation Value vs Surrender Value in an IUL 🏦 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-25T17:17Z 55.9K followers, 1530 engagements

"If youve ever wondered how a Fixed Indexed Annuity actually work this is the simplest BREAKDOWN youll see. 👉 Zero market losses 🛡 👉 Upside growth 📊 👉 Lifetime retirement income 💰 If you want to see how an FIA could work for your old 401(k) or IRA comment FIA or DM me 📲 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-30T22:50Z 55.9K followers, XXX engagements

"Leaving your job Heres what to do with your old 401(k). 👇 The two most popular option are: X Roll it into an IRA X Roll it into a Fixed Indexed Annuity (FIA) In this video I break down why so many people choose the FIA: ✔ Protection from market losses ✔ Upside growth when the market goes up ✔ No taxes on roll over and tax-deferred growth ✔ No more hidden 401(k) fees ✔ Guaranteed lifetime income options Most people dont even realize they can protect their retirement money from losses and still grow it Comment FIA and Ill show you exactly how a rollover works. 🔒📈 #401krollover #FIA"
TikTok Link 2025-12-06T00:52Z 55.9K followers, 371.9K 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 2025-03-18T00:55Z 55.9K followers, 4644 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 2025-06-26T16:34Z 55.9K followers, 9253 engagements

"📊 MAX FUNDING $500/MO 🚀 In this example we are illustrating 📝 $500/mo XX male non smoker min DB of $124k Hypothetical % of XXX% Increasing DB These values are not guaranteed. Your interest rate fluctuates each year based on a market index 📈 These interest rates are however based on current caps using previous XX year market history 📊 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-12-13T23:31Z 55.9K 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 2024-02-15T02:00Z 55.9K followers, 21.5K engagements

"TOP IUL CARRIERS 🏦 📊 Comment or DM IUL to get more information 📲 This is one of the most common questions I get every week 🙋♂ And as I always say the most important part is not the COMPANY but how its STRUCTURED 👏 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-05-20T19:59Z 55.9K followers, 3392 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 2025-06-23T01:02Z 55.9K followers, 45.9K 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 2025-06-24T16:31Z 55.9K followers, 60.8K 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 💸 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-10-16T22:19Z 55.9K followers, 7272 engagements

"📊 $100000 IUL LUMP-SUM 🏦 I see many agents telling clients lump sum $100000 upfront and not telling them what required afterwards 😵 Its no surprise the 1st scenario would pay an agent $14000 more commission than the second scenario 🤷♂ Which scenario do you think most agents are going to tell their clients 🤦♂ Even though the 2nd scenario is 1000x better than the 1st and even pays back out $800000 in retirement TAX-FREE 👏 💰 ##IUL##LifeInsurance##LivingBenefits##Annuity##FIA"
TikTok Link 2025-10-21T23:08Z 55.9K followers, 5378 engagements

"Comment or DM license below to get your license today 💪 📜Life Insurance License vs College Degree 👨🎓 Im not saying that getting a college degree is not valuable but look at some of these stats: X. About XX% of recent college graduates work jobs that do not require a degree 🙅♂ X. Over the last XX years college tuition has increased nearly XXX% 📊 X. The number is six-figure jobs that dont require a college degree has grown by XX% since 2019 📈 X. The average college graduate takes about XX years to pay off student loans 😱 On the other hand an insurance license costs around $XXX and takes"
TikTok Link 2025-10-25T06:14Z 55.9K followers, 4790 engagements

"☔ GOT PRIMERICA LIFE INSURANCE 📄 I come across many companies all the time. This is based on my personal experience. There are two aspects that most Primerica clients dont know about their term policy: X. Their policy expiration (20/20/30 yrs) X. Their monthly payment goes up If you went a review of your policy send me a DM or comment REVIEW below ##IUL##LifeInsurance##LivingBenefits##Annuity##FIA"
TikTok Link 2025-10-28T20:29Z 55.9K followers, 1.2M engagements

"📊 X Accounts To Consider To Build Retirement Savings 💸 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-02T06:47Z 55.9K followers, 1367 engagements

"💸 The X Reasons To Roll Your 401(k) Into An FIA 📊 Comment or DM FIA to look into protecting your retirement today 📲 X. Principle protection 🛡💰 X. Bypass probate ⚖🚫🏛 X. Lower fees 🪙⚙ X. Guaranteed income for life 🔁💵 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-02T20:51Z 55.9K followers, 6739 engagements

"🟡 What is an Annuity - Here is a 90-second breakdown 📝 Comment or DM FIA for more information 📲 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-11-05T23:36Z 55.9K followers, 16.9K engagements

"Its never too late The best time to start YESTERDAY Second best time to start NOW 👏 #Retirement #Investing #Vanguard #CompoundInterest #Annuity"
TikTok Link 2025-11-24T00:16Z 55.9K followers, 17.1K engagements

"📉 HOW FIAs PROTECT YOUR MONEY FROM MARKET LOSS 📉 When the market drops MOST retirement accounts drop with it. But a Fixed Indexed Annuity (FIA) works differently. ✨ COMMENT FIA and Ill show you how this applies to your situation #annuities #fia #fixedindexedannuity #retirementplanning #marketcorrection"
TikTok Link 2025-12-05T23:48Z 55.9K followers, XXX engagements

"🔥 X UNEXPECTED REASONS TO JOIN THE LIFE INSURANCE INDUSTRY (OUTSIDE OF MONEY) Everyone talks about the income and the flexible schedule but here are X BONUS benefits nobody really mentions 👇 X Personal Development This industry forces you to grow. You become more confident disciplined and emotionally stronger. X Sales Skills Sales is the 🔝 life skill. It helps you communicate better influence better and win in every area of life. X Get Out Of Your Comfort Zone You learn to face challenges head on. The growth you gain here carries into every part of your life. If youve been thinking about"
TikTok Link 2025-12-09T22:42Z 55.9K followers, XXX engagements

"🔥 THE TRUTH ABOUT SOCIAL SECURITY 🔥 Most people still dont realize how serious this is: 📉 Social Securitys trust fund is projected to run short by 20332034 📉 The average monthly benefit today is only $1705 thats $20460/yr 📉 Meanwhile the average retiree household spends $52000/yr just to live 📉 Adjusted for inflation Social Security replaces only XX% of your income If the money taken out of your paycheck for Social Security had been invested privately your retirement could be in the millions exactly what the Congressman in my video is exposing. If you're in your 30s 40s 50s this is the"
TikTok Link 2025-12-11T04:07Z 55.9K followers, 5261 engagements

"#duet with @Ken Serna 🔥 WHAT TO DO WITH AN OLD 401(k) 🔥 DM FIA for a breakdown of your best option 👉 1Cash it out ❌ Usually the worst choice Taxes + penalties + losing future growth X Roll it into your new employers plan Keeps everything in one place Depends on whether the new plan allows rollovers 3Roll it into an IRA Best choices to where to invest High potential for returns in the market. Also risk of loss. X Roll it into an FIA (Fixed Indexed Annuity) Ability to protect your money from market losses Potential to create guaranteed income for life #retirement #401krollover #annuities"
TikTok Link 2025-12-11T21:21Z 55.9K followers, XXX engagements

"5 Red Flags to Watch When Buying Life Insurance 🚩 🚩🚩 Life insurance is one of the most important decisions you will make in your life 📝 Make sure that you make the right one 👌 If not you may end up buying something that is not what you and your family needs 🤦♂ #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"
TikTok Link 2025-12-12T01:35Z 55.9K followers, XXX engagements

"TERM vs PERMANENT 🛡 One is designed for temporary protection the other for long-term planning 👍 Theres no better only what fits your situation 👏 Comment LIFE if you want help choosing the right one 📲 #lifeinsurance #terminsurance #permanentlife #financialeducation #wealthprotection"
TikTok Link 2025-12-12T20:15Z 55.9K followers, 5959 engagements

"DM or comment IUL to get started today 🏦 This example shows a XX year old male putting away $2k a month into a Max Funded IUL for XX years 💪 It is structured to Maximize the Cash Value and Reduce the Death Benefit 🚨 This is NOT GUARANTEED** Its assuming a XXXX% average interest rate in that time frame. Although it is not guaranteed it is based on the last XX years history of this specific index allocation 📈 Assuming those numbers that would come out to $676k in cash value at XX years old. At which point he could trigger an income stream of $48k annually tax free 💸 If he lives for 25"
TikTok Link 2025-12-12T22:07Z 55.9K followers, XXX engagements

"💰 STRUCTURE OVER COMMISSION 💰 Comment IUL 👇 Most people dont realize this A properly structured IUL is designed to: ➡ build MORE cash value ➡ give YOU more access and flexibility sooner ➡ and often pay the agent LESS commission Thats intentional 👌 When an IUL is built for maximum death benefit the agent gets paid more. When its built for maximum cash value the client wins 📊 Design matters more than the product itself. 👉 Comment IUL if you want to understand how your policy is actually structured #iul #lifeinsurance #financialeducation #wealthbuilding #insurance"
TikTok Link 2025-12-13T22:42Z 55.9K followers, XXX engagements

"Comment or DM IUL for more info 📲 🏦 One of the benefits of an lUL is that the income that you can pull out in retirement is not only higher than the average X% rule touted by a financial advisors (closer to 7%) but depending on the carrier it can be GUARANTEED for life 👏 📝 Thats because the IUL does not have to lower your risk in the later years to avoid against loss therefore lowering the amount you can pull out 📊 Because the inherent nature of the IUL you cant have a negative rate of return in any year so you are never risking your retirement money in your older years 💪 #IUL"
TikTok Link 2025-12-15T00:37Z 55.9K followers, 5582 engagements