#  @kciis KCIIS Retirement Advisors KCIIS Retirement Advisors posts on YouTube about retirement, what is, financial, shorts the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/youtube::UCSFUXebBya2Su2cv0AiowdA/interactions)  - [--] Week [-----] -26% - [--] Month [------] -44% - [--] Months [-------] +76% - [--] Year [-------] +445% ### Mentions: [--] [#](/creator/youtube::UCSFUXebBya2Su2cv0AiowdA/posts_active)  - [--] Months [--] +28% - [--] Year [---] +390% ### Followers: [------] [#](/creator/youtube::UCSFUXebBya2Su2cv0AiowdA/followers)  - [--] Week [------] +0.72% - [--] Month [------] +2.20% - [--] Months [------] +15% - [--] Year [------] +39% ### CreatorRank: [---------] [#](/creator/youtube::UCSFUXebBya2Su2cv0AiowdA/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [automotive brands](/list/automotive-brands) **Social topic influence** [retirement](/topic/retirement) #969, [what is](/topic/what-is), [financial](/topic/financial), [shorts](/topic/shorts), [what are](/topic/what-are) #1995, [pros](/topic/pros), [money](/topic/money), [investment](/topic/investment), [social security](/topic/social-security), [tax bracket](/topic/tax-bracket) **Top accounts mentioned or mentioned by** [@retiringoptionscom](/creator/undefined) [@ucsfuxebbya2su2cv0aiowda](/creator/undefined) [@retirementadvisorsisfromwebapp1senderdevicepc](/creator/undefined) [@retirementadv](/creator/undefined) ### Top Social Posts Top posts by engagements in the last [--] hours "SCAM or SMART Fixed Index Annuities MUST-KNOW Pros & Cons Have you heard to "STAY AWAY from Fixed-Indexed Annuities" Especially since they are too complicated and have too many fees In today's video were laying it all on the table. NO sugarcoating it. First we will discuss the5 HUGE DISADVANTAGES before discussing the advantages. Most annuity salespeople like to focus mainly on the advantages but BARELY touch on the disadvantages. Stay tuned at the end of the video because we will also discuss how to compare ALL types of annuities AND their income riders. ===================================" [YouTube Link](https://youtube.com/watch?v=OZEIZQ-A5HA) 2024-03-03T22:00Z 27.8K followers, 65.4K engagements "90% of Annuity Buyers Make This Mistake in Retirement Age vs. Time Value of Money A viewer named David asked When is the best time to buy an annuity Right now the CD rates are high and the market is doing well. Also whats the best age & how much should I put in These questions like David's will be part of our "What the FAQ & Mistakes series" Frequently Asked Questions & Mistakes series. Have you heard its too early to buy an annuity or wait and grow your money in the market first What is the best age to buy an annuity and which type Which age is best for purchasing a hybrid pension We hope" [YouTube Link](https://youtube.com/watch?v=aGAcPKedZWc) 2024-05-18T16:00Z 27.8K followers, 40.4K engagements "Why THIS one is better 👍 (Pt. 2) -CLICK ABOVE FOR FULL VIDEO What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18" [YouTube Link](https://youtube.com/watch?v=Dn8jl9vsb3E) 2024-05-21T00:00Z 27.8K followers, [---] engagements "What REALLY is an Annuity (Which One is Good or Bad) Have you heard annuities are BAD and that you LOCK up your money Have you heard Dave Ramsey Fisher Investments or your current advisor say to run away because theyre too complicated or to stay away since they have high fees huge commissions or surrender charges Are you unsure what an annuity is Curious about how it works If so we will clarify how THERE ARE some truths to those statements but where those statements are not completely transparent. OUR MISSION: Our goal is to teach you the following: No fee vs. Fee type Annuities Fees vs." [YouTube Link](https://youtube.com/watch?v=8ke5GA7Py20) 2022-09-25T13:00Z 27.8K followers, 212.7K engagements "How Much You Actually Need to Retire Comfortably ($20K$30K/Month) Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to" [YouTube Link](https://youtube.com/watch?v=fzmvoE0Hztg) 2025-10-04T12:01Z 27.8K followers, [----] engagements "Annuities EXPLAINED: Why People HATE Them (When & Why They Actually Work) Call us to learn more about annuities ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ What is an annuity & how does it work In this Annuities explained video we will discuss why many well-known advisors like Dave Ramsey Suze Orman and Ken Fisher have been very vocal about why they hate annuities and why they don't work for retirement planning. Despite the negativity annuities have hit all-time highs reaching over $1.1 trillion dollars. Why the spike in" [YouTube Link](https://youtube.com/watch?v=kCRMcqTedig) 2026-02-14T22:00Z 27.8K followers, [---] engagements "👺 Hybrid Pensions Are Scam Annuities #shorts Retirement is harder than everand early retirement feels out of reach. But what if there was a strategy offering 10% to 20% contractual payouts that most people have never even heard of In this video we dive into the truth about Hybrid Pensionsa little-known income solution used quietly by high-net-worth individuals to simplify retirement planning. 🔍 Youll learn: ✅ What a Hybrid Pension really is (and what its not) ✅ Who these payouts are best suited for ✅ How theyre taxed and what that means for your retirement income ✅ Why traditional advisors" [YouTube Link](https://youtube.com/watch?v=SFPu5pAVysg) 2025-06-18T21:41Z 27.8K followers, [----] engagements "The Secret to 10%-20% Annuity Payouts Staging & Laddering Strategies Has no one ever told you how to retire or retire early with 10%-20% annuity payouts Learn from this video TWO powerful strategies called Staging and Laddering OUT which will help boost your retirement income while ensuring financial security. Well break down the essential concepts of annuities including how to choose the right type for your needs and how to effectively implement a laddering strategy to create a sustainable income stream. The combination of Staging and Laddering OUT is typically never taught by financial" [YouTube Link](https://youtube.com/watch?v=hXtJYjt5tE8) 2024-09-07T12:00Z 27.8K followers, 18.9K engagements "What Is An Annuity & How Does It Work (Scam or Smart) Confused about annuities & how they REALLY work This video uses a comparison chart to clarify common annuity myths and show you which of the five annuity types might be the best for you. We address contradictions about guaranteed income principal protection and fees to help you make informed retirement planning decisions. Learn about fixed annuity options vs variable annuity types and more Are you confused Not knowing the types of annuities is what leads people to think annuities are too complex or that they will eventually feel taken" [YouTube Link](https://youtube.com/watch?v=8-dL0gR7gaw) 2024-04-28T21:00Z 27.8K followers, 23K engagements "THE Strategy No One Talks About to Lower RMD Taxes More Than Roth Conversions Most retirees dont realize how huge Required Minimum Distributions (RMDs) can get. Learn how to reduce RMD taxes protect your IRA and use smarter retirement strategies than relying only on Roth conversions. And the worst part Traditional advice like just do a Roth conversion or wait as long as possible solves only a fraction of the problem. In this video we show you how your RMDs could be a huge problem and a better solution to lower your RMDs and your taxes. You'll learn of our supercharged Accelerated RMD 5-Bucket" [YouTube Link](https://youtube.com/watch?v=LpPMfgJQtaQ) 2025-12-06T13:00Z 27.8K followers, 32.8K engagements "Ultimate Guide to The BEST Annuity [--] Income Riders Explained Are you being pitched THIS is the BEST annuity This one is especially offering a huge 20%-30% bonus with lifetime guaranteed income Are you being told your lifetime income will double & that your annuity will cover long-term care Does all this sound too good to be true Also stay tuned to the end of the video where we will show you the Golden Formula the secret to comparing ALL the annuities without spending hours or days doing so. This way you will be confident to know which annuity will provide you with the best lifetime income for" [YouTube Link](https://youtube.com/watch?v=n7FkzgQtP8g) 2024-02-11T20:00Z 27.8K followers, 48.1K engagements "What Does an Annuity REALLY Payout What Online Calculators Miss Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ If youre proud of what youve built but worried about market crashes longevity or whether your income will actually last this video is for you. In this video Kai & Ann break down the [--] biggest problems with online annuity calculators including the single biggest mistake nearly every calculator advisor and agent makes when showing annuity payouts. Well show you" [YouTube Link](https://youtube.com/watch?v=-V0aL_RUWJQ) 2026-01-24T13:00Z 27.8K followers, [----] engagements "Don't Let Social Security Taxes Surprise You during Retirement #taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social" [YouTube Link](https://youtube.com/watch?v=2UqyMny3TB8) 2026-01-22T20:00Z 27.8K followers, [----] engagements "5 Annuity Regrets You Must Avoid (Bettys Costly Mistake) This video is one of many to come that will show you the mistakes people make when buying an annuity. Any agent will claim that the annuity theyre selling is the one they would personally buy. However what works for them may not suit your needs making their recommendation irrelevant. Watch this video to learn how to avoid making the same mistakes in buying an annuity and what steps you should take before buying one. After watching this video please let us know what experiences good or bad you have heard of in the comments below." [YouTube Link](https://youtube.com/watch?v=2luzGJPaZL8) 2024-06-08T13:00Z 27.7K followers, 12.9K engagements "How $120000 of Retirement Income Can Stay in the 10% Bracket Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=3LeHH88LyjY) 2026-01-25T17:00Z 27.8K followers, [----] engagements "RMD Mistakes: [--] Secrets to Lower RMDs & Taxes in Retirement Retirement income planning taxes & Roth conversions can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill" [YouTube Link](https://youtube.com/watch?v=3r3QW37qBSw) 2025-06-28T04:16Z 27.7K followers, 43.9K engagements "Numbers Don't Lie: You Lost $400k With This Annuity (MYGA vs. Hybrid Pension) Its just BAD math Even with high interest rates starting with CDs or MYGA annuities first instead of a Hybrid Pension could cost $145300-$440000 in retirement. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal" [YouTube Link](https://youtube.com/watch?v=4W7axw8FnKI) 2025-08-23T10:00Z 27.7K followers, [----] engagements "New Tax Law New Rules - [--] Things You Can Do to Adapt Now (Roth IRA RMD Senior $6000 Deductions) 📜 Trumps Big Beautiful Bill is now lawand its a whopping [---] pages long. Dont worry you dont have to read it. Weve broken it down into two key areas you actually need to know: income deductions and [--] smart strategies to protect your retirement. 💡 In this video we go beyond the basics. While others cover the surface we dive deeper into five actionable strategies that can help you save serious moneyespecially over the next four years. ✅ Well cover Roth conversions (with advanced tactics you likely" [YouTube Link](https://youtube.com/watch?v=6GVqzskuN-0) 2025-07-19T06:38Z 27.6K followers, 17K engagements "Fixed Indexed Annuity Variable (How Do They Work) Have you heard to "STAY AWAY from Fixed-Indexed Annuities" Especially since they are too complicated and have too many fees In today's video were laying it all on the table. NO sugarcoating it. First we will discuss the [--] HUGE DISADVANTAGES before discussing the advantages. Most annuity salespeople like to focus mainly on the advantages but BARELY touch on the disadvantages. Stay tuned at the end of the video because we will also discuss how to compare ALL types of annuities AND their income riders" [YouTube Link](https://youtube.com/watch?v=82xajS5JALw) 2024-04-13T22:00Z 27.5K followers, [----] engagements "Recover Your Tax Hit With THIS Roth IRA Conversion Strategy To learn more about our Supercharged Roth IRA Conversion Strategy call us at ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Roth IRA conversions can be a powerful way to reduce taxes later in retirement. But for most people the real hesitation isnt the Roth itself its the huge tax hit upfront especially when larger conversions are involved. Thats why we hear this question all the time: How do I make up for the tax bill when I do a Roth conversion In this video we" [YouTube Link](https://youtube.com/watch?v=ALP-VXr8LEs) 2026-02-07T13:00Z 27.8K followers, [----] engagements "What If My Annuity Goes Bankrupt "What If My Annuity or Hybrid Pension Goes Bankrupt" This is a major concern that MANY of our viewers recently asked regarding Hybrid Pensions and annuities. In today's video we will discuss seven major issues that can cause an institution to go bankrupt and how that relates to insurance companies. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18" [YouTube Link](https://youtube.com/watch?v=Cks1Ttw5xEM) 2023-09-17T21:00Z 27.7K followers, 14.3K engagements "High Annuity Payouts Can Hide a Permanent Lock-In Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity lateror secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and show why" [YouTube Link](https://youtube.com/watch?v=CyNREaaTmoA) 2026-02-02T19:00Z 27.8K followers, [----] engagements "How to Recession-Proof Your Retirement 401(k) vs Hybrid Pensions 🚩This is Part [--] 401(k) vs. Pension Hybrid) of a FIVE-PART SERIES (Other [--] Parts See Below) How to Recession-Proof Your Finances and Income Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be RECESSION-PROOF Would you like to learn about a Hybrid Pension where you combine the concept of a Traditional Pension and your current savings or 401(k) Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be" [YouTube Link](https://youtube.com/watch?v=D84YQWi1SWA) 2022-08-27T16:00Z 27.5K followers, 15.7K engagements "97% of Annuity Buyers Keep Making THIS Mistake Ages [--] [--] [--] Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity later or secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and" [YouTube Link](https://youtube.com/watch?v=EGVYzn6wY5w) 2026-01-31T07:31Z 27.8K followers, [---] engagements "Dave Ramsey Is Wrong (What Is a Fixed Index Annuity) Dave Ramsey we thought we could trust you Usually we like his advice but his video on Fixed Index Annuity is just.WRONG In this video we are going to discuss the following: Is what Dave Ramsey says true or are they outright lies What is this "floor" that Dave Ramsey talks about What is a Fixed "Index" Annuity and exactly how does it work How much are the fees and commissions Should you consider Annuities or as Dave Ramsey says "Run" 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health" [YouTube Link](https://youtube.com/watch?v=Kl5j_t0ssi4) 2023-07-21T00:00Z 27.8K followers, 30.7K engagements "Long-Term Care is Not Worth It.Except These [--] Hybrids Did you know 70% of us will need this But some still wonder "Do I REALLY NEED long-term care Is long-term care worth it Can I self-insure What does long-term care cover & how does it work" This long-term care [---] video will explain the [--] myths behind long-term care and why some like Dave Ramsey feel it's not worth it. You will also learn of [--] hybrid options that might be a better option for you and never buy long-term care Your Retirement Advisors (18 Years) Kai & Ann Chung & Gracie (Our Retirement Puppy) NO COST & NO FEE CALL US" [YouTube Link](https://youtube.com/watch?v=Q-t4EQ6Mh-8) 2023-01-21T01:45Z 27.7K followers, 45.5K engagements "😬 [--] Things People Wished They Knew Before Buying An Annuity This video is one of many to come that will show you the mistakes people make when buying an annuity. Any agent will claim that the annuity theyre selling is the one they would personally buy. However what works for them may not suit your needs making their recommendation irrelevant. Watch this video to learn how to avoid making the same mistakes in buying an annuity and what steps you should take before buying one. After watching this video please let us know what experiences good or bad you have heard of in the comments below." [YouTube Link](https://youtube.com/watch?v=VOaLP_7611o) 2024-06-11T00:00Z 27.6K followers, [----] engagements "3 Bucket Strategy: You're Focusing on the WRONG Bucket Retire Early 🚩Part [--] [--] Buckets Strategy (Other [--] series below) "How to RECESSION-PROOF Your FINANCES & INCOME" How do you know which video to watch on the [--] Buckets Strategy The reason we feel this is THE BEST on the [--] Bucket Strategy is that this is the ONLY way to 100% Recession-Proof your income in writing. We hope you enjoy this fully animated and educational video Whether you are retired or not would you like to replace [--] to 100% of your salary that you had through work Replacing it with GUARANTEED income for life IN WRITING" [YouTube Link](https://youtube.com/watch?v=ZqGLNX77IZE) 2022-09-17T13:00Z 27.7K followers, 12.1K engagements "Your Roth Was Meant to Be Spent Not Left Behind #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=hkDrfIlxOZQ) 2026-01-26T19:00Z 27.8K followers, [----] engagements "What is a MYGA Annuity (Is this the BEST) CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors" [YouTube Link](https://youtube.com/watch?v=uvX9Fa-EBNk) 2024-05-04T17:00Z 27.7K followers, [----] engagements "❌ Do NOT TRUST What These Agents Say About the New Annuities #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=-4xrvawAidg) 2025-02-19T20:26Z 20.3K followers, [---] engagements "Will Congress Save Social Security 🏛 #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you protect your retirement" [YouTube Link](https://youtube.com/watch?v=-50AwJIsFd0) 2025-09-10T19:00Z 24.5K followers, [----] engagements "😨 Why Retirees say "THIS is the most CONFUSING investment" #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=0IQvpbz1OoE) 2025-02-13T00:00Z 19.9K followers, [--] engagements "🩸 The IRA Mistake That Can Bleed You Dry in Retirement #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot [--] Shift" [YouTube Link](https://youtube.com/watch?v=2n-W7gkcKuQ) 2025-09-04T19:00Z 24.4K followers, [----] engagements "Greed Costs Retirees Millions Are You Next 💰😨 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=2nMD-uxFlrw) 2025-06-02T18:00Z 21.9K followers, [---] engagements "⚡ Flexible Withdrawals + Guaranteed Growth Retirement Game Changer #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its" [YouTube Link](https://youtube.com/watch?v=34X8tI76JTA) 2025-09-07T16:00Z 24.4K followers, [---] engagements "🔒 Protect Your Retirement from the [----] Social Security Cuts #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you" [YouTube Link](https://youtube.com/watch?v=3eIDKhDR_2g) 2025-09-08T18:00Z 24.5K followers, [----] engagements "Why is Medicare SO Confusing (New Video at [--] PM PST) This video will go into [--] things you must know before signing up or changing your Medicare Part D Drug plan for [----]. Also stay tuned to the end of the video where we will teach you the best way to shop for your Medicare Part D drug plan. We will touch on some of the Part D changes for [----] & [----] but watch our other video where we will discuss the [--] HUGE changes for Medicare Part D in [----] AND [----]. 🎥 [--] HUGE CHANGES You Need to Know [----] Medicare Part D 🔗 LINKS https://retiringoptions.com/part-d-co. 📖 CHAPTER TITLES: 00:00 It's SO" [YouTube Link](https://youtube.com/watch?v=4xoVNYOOMu0) 2023-09-10T16:52Z [----] followers, [--] engagements "🚨 Why This Safe IRA Strategy Could Be a Retirement TRAP #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot 2" [YouTube Link](https://youtube.com/watch?v=4zz3pNbZKqM) 2025-09-05T18:00Z 24.4K followers, [---] engagements "🛑 "THIS" reason to RUN AWAY is NOT TRUE 🤥 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch" [YouTube Link](https://youtube.com/watch?v=6VQlDY0w4ro) 2025-02-12T00:16Z 19.9K followers, [---] engagements "#1 Retirement Mistake: Why "Buy & Hold" FAILS Your Recession We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=7gzy8_8Z1TA) 2025-05-06T18:45Z 21.5K followers, [--] engagements "It WILL Be TOO LATE.if You Miss THIS Packet #Medicare [----] "Bombarded Overwhelmed There's so much mail" Yes that's how people feel during Medicare's Open Enrollment. Well this video will help you know theres only ONE packet to pay attention to and how this packet applies not to just ONE open enrollment but to the upcoming TWO Medicare Open Enrollments for [----] 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your" [YouTube Link](https://youtube.com/watch?v=7hhaKKIrRq4) 2023-10-01T21:19Z [----] followers, [----] engagements "🤔 Best Dental for Seniors on Medicare -Worth Buying or Pay Cash This video will discuss who is best to buy dental insurance and who should just pay cash. We will also discuss the difference between Medicare plans with dental HMO vs. PPOs and what types of dental plans are trash and which ones are worth it. We also reveal a PPO dental plan that has NO YEARLY CAP or MAXIMUM. Say goodbye to the $1000 or $1500 max coverage per year Call us with any questions or if you would like to compare your plan. 👉 VIDEO Misleading Medicare Ads (Including Dental) https://youtu.be/HIYOLQ0QwBI OUR CHANNEL" [YouTube Link](https://youtube.com/watch?v=7zioGbFDmUs) 2023-10-26T08:41Z [----] followers, 18.2K engagements "❌ Dont Just Leave a Legacy Live Your Legacy with a Hybrid Pension #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont*" [YouTube Link](https://youtube.com/watch?v=826_V_hoxQE) 2025-09-02T20:00Z 24.4K followers, [----] engagements "AVOID the 4% Rule The $1.8 Million Trap (New Video👇) #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to" [YouTube Link](https://youtube.com/watch?v=82x4avZE6ic) 2025-04-11T18:00Z 21.1K followers, [----] engagements "Do You REALLY Need an Annuity (Is There a BETTER Investment for Retirement) Are you considering your retirement and wondering "Do I really need an annuity & Is NOW really the best time" or "Is an annuity even a good investment" If so this video will answer both questions and compare annuities to investment planning. Leave a comment with any questions ======================================= 🎦 Related Videos 👇Click 🔗 Links 👇 90% of Annuity Buyers Make This Mistake in Retirement https://youtu.be/aGAcPKedZWcsi=K7FCLvoRWL6zIxIJ What Happens If My Annuity Goes Bankrupt (FAQ Series)" [YouTube Link](https://youtube.com/watch?v=B9HvSEXQb_c) 2024-05-25T01:51Z 21.3K followers, [----] engagements "AVOID the 4% Rule The $1.8 Million Trap & What You REALLY Need 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to be a" [YouTube Link](https://youtube.com/watch?v=F9sc80ccVT0) 2025-04-12T12:00Z 21.9K followers, [----] engagements "Did you choose the WRONG annuity from the start #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=FQJEm7ePmV8) 2025-03-04T21:00Z 20.4K followers, [---] engagements "Medicare 2026: Why Your Plan Is Dropping or Doubling in Cost What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are dropping out" [YouTube Link](https://youtube.com/watch?v=GMTFA1Fx660) 2025-10-14T22:31Z 27.8K followers, [----] engagements "😨 Why Your 401(k) Is NOT Safe for Retirement #1 Trap #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you protect" [YouTube Link](https://youtube.com/watch?v=GlIRVS7tHtY) 2025-09-11T19:00Z 24.5K followers, [---] engagements "😨 You'll Lose $400000 With THIS Annuity (Retirement Mistakes) #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in 2007" [YouTube Link](https://youtube.com/watch?v=HVWOv2nRNhs) 2025-08-31T12:00Z 24.3K followers, [----] engagements "The Good the Bad and the Ugly of Annuities (Hybrid Pensions) #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont*" [YouTube Link](https://youtube.com/watch?v=IS2bb_7n5yg) 2025-04-21T18:00Z 21.2K followers, [---] engagements "✋Should YOU Do a Roth Conversion Pro Tips 🔥 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help your money" [YouTube Link](https://youtube.com/watch?v=KRlrKqTd2Lk) 2025-07-03T00:04Z 22.5K followers, [---] engagements "You Dont Need $1M to RetireHeres Why 👀 #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to be a" [YouTube Link](https://youtube.com/watch?v=LEM7WonJ_8A) 2025-04-15T20:00Z 23.9K followers, [----] engagements "😳Slash Taxes with QCDs & RMDs in Your Retirement ❤ 🏆 #shorts Retirement income planning and taRetirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your" [YouTube Link](https://youtube.com/watch?v=LlmEhKO3q48) 2025-07-12T17:27Z 24.1K followers, [----] engagements "THIS Strategy Saves Retirement in Recessions💡 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=MoPxRVk1nDc) 2025-05-28T19:00Z 21.8K followers, [---] engagements "#1 Strategy to BEAT INFLATION: Laddering OUT & IN Annuities Explained Discover the #1 strategy for maximizing annuity income in retirement. Most ask "What is an annuity" but the real question should be "How do you maximize an annuity" In this video we compare SPIA DIA and Hybrid Pension annuities with CDs MYGAs and traditional market investments. You'll see the pros and cons of each option and how they measure up in the fight against inflation. Well also introduce a powerful strategy that most people have never heard: Laddering OUT vs. Laddering IN. Learn the key differences between these two" [YouTube Link](https://youtube.com/watch?v=NayE2Isfl7k) 2024-08-17T12:00Z 20.7K followers, [----] engagements "🤯❌ You'll Lose $400000 With THIS Annuity (Retirement Mistakes) #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in 2007" [YouTube Link](https://youtube.com/watch?v=Nb4_iswT7S4) 2025-08-25T19:00Z 24.2K followers, [---] engagements "💼 Pension vs. 401(k) Choose Guarantees NOT Guesswork in Retirement 🔐 #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work" [YouTube Link](https://youtube.com/watch?v=NdRu376i5Ow) 2025-04-18T18:00Z 21.2K followers, [----] engagements "Why the 4% Rule Is Failing Retirees Taxes & Strategies #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need" [YouTube Link](https://youtube.com/watch?v=Nz8W5CiUHzU) 2025-04-16T20:11Z 21.1K followers, [---] engagements "Retire Luxuriously with "Self-Made" Hybrid Pensions 💼🏝 #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need" [YouTube Link](https://youtube.com/watch?v=OSjYr8gRM0I) 2025-04-22T20:00Z 21.3K followers, [---] engagements "Why Annuities Lack Transparency (And How Annexus Fixed It) #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in" [YouTube Link](https://youtube.com/watch?v=RI9SNinDNbc) 2025-09-21T16:00Z 24.6K followers, [----] engagements "🫨 Wall Streets Shaky Heres a Pension Thats Not #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to be a" [YouTube Link](https://youtube.com/watch?v=R_U_pzfdEDQ) 2025-04-17T19:00Z 21.2K followers, [----] engagements "⚠"WAIT Annuities ARE BAD" (.Or Not 🤔) #shorts FULL VIDEO HERE: https://youtu.be/D84YQWi1SWA 🚩This is Part [--] 401(k) vs. Pension Hybrid) of a FIVE-PART SERIES (Other [--] Parts See Below) How to Recession-Proof Your Finances and Income Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be RECESSION-PROOF Would you like to learn about a Hybrid Pension where you combine the concept of a Traditional Pension and your current savings or 401(k) Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED" [YouTube Link](https://youtube.com/watch?v=SvtWH-DPC4o) 2023-03-11T22:55Z 23.7K followers, [---] engagements "🔓Unlock the 0% Tax Bracket + Roth Conversions in Retirement 💵💰 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill" [YouTube Link](https://youtube.com/watch?v=UBSQAKE0DdI) 2025-07-05T12:00Z 22.6K followers, [----] engagements "Why Waiting on a Hybrid Pension Could Cost You 20%+ Income 💸 #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when" [YouTube Link](https://youtube.com/watch?v=UeG2ISn6LBs) 2025-08-28T19:00Z 24.3K followers, [----] engagements "Dont Let RMDs Wreck What You Built 🏚 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help your money" [YouTube Link](https://youtube.com/watch?v=VBeffAf7mio) 2025-06-30T19:05Z 23.5K followers, [----] engagements "This Retirement Mistake CANT Be UNDONE #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=VKLZccN8Fzw) 2025-05-29T19:00Z 21.8K followers, [----] engagements "💢When You're FORCED to use YOUR 401K MONEY #shorts FULL VIDEO HERE: https://youtu.be/D84YQWi1SWA 🚩This is Part [--] 401(k) vs. Pension Hybrid) of a FIVE-PART SERIES (Other [--] Parts See Below) How to Recession-Proof Your Finances and Income Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be RECESSION-PROOF Would you like to learn about a Hybrid Pension where you combine the concept of a Traditional Pension and your current savings or 401(k) Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is" [YouTube Link](https://youtube.com/watch?v=VtbUUZCeroI) 2023-02-25T17:06Z 23.9K followers, [----] engagements "🧐 Are Annuities Really That Bad #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to retire early and maximize" [YouTube Link](https://youtube.com/watch?v=WJ2Ch-AL-vY) 2025-10-09T19:00Z 27.8K followers, [----] engagements "🙀 Advisors Keep Telling THIS Annuity LIE #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch" [YouTube Link](https://youtube.com/watch?v=X0ITsKVWCWY) 2025-02-25T21:53Z 24K followers, [---] engagements "📉 Compounding Risks: 4% Rule and 23% SSI Cuts for Retirees #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you" [YouTube Link](https://youtube.com/watch?v=XLVgrEQoPfI) 2025-09-12T18:00Z 24.5K followers, [---] engagements "Retirees Lose the Best Years Because of THIS 😢 #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when rates were" [YouTube Link](https://youtube.com/watch?v=XdEw8QOOMDA) 2025-08-27T19:00Z 24.3K followers, [----] engagements "Client SCAMMED By His OWN FRIEND 😭💔 #shorts What is a HYBRID PENSION and is it a scam Is it an "annuity" There are bad Hybrid Pensions out there and this video goes into how you might be scammed into the wrong Hybrid Pension. So in todays video we will discuss what a Hybrid Pension is & [--] ways to avoid being scammed. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years) Kai & Ann" [YouTube Link](https://youtube.com/watch?v=Yg78ij63aEw) 2023-06-29T00:58Z 24.7K followers, [----] engagements "This CEO Changed Retirement Annuities Forever #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in your" [YouTube Link](https://youtube.com/watch?v=Z3NB0MtrKkw) 2025-09-22T18:00Z 24.6K followers, [---] engagements "😦 Can your investment beat inflation while taking withdrawals #shorts Discover the #1 strategy for maximizing annuity income in retirement. Most ask "What is an annuity" but the real question should be "How do you maximize an annuity" In this video we compare SPIA DIA and Hybrid Pension annuities with CDs MYGAs and traditional market investments. You'll see the pros and cons of each option and how they measure up in the fight against inflation. Well also introduce a powerful strategy that most people have never heard: Laddering OUT vs. Laddering IN. Learn the key differences between these" [YouTube Link](https://youtube.com/watch?v=ZANS0ptZNqI) 2024-08-25T12:00Z 17K followers, [---] engagements "🤯Why Delaying Social Security = More Roth Conversions 🤑 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help" [YouTube Link](https://youtube.com/watch?v=ZyNMo4wckfQ) 2025-07-06T12:00Z 22.6K followers, [---] engagements "#4 Secret 🤫 Your Annuity Agent DOESN'T KNOW about (But you can) #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=_JJGnMfb83c) 2025-03-01T16:00Z 20.4K followers, [---] engagements "😟 Why you havent heard of THIS Retirement Strategy #shorts Retirement is harder than everand early retirement feels out of reach. But what if there was a strategy offering 10% to 20% contractual payouts that most people have never even heard of In this video we dive into the truth about Hybrid Pensionsa little-known income solution used quietly by high-net-worth individuals to simplify retirement planning. 🔍 Youll learn: ✅ What a Hybrid Pension really is (and what its not) ✅ Who these payouts are best suited for ✅ How theyre taxed and what that means for your retirement income ✅ Why" [YouTube Link](https://youtube.com/watch?v=ahtLcLLL6w0) 2025-06-16T18:00Z 22.1K followers, [----] engagements "Yeah. The Gov't TOOK Your $. Will you get it back (Here's proof) #shorts Do you think it's possible to replace your salary and retire with passive income without work risks or management fees YES it is This video will discuss the [--] different types of passive income ideas but there are only [--] that are guaranteed for life and will help you reach true financial freedom without any risk or management fees. Yes THIS is the video youve been waiting for. Who doesn't love the idea of making money while sitting back and relaxing So let's dive right in 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS" [YouTube Link](https://youtube.com/watch?v=b88thphflxA) 2023-09-05T01:00Z 17.1K followers, [---] engagements "📉 Social Security on the BRINK: What a 23% Cut Means for YOU #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you" [YouTube Link](https://youtube.com/watch?v=byqFHrcoyb4) 2025-09-09T20:00Z 24.5K followers, [----] engagements "😉👌Get the HIGHEST Social Security Income #shorts Check Out The FULL Video: 📢 2023: [--] Social Security CHANGES Affecting YOU & MEDICARE 🤯 https://youtu.be/oJicHNRG5cw Besides Social Security's increase (COLA) in [----] how will impact ALL the changes affect YOU & Medicare Social Security is always confusing or overwhelming. We used a lot of visual aids to simplify all you need to know about these [----] Social Security changes. This should provide clarity on what to do to prepare for these Social Security changes. Social Security benefits have gone UP in [----] by 8.7% That's awesome But the" [YouTube Link](https://youtube.com/watch?v=cZVUGnkTSG8) 2023-02-15T14:00Z 20.2K followers, [---] engagements "The happiest healthiest people in retirement are you one of them #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You" [YouTube Link](https://youtube.com/watch?v=d283NbJ1Gmw) 2025-04-20T12:01Z 21.2K followers, [----] engagements "🤩 How to Guarantee Your Legacy Even When Markets Fail 🔒 #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot 2" [YouTube Link](https://youtube.com/watch?v=d560jnsoans) 2025-09-06T15:01Z 24.4K followers, [----] engagements "You Can Reach THESE Returns On A Fixed Indexed Annuity #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity" [YouTube Link](https://youtube.com/watch?v=e2mc6IMoL-g) 2025-03-06T20:00Z 20.7K followers, [---] engagements "#3 Secret 🤐 Other Annuity Agents use to LIE about your income #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=ekwJ9qgAXEo) 2025-02-28T19:00Z 20.4K followers, [---] engagements "🧐 Why Do Advisors Push MYGAs So Hard #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when rates were high 📊 and" [YouTube Link](https://youtube.com/watch?v=f3XjQ0n9NjQ) 2025-08-26T20:00Z 24.2K followers, [----] engagements "✂😖 Why 'Cutting Back Spending' Won't Save Your Retirement #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you" [YouTube Link](https://youtube.com/watch?v=f7XHnj0RX2Q) 2025-09-13T15:01Z 24.5K followers, [----] engagements "4 LIES About The 4% Rule#shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to be a millionaire to retire" [YouTube Link](https://youtube.com/watch?v=fg51hcs4tr4) 2025-04-14T18:13Z 21.1K followers, [----] engagements "The Pyramid of Retirement: Why Guaranteed Income Must Be the Foundation 🏠 #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back" [YouTube Link](https://youtube.com/watch?v=gu07Hu0quI8) 2025-08-30T15:01Z 24.3K followers, [----] engagements "How Trumps Tariffs Could Impact Your Retirement 😨📊 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=hzXYkXnfFk8) 2025-05-27T18:57Z 21.8K followers, [----] engagements "🙈 #5 Secret Sneaky Annuity Agents Do To Cost You $$$ Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=jF64SCxzV30) 2025-03-02T17:00Z 20.3K followers, [---] engagements "Naughty Telugu Double Meaning Dialogue 😜 Naughty FM" [YouTube Link](https://youtube.com/watch?v=jqlZmh21gc0) 2025-08-23T14:03Z [----] followers, 4.1M engagements "🙈 SWERVE Medicare #shorts WATCH THE FULL VIDEO HERE https://youtu.be/WDvqwb4_s28 What is the best age to claim your Social Security Some say claim Social Security early at [--]. Others say to start when you turn [--] or wait until your Full Retirement Age or even max out Social Security at [--]. Unfortunately many times the Social Security calculators or advice given is wrong Even if you have already started your Social Security please forward this video to those who have not started it yet. That's why in todays video we are going to go against the most common suggestion: maximize your Social" [YouTube Link](https://youtube.com/watch?v=kAOCVHwH7_s) 2023-04-04T22:00Z 13.7K followers, [---] engagements "Which Medigap Supplement Plan is BEST For YOU Choosing the best Medicare Supplement Plan does not come down to just coverage. For example you could choose a Plan G but what if the rates go up so much that you can no longer afford it You might also be deciding between Medicare Supplement Plan F Plan G or Plan N. So which plan has the best OVERALL value This video will combine these [--] factors with helping you decide which plan is best for you: 1) Coverage 2) Rules of Changing 3) Rating Methodology (How Ins. Co. raises their rates). We hope you call us to get quotes and most importantly to have" [YouTube Link](https://youtube.com/watch?v=lQe59TsxKRg) 2023-01-29T00:28Z 24.5K followers, [----] engagements "Annuities Lock You In Annexus Changed That #short Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in your retirement" [YouTube Link](https://youtube.com/watch?v=mKswPaNyDag) 2025-09-24T19:00Z 24.8K followers, [---] engagements "😨Retirement LIE: The 4%-5% Rule **New Video👇** #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to be a" [YouTube Link](https://youtube.com/watch?v=mYC_Ost1dPU) 2025-04-13T16:01Z 21.1K followers, [----] engagements "🤔 You CANT Trust Proprietary Annuity Indexes (REALLY Why) #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=mljB-gsWo9k) 2025-02-22T16:00Z 20.3K followers, [---] engagements "😨 The 4% Rule Was NEVER Designed to Make Your Money Last #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to" [YouTube Link](https://youtube.com/watch?v=oJmg6IE1aI0) 2025-10-06T18:13Z 27.8K followers, [----] engagements "The IRS Hopes You Ignore This RMD Tax Rule 🕵♀💣 #shorts Retirement income planning and taRetirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut" [YouTube Link](https://youtube.com/watch?v=qFALHiqDwfw) 2025-07-14T19:23Z 23.5K followers, [----] engagements "Your 401(k) Isnt Enough Heres Whats Missing in Retirement Retirement is harder than everand early retirement feels out of reach. But what if there was a strategy offering 10% to 20% contractual payouts that most people have never even heard of In this video we dive into the truth about Hybrid Pensionsa little-known income solution used quietly by high-net-worth individuals to simplify retirement planning. 🔍 Youll learn: ✅ What a Hybrid Pension really is (and what its not) ✅ Who these payouts are best suited for ✅ How theyre taxed and what that means for your retirement income ✅ Why" [YouTube Link](https://youtube.com/watch?v=qWgauqx7NFc) 2025-06-14T00:02Z 22.3K followers, [----] engagements "Dont Be Fooled By THIS Hiding In Your Annuity Contract (KCIIS Golden Formula) Whats a fixed indexed annuity and how does the lifetime income rider work Are you confused with all the bonuses and roll-ups and not sure which one has the HIGHEST payout In this video we will discuss the Golden Formula which is our KCIIS secret in comparing all the companies without spending hours doing so ======================================= 🎦 RELATED VIDEOS Which Annuity is BEST for YOU (Annuities + Riders Explained) https://youtu.be/8-dL0gR7gaw HYBRID PENSION PLAYLIST" [YouTube Link](https://youtube.com/watch?v=qeSCmThm9K0) 2024-02-03T23:00Z 24.4K followers, [----] engagements "😰 #2 Secret Annuity Agents Will Use To MISLEAD You #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity" [YouTube Link](https://youtube.com/watch?v=qrINAE7I28E) 2025-02-27T20:00Z 20.4K followers, [----] engagements "Retirement RUINED by ONE Bad Decision 💸💔 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=rYsuod5P-VE) 2025-05-31T22:10Z 21.9K followers, [----] engagements "Drug Co. ✋🛑 from Robbing You Next Year #shorts This video will go into [--] things you must know before signing up or changing your Medicare Part D Drug plan for [----]. Also stay tuned to the end of the video where we will teach you the best way to shop for your Medicare Part D drug plan. We will touch on some of the Part D changes for [----] & [----] but watch our other video where we will discuss the [--] HUGE changes for Medicare Part D in [----] AND [----]. 🎥 [--] HUGE CHANGES You Need to Know [----] Medicare Part D 🔗 LINKS https://retiringoptions.com/part-d-comparison-tool/" [YouTube Link](https://youtube.com/watch?v=rmKYGCWsLhk) 2023-09-15T01:00Z 17.1K followers, [---] engagements "The Market MYTH Thats Fooling Retirees 📉 (DONT FALL FOR IT) We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)" [YouTube Link](https://youtube.com/watch?v=uTXOVu6FUcM) 2025-06-01T22:41Z 21.9K followers, [----] engagements "Annuities' FINE PRINT: [--] Secrets You NEED To Know Tired of complicated annuity illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=vA17uzieko4) 2025-02-07T13:50Z 25.1K followers, 11.9K engagements "😰 Can Your Annuity or Hybrid Pension Go Bankrupt #shorts **🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You** Many Americans believe they need **$1.8 million** to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular **4% rule** is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how **10%20% payout plans** can actually work You *dont* need to be" [YouTube Link](https://youtube.com/watch?v=vGTArCsGcdc) 2025-04-19T12:01Z 23.7K followers, [----] engagements "🤯 Can THESE Indexes REALLY Make You Money💰 (Fixed Indexed Annuity) #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the" [YouTube Link](https://youtube.com/watch?v=vdmseP2hNhk) 2025-02-24T22:16Z 20.3K followers, [---] engagements "😨 Why Retirees say "THIS is the most CONFUSING investment" #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=x6yUupxBAps) 2025-03-05T20:00Z 20.4K followers, [---] engagements "✅ The Smart Way to Secure a Retirement Salary for Life #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when rates" [YouTube Link](https://youtube.com/watch?v=xBFkUtYREK8) 2025-08-29T18:01Z 24.3K followers, [---] engagements "The #1 Consumer Complaint About Annuities (And How We Fixed It) #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful" [YouTube Link](https://youtube.com/watch?v=xxz8txxEybc) 2025-09-23T20:00Z 24.6K followers, [---] engagements "I was betrayed by my financial advisor 😤😡 #shorts What is a HYBRID PENSION and is it a scam Is it an "annuity" There are bad Hybrid Pensions out there and this video goes into how you might be scammed into the wrong Hybrid Pension. So in todays video we will discuss what a Hybrid Pension is & [--] ways to avoid being scammed. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years) Kai" [YouTube Link](https://youtube.com/watch?v=-3ae-NZEEVs) 2023-06-28T00:58Z 27.5K followers, [---] engagements "What You Should Know About Fixed Indexed Annuities (CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your" [YouTube Link](https://youtube.com/watch?v=-GqfySPT6Q0) 2024-05-15T20:00Z 25.6K followers, [---] engagements "🦷 Is DENTAL Insurance WORTH IT #shorts Full video-CLICK HERE https://youtu.be/7zioGbFDmUs This video will discuss who is best to buy dental insurance and who should just pay cash. We will also discuss the difference between Medicare plans with dental HMO vs. PPOs and what types of dental plans are trash and which ones are worth it. We also reveal a PPO dental plan that has NO YEARLY CAP or MAXIMUM. Say goodbye to the $1000 or $1500 max coverage per year Call us with any questions or if you would like to compare your plan. 👉 VIDEO Misleading Medicare Ads (Including Dental)" [YouTube Link](https://youtube.com/watch?v=-JPkTkXrDuM) 2023-02-09T16:45Z 25.6K followers, [----] engagements "Do THIS to Avoid the 10% Penalty With Roth Conversions #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the" [YouTube Link](https://youtube.com/watch?v=-xGIINovKX4) 2025-12-30T21:00Z 27.8K followers, [----] engagements "Why Thousands of Retirees Still Choose Medigap (Supplement vs. Advantage) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She" [YouTube Link](https://youtube.com/watch?v=0n5Vpoih6tY) 2025-11-19T20:00Z 27.8K followers, [----] engagements "😱 Someone said "BEST" Annuity RUN AWAY NOW (New Video) Are you being pitched THIS is the BEST annuity This one is especially offering a huge 20%-30% bonus with lifetime guaranteed income Are you being told your lifetime income will double & that your annuity will cover long-term care Does all this sound too good to be true Also stay tuned to the end of the video where we will show you the Golden Formula the secret to comparing all the annuities without spending hours or days doing so. This way you will be confident to know which annuity will provide you with the best lifetime income for the" [YouTube Link](https://youtube.com/watch?v=4-WsIFCsvRc) 2024-02-09T20:46Z 25.2K followers, [---] engagements "The IRA Strategy Most Regret Not Knowing.(IRA/Retirement Mistake) #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats" [YouTube Link](https://youtube.com/watch?v=4U57yNbhQJc) 2025-12-14T17:00Z 27.8K followers, [----] engagements "🤔 Dont Let RMDs Spike Your Retirement Taxes 💣💵 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help your" [YouTube Link](https://youtube.com/watch?v=68R-2H3ONFI) 2025-07-01T20:58Z 26.3K followers, [----] engagements "#1 Secret BOTH Advisors & Annuity Agents Are Hiding 🤫💼💰 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5" [YouTube Link](https://youtube.com/watch?v=6ixrBzmcwPo) 2025-02-26T20:42Z 20.2K followers, [---] engagements "🤑 MORE 💲 MONEY 💲At Your FRA #shorts Check Out The FULL Video: 📢 2023: [--] Social Security CHANGES Affecting YOU & MEDICARE 🤯 https://youtu.be/oJicHNRG5cw Besides Social Security's increase (COLA) in [----] how will impact ALL the changes affect YOU & Medicare Social Security is always confusing or overwhelming. We used a lot of visual aids to simplify all you need to know about these [----] Social Security changes. This should provide clarity on what to do to prepare for these Social Security changes. Social Security benefits have gone UP in [----] by 8.7% That's awesome But the problem is so is" [YouTube Link](https://youtube.com/watch?v=8a2eaagOktk) 2023-02-14T23:00Z 25.2K followers, [---] engagements "😨 The IRA Strategy Most People NEVER Hear. #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden IRS trap" [YouTube Link](https://youtube.com/watch?v=9GLvbcUch7A) 2025-12-11T20:00Z 27.8K followers, [----] engagements "How Much Should You REALLY Put Into an Annuity A viewer named David asked When is the best time to buy an annuity Right now the CD rates are high and the market is doing well. Also whats the best age & how much should I put in These questions like David's will be part of our "What the FAQ & Mistakes series" Frequently Asked Questions & Mistakes series. Have you heard its too early to buy an annuity or wait and grow your money in the market first What is the best age to buy an annuity and which type Which age is best for purchasing a hybrid pension We hope you enjoy this video and look forward" [YouTube Link](https://youtube.com/watch?v=9Xv-5MGjTuY) 2024-05-31T00:00Z 25.6K followers, [---] engagements "2 Huge Retirement Risks (4% Rule CAN'T Fix This) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS" [YouTube Link](https://youtube.com/watch?v=9d_R57s-J3M) 2026-01-02T19:00Z 27.8K followers, [----] engagements "❓✋"Are the NEW Indexes RELIABLE"🤔 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch Before" [YouTube Link](https://youtube.com/watch?v=AJH3m__XBMc) 2025-02-23T17:00Z 20.2K followers, [---] engagements "😬The BIG Contradiction with financial advisors #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=AN9FzL3wJ80) 2025-02-15T16:00Z 20K followers, [---] engagements "DONT Buy an ANNUITY What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years) Kai & Ann Chung & Gracie (Our" [YouTube Link](https://youtube.com/watch?v=BKexbYkcDhM) 2024-06-25T00:00Z 25.5K followers, [----] engagements "🧐Which Annuity is Right For YOU (CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18" [YouTube Link](https://youtube.com/watch?v=C94wReRIq4s) 2024-05-13T20:00Z 25.2K followers, [---] engagements "Youd Run Out of Money Before Retirement Heres Why #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS" [YouTube Link](https://youtube.com/watch?v=DpXo5Pk9NnM) 2026-01-05T19:00Z 27.8K followers, [----] engagements "Think Roth Conversions Have a 5-Year Rule After [----] Thats the Mistake Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont" [YouTube Link](https://youtube.com/watch?v=Dyb_CweS-zI) 2025-12-20T13:00Z 27.8K followers, 49K engagements "Retirement Was Supposed to Feel Easier Than This #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=ER3dQf_fUlw) 2026-01-24T05:21Z 27.8K followers, [----] engagements "🚨 Your Medicare Plan Might Disappear in [----] Dont Miss This Letter #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are" [YouTube Link](https://youtube.com/watch?v=EqtrQ-SxXZQ) 2025-10-26T16:00Z 27.8K followers, [----] engagements "The TWO Roth 5-Year Rules (Almost Everyone Gets These Wrong) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize" [YouTube Link](https://youtube.com/watch?v=FHssrwuWCWk) 2025-12-28T13:00Z 27.8K followers, [----] engagements "The Strategy That Turns Retirement Savings Into 20%+ Guaranteed Income #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights" [YouTube Link](https://youtube.com/watch?v=I9Jj9QzrVPY) 2025-10-23T19:00Z 27.8K followers, [---] engagements "Plan G vs Plan N: One Could Save You Hundreds #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She states that she would NEVER buy" [YouTube Link](https://youtube.com/watch?v=IgH2ORJPo1s) 2025-11-21T19:00Z 27.8K followers, [---] engagements "🔓 How to Unlock 10%20% Retirement Payouts (Without Taking More Risk) Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to" [YouTube Link](https://youtube.com/watch?v=LRwZVUBew0k) 2025-10-22T19:00Z 27.8K followers, [---] engagements "😱You NEED to Know This BEFORE Buying an Annuity Are you being pitched you need an annuity and are wondering "Do I really need an annuity & Is NOW really the best time If so this video will answer both questions and compare annuities to investment planning. Leave a comment with any questions #annuity #hybridpension #guaranteedincome #lifetimeincome #KCIIS" [YouTube Link](https://youtube.com/watch?v=M93GDODKo3w) 2024-06-05T00:00Z 25.2K followers, [---] engagements "⚠ BAD Annuity Companies Are BAITING You 🤬 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch" [YouTube Link](https://youtube.com/watch?v=MbmPz9D5P7s) 2025-02-21T19:00Z 20.2K followers, [---] engagements "😰 THIS $0 Medicare Plan Could Cost You THOUSANDS Later (Advantage vs. Medigap Supplement) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare" [YouTube Link](https://youtube.com/watch?v=Nkq3uTe0sXA) 2025-11-18T21:00Z 27.8K followers, [----] engagements "🧐 Are Income Rider Fees on FIAs Really That Bad #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=P1NNAddrk7U) 2025-02-20T23:05Z 20.1K followers, [---] engagements "🧐 Is Medigap Still the Smarter Choice in [----] (Supplement vs. Advantage) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She" [YouTube Link](https://youtube.com/watch?v=PbYN1xJ5wyQ) 2025-11-20T20:00Z 27.8K followers, [----] engagements "🛠 Is Your Retirement a Trophy or a Tool #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to retire early and" [YouTube Link](https://youtube.com/watch?v=PsQvz7UrIzg) 2025-10-21T20:00Z 27.8K followers, [----] engagements "2 Proven HYBRID Legacy Strategies Youre Missing for RMDs (Smarter than Roth Conversions) Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the" [YouTube Link](https://youtube.com/watch?v=RHpSVwkPRo8) 2025-08-07T01:26Z 25.4K followers, [----] engagements "The 4% Rule Sounds Safe Until You Actually Retire #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=ROCUSPqIh_0) 2026-01-20T21:00Z 27.8K followers, [----] engagements "😱WHAT These annuities have NO surrender fees #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=RpACck216Bc) 2025-02-14T19:00Z 24.1K followers, [---] engagements "😱 88% of THESE plans are dropping out of Medicare #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are dropping out" [YouTube Link](https://youtube.com/watch?v=SOOkVLLGBos) 2025-10-25T15:00Z 27.8K followers, [----] engagements "📉 The Silent Risk That Could Derail Your Retirement Income 🚨 #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how" [YouTube Link](https://youtube.com/watch?v=TDBJxfYHl4M) 2025-10-07T20:00Z 27.8K followers, [----] engagements "Social Securitys 23% Cut Is REAL What Retirees Must Do Now 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you protect your" [YouTube Link](https://youtube.com/watch?v=UMqwKlb-jXY) 2025-07-25T16:01Z 25.2K followers, [----] engagements "⚠ Avoid Roth Rule Confusion: Taxes Penalties & the 5-Year Rules #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont" [YouTube Link](https://youtube.com/watch?v=V3twVr_HpfE) 2025-12-23T21:00Z 27.8K followers, [---] engagements "How to Understand Annuitys Confusing MESS #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch" [YouTube Link](https://youtube.com/watch?v=Vg-sz4snK-o) 2025-02-14T00:00Z 20K followers, [---] engagements "Can You REALLY Trust Annuities (Feat. Annexus CEO Ron Shurts) Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many people believe that annuities are misleading as they often play games with participation rates lack transparency and are overly complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle" [YouTube Link](https://youtube.com/watch?v=WEpZYPfJd-M) 2025-09-17T15:56Z 27.4K followers, [----] engagements "Contradiction #2: Are Annuities LIQUID #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch" [YouTube Link](https://youtube.com/watch?v=WwkudQYGXFk) 2025-02-17T20:42Z 23.9K followers, [---] engagements "😱 Your RMDs Can Get This BIG What #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden IRS trap millions are" [YouTube Link](https://youtube.com/watch?v=XicvdkTdYWQ) 2025-12-09T19:00Z 25.9K followers, [---] engagements "We Missed an Important Roth IRA Conversion Rule Heres the Correction In our last video we discussed Roth IRA withdrawal rules but we didnt explain an important nuance clearly enough. That lack of clarity is on us and we appreciate our viewers for calling it out. In this video we correct the record and breifly explain: The two different 5-year rules for Roth IRAs How withdrawals work under age [--] vs. over age [--] Why the first-dollar 5-year rule matters if youve never owned a Roth IRA When a non-qualified brokerage account may provide more flexibility and when Roth should come first We are" [YouTube Link](https://youtube.com/watch?v=Z9HMis_58ZY) 2025-12-17T17:15Z 27.8K followers, [----] engagements "⚠ Wait ✋ Why Are These Annuities with NO FEE #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=ZYVdbl5z1KA) 2025-02-18T21:00Z 20.1K followers, [---] engagements "The Medicare Traps No One Warned You About And What You Can Do About It #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans" [YouTube Link](https://youtube.com/watch?v=aWENQYORhw0) 2025-10-28T20:00Z 27.8K followers, [----] engagements "😲 A Guaranteed Lifetime Paycheck Most Retirees Have NEVER Heard This #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement." [YouTube Link](https://youtube.com/watch?v=aWJgX1UTSXk) 2025-12-13T02:03Z 27.8K followers, [----] engagements "✋ How to Avoid Being Fooled (New annuity video: 02/03/24) Are you shopping around for a fixed indexed annuity getting confused with all the bonuses and roll-ups and not sure which one has the best payout In this video we will discuss the Golden Formula which is our KCIIS secret in comparing all the companies without spending hours doing so 🎦 RELATED VIDEOS Which Annuity is BEST for YOU (Annuities + Riders Explained) HYBRID PENSION PLAYLIST https://youtube.com/playlistlist=PLhy55v5WCqkBbebnWQrfWGdLMhOA1geXM&si=-yxHeDKb2LmNxKeZ ALL ANNUITY & FIXED INDEXED ANNUITY PLAYLIST" [YouTube Link](https://youtube.com/watch?v=bPHTgTFVHsQ) 2024-02-02T20:00Z 25.3K followers, [----] engagements "This RMD Mistake is Costing You Thousands & Missing Out #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden" [YouTube Link](https://youtube.com/watch?v=dP_a96ZkQGA) 2025-12-13T16:00Z 27.8K followers, [----] engagements "⚠ Medicare 2026: The One Switch Thousands Regret And Cant Undo #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are" [YouTube Link](https://youtube.com/watch?v=d_7tawThAhU) 2025-10-29T19:00Z 27.8K followers, [----] engagements "STEER CLEAR of These [--] Annuity Scams Watch Before Buying Hybrid Pensions What is a HYBRID PENSION and is it a scam Is it an "annuity" There are bad Hybrid Pensions out there and this video goes into how you might be scammed into the wrong Hybrid Pension. So in todays video we will discuss what a Hybrid Pension is & [--] ways to avoid being scammed. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement" [YouTube Link](https://youtube.com/watch?v=eXgcR6YP7ik) 2023-06-01T23:00Z 25.3K followers, 18.2K engagements "😱 NO WAY Retire with 10%-20% Annuity PayoutsHOW (Staging and Laddering) #shorts Has no one ever told you how to retire or retire early with 10%-20% annuity payouts Learn from this video TWO powerful strategies called Staging and Laddering OUT which will help boost your retirement income while ensuring financial security. Well break down the essential concepts of annuities including how to choose the right type for your needs and how to effectively implement a laddering strategy to create a sustainable income stream. The combination of Staging and Laddering OUT is typically never taught by" [YouTube Link](https://youtube.com/watch?v=fXPVYJY73K4) 2024-09-26T00:00Z 25.2K followers, [---] engagements "#1 Secret Annuity Agents Use To TRICK You 👿 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams" [YouTube Link](https://youtube.com/watch?v=fx4L9vSzknE) 2025-03-03T19:05Z 25.8K followers, [----] engagements "5-Steps to Find the BEST Annuity or Hybrid Pension Many of our clients have come to us after a frustrating and confusing search for the best annuity. There are endless terminologies contradictions and misleading agents that can make you want to pull your hair out If this sounds familiar to you or you know somebody in a similar situation then join Ann and me in our newest video. We explain step-by-step how to find the best annuity for you and how to avoid being taken advantage of. Here is the link to download the 5-Step Chart: 👇" [YouTube Link](https://youtube.com/watch?v=gJO6BOGVPu8) 2024-07-13T13:00Z 25.6K followers, [----] engagements "🤕 This ONE Annuity Myth Could Be Costing Your Retirement #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to" [YouTube Link](https://youtube.com/watch?v=inKuzQ8i4Bc) 2025-10-08T19:00Z 27.8K followers, [----] engagements "🤔 Roth IRA Explained: The Strictest Rules (3 Layers Explained) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont" [YouTube Link](https://youtube.com/watch?v=kruPoPJS-Ws) 2025-12-28T00:00Z 27.8K followers, [----] engagements "💸 Medicare Advantage vs Medigap Supplement: The Quick Truth (Most People Pick Wrong) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage" [YouTube Link](https://youtube.com/watch?v=kzoxVYB8EuE) 2025-11-13T23:44Z 27.8K followers, [----] engagements "🙅♂ Dont Buy the WRONG Annuity (Heres Which Type Works) #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in" [YouTube Link](https://youtube.com/watch?v=mKQFzRB7gyw) 2025-09-20T15:01Z 25.5K followers, [---] engagements "What is a SPIA/DIA Annuity (CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years)" [YouTube Link](https://youtube.com/watch?v=mKnxx3fA9ck) 2024-05-01T20:10Z 25.9K followers, [---] engagements "😱 RMDs SKYROCKET Your Taxes #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden IRS trap millions are headed" [YouTube Link](https://youtube.com/watch?v=oGJXcZI5VZ4) 2025-12-10T17:44Z 27.8K followers, [----] engagements "✋ Stop Overpaying for Medicare (Medicare Advantage vs Medigap Supplement) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She" [YouTube Link](https://youtube.com/watch?v=sQZGoZ3QreE) 2025-11-17T19:00Z 27.8K followers, [---] engagements "😰 The 4% Rule Is DEAD Heres the 10%+ Retirement Strategy #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to" [YouTube Link](https://youtube.com/watch?v=uH5sl2QpCo4) 2025-10-20T18:00Z 27.8K followers, [----] engagements "💸 Why RMDs Drain Savings Faster Than You Think #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot [--] Shift into" [YouTube Link](https://youtube.com/watch?v=uc9trZdmyJw) 2025-09-03T19:00Z 27.4K followers, [---] engagements "Your Retirement Plan Missed THIS About Taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs 401(k)s" [YouTube Link](https://youtube.com/watch?v=vqGBMZvNfEg) 2026-01-21T20:00Z 27.8K followers, [----] engagements "😲 A Guaranteed Lifetime Paycheck Most Retirees Have NEVER Heard This #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement." [YouTube Link](https://youtube.com/watch?v=wlQjNFaKz3I) 2025-12-12T19:00Z 26K followers, [---] engagements "3 TRUE Passive Incomes to Guaranteed Income FOR LIFE Do you think it's possible to replace your salary and retire with passive income without work risks or management fees YES it is This video will discuss the [--] different types of passive income ideas but there are only [--] that are guaranteed for life that will help you reach true financial freedom without any risk or management fees. Yes THIS is the video youve been waiting for. Who doesn't love the idea of making money while sitting back and relaxing So let's dive right in 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help" [YouTube Link](https://youtube.com/watch?v=x6Fe4G2Q44Q) 2023-08-11T00:00Z 27.1K followers, [----] engagements "The Roth Timing Rule Behind Penalty-Free Retirement Income #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize" [YouTube Link](https://youtube.com/watch?v=xeFs9ntxUpk) 2026-01-01T20:00Z 27.8K followers, [----] engagements "Over [--] The Roth 5-Year Rule Is NOT What You Think #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS" [YouTube Link](https://youtube.com/watch?v=yKwxnqfoBWQ) 2025-12-31T20:00Z 27.8K followers, [----] engagements "Keep Taxes Shockingly Low With THIS Retirement Withdrawal Strategy (Social Security Roth IRAs) Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax" [YouTube Link](https://youtube.com/watch?v=yr3YZZhAmLk) 2026-01-17T13:01Z 27.8K followers, [----] engagements "Annuities EXPLAINED: Why People HATE Them (When & Why They Actually Work) Call us to learn more about annuities ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ What is an annuity & how does it work In this Annuities explained video we will discuss why many well-known advisors like Dave Ramsey Suze Orman and Ken Fisher have been very vocal about why they hate annuities and why they don't work for retirement planning. Despite the negativity annuities have hit all-time highs reaching over $1.1 trillion dollars. Why the spike in" [YouTube Link](https://youtube.com/watch?v=kCRMcqTedig) 2026-02-14T22:00Z 27.8K followers, [---] engagements "Recover Your Tax Hit With THIS Roth IRA Conversion Strategy To learn more about our Supercharged Roth IRA Conversion Strategy call us at ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Roth IRA conversions can be a powerful way to reduce taxes later in retirement. But for most people the real hesitation isnt the Roth itself its the huge tax hit upfront especially when larger conversions are involved. Thats why we hear this question all the time: How do I make up for the tax bill when I do a Roth conversion In this video we" [YouTube Link](https://youtube.com/watch?v=ALP-VXr8LEs) 2026-02-07T13:00Z 27.8K followers, [----] engagements "High Annuity Payouts Can Hide a Permanent Lock-In Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity lateror secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and show why" [YouTube Link](https://youtube.com/watch?v=CyNREaaTmoA) 2026-02-02T19:00Z 27.8K followers, [----] engagements "The Big Problem With Online Annuity Calculators Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity lateror secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and show why income" [YouTube Link](https://youtube.com/watch?v=oU8VXsqJ1Q4) 2026-01-31T16:05Z 27.8K followers, [---] engagements "97% of Annuity Buyers Keep Making THIS Mistake Ages [--] [--] [--] Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity later or secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and" [YouTube Link](https://youtube.com/watch?v=EGVYzn6wY5w) 2026-01-31T07:31Z 27.8K followers, [---] engagements "Your Roth Was Meant to Be Spent Not Left Behind #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=hkDrfIlxOZQ) 2026-01-26T19:00Z 27.8K followers, [----] engagements "How $120000 of Retirement Income Can Stay in the 10% Bracket Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=3LeHH88LyjY) 2026-01-25T17:00Z 27.8K followers, [----] engagements "What Does an Annuity REALLY Payout What Online Calculators Miss Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ If youre proud of what youve built but worried about market crashes longevity or whether your income will actually last this video is for you. In this video Kai & Ann break down the [--] biggest problems with online annuity calculators including the single biggest mistake nearly every calculator advisor and agent makes when showing annuity payouts. Well show you" [YouTube Link](https://youtube.com/watch?v=-V0aL_RUWJQ) 2026-01-24T13:00Z 27.8K followers, [----] engagements "Retirement Was Supposed to Feel Easier Than This #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=ER3dQf_fUlw) 2026-01-24T05:21Z 27.8K followers, [----] engagements "Don't Let Social Security Taxes Surprise You during Retirement #taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social" [YouTube Link](https://youtube.com/watch?v=2UqyMny3TB8) 2026-01-22T20:00Z 27.8K followers, [----] engagements "Your Retirement Plan Missed THIS About Taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs 401(k)s" [YouTube Link](https://youtube.com/watch?v=vqGBMZvNfEg) 2026-01-21T20:00Z 27.8K followers, [----] engagements "The 4% Rule Sounds Safe Until You Actually Retire #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs" [YouTube Link](https://youtube.com/watch?v=ROCUSPqIh_0) 2026-01-20T21:00Z 27.8K followers, [----] engagements "Keep Taxes Shockingly Low With THIS Retirement Withdrawal Strategy (Social Security Roth IRAs) Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax" [YouTube Link](https://youtube.com/watch?v=yr3YZZhAmLk) 2026-01-17T13:01Z 27.8K followers, [----] engagements "Youd Run Out of Money Before Retirement Heres Why #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS" [YouTube Link](https://youtube.com/watch?v=DpXo5Pk9NnM) 2026-01-05T19:00Z 27.8K followers, [----] engagements "2 Huge Retirement Risks (4% Rule CAN'T Fix This) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS" [YouTube Link](https://youtube.com/watch?v=9d_R57s-J3M) 2026-01-02T19:00Z 27.8K followers, [----] engagements "The Roth Timing Rule Behind Penalty-Free Retirement Income #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize" [YouTube Link](https://youtube.com/watch?v=xeFs9ntxUpk) 2026-01-01T20:00Z 27.8K followers, [----] engagements "Over [--] The Roth 5-Year Rule Is NOT What You Think #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS" [YouTube Link](https://youtube.com/watch?v=yKwxnqfoBWQ) 2025-12-31T20:00Z 27.8K followers, [----] engagements "Do THIS to Avoid the 10% Penalty With Roth Conversions #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the" [YouTube Link](https://youtube.com/watch?v=-xGIINovKX4) 2025-12-30T21:00Z 27.8K followers, [----] engagements "The TWO Roth 5-Year Rules (Almost Everyone Gets These Wrong) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize" [YouTube Link](https://youtube.com/watch?v=FHssrwuWCWk) 2025-12-28T13:00Z 27.8K followers, [----] engagements "🤔 Roth IRA Explained: The Strictest Rules (3 Layers Explained) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont" [YouTube Link](https://youtube.com/watch?v=kruPoPJS-Ws) 2025-12-28T00:00Z 27.8K followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@kciis KCIIS Retirement Advisors
KCIIS Retirement Advisors posts on YouTube about retirement, what is, financial, shorts the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
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- [--] Week [-----] -26%
- [--] Month [------] -44%
- [--] Months [-------] +76%
- [--] Year [-------] +445%
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- [--] Months [--] +28%
- [--] Year [---] +390%
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- [--] Week [------] +0.72%
- [--] Month [------] +2.20%
- [--] Months [------] +15%
- [--] Year [------] +39%
CreatorRank: [---------] #
Social Influence
Social category influence finance automotive brands
Social topic influence retirement #969, what is, financial, shorts, what are #1995, pros, money, investment, social security, tax bracket
Top accounts mentioned or mentioned by @retiringoptionscom @ucsfuxebbya2su2cv0aiowda @retirementadvisorsisfromwebapp1senderdevicepc @retirementadv
Top Social Posts
Top posts by engagements in the last [--] hours
"SCAM or SMART Fixed Index Annuities MUST-KNOW Pros & Cons Have you heard to "STAY AWAY from Fixed-Indexed Annuities" Especially since they are too complicated and have too many fees In today's video were laying it all on the table. NO sugarcoating it. First we will discuss the5 HUGE DISADVANTAGES before discussing the advantages. Most annuity salespeople like to focus mainly on the advantages but BARELY touch on the disadvantages. Stay tuned at the end of the video because we will also discuss how to compare ALL types of annuities AND their income riders. ==================================="
YouTube Link 2024-03-03T22:00Z 27.8K followers, 65.4K engagements
"90% of Annuity Buyers Make This Mistake in Retirement Age vs. Time Value of Money A viewer named David asked When is the best time to buy an annuity Right now the CD rates are high and the market is doing well. Also whats the best age & how much should I put in These questions like David's will be part of our "What the FAQ & Mistakes series" Frequently Asked Questions & Mistakes series. Have you heard its too early to buy an annuity or wait and grow your money in the market first What is the best age to buy an annuity and which type Which age is best for purchasing a hybrid pension We hope"
YouTube Link 2024-05-18T16:00Z 27.8K followers, 40.4K engagements
"Why THIS one is better 👍 (Pt. 2) -CLICK ABOVE FOR FULL VIDEO What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18"
YouTube Link 2024-05-21T00:00Z 27.8K followers, [---] engagements
"What REALLY is an Annuity (Which One is Good or Bad) Have you heard annuities are BAD and that you LOCK up your money Have you heard Dave Ramsey Fisher Investments or your current advisor say to run away because theyre too complicated or to stay away since they have high fees huge commissions or surrender charges Are you unsure what an annuity is Curious about how it works If so we will clarify how THERE ARE some truths to those statements but where those statements are not completely transparent. OUR MISSION: Our goal is to teach you the following: No fee vs. Fee type Annuities Fees vs."
YouTube Link 2022-09-25T13:00Z 27.8K followers, 212.7K engagements
"How Much You Actually Need to Retire Comfortably ($20K$30K/Month) Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to"
YouTube Link 2025-10-04T12:01Z 27.8K followers, [----] engagements
"Annuities EXPLAINED: Why People HATE Them (When & Why They Actually Work) Call us to learn more about annuities ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ What is an annuity & how does it work In this Annuities explained video we will discuss why many well-known advisors like Dave Ramsey Suze Orman and Ken Fisher have been very vocal about why they hate annuities and why they don't work for retirement planning. Despite the negativity annuities have hit all-time highs reaching over $1.1 trillion dollars. Why the spike in"
YouTube Link 2026-02-14T22:00Z 27.8K followers, [---] engagements
"👺 Hybrid Pensions Are Scam Annuities #shorts Retirement is harder than everand early retirement feels out of reach. But what if there was a strategy offering 10% to 20% contractual payouts that most people have never even heard of In this video we dive into the truth about Hybrid Pensionsa little-known income solution used quietly by high-net-worth individuals to simplify retirement planning. 🔍 Youll learn: ✅ What a Hybrid Pension really is (and what its not) ✅ Who these payouts are best suited for ✅ How theyre taxed and what that means for your retirement income ✅ Why traditional advisors"
YouTube Link 2025-06-18T21:41Z 27.8K followers, [----] engagements
"The Secret to 10%-20% Annuity Payouts Staging & Laddering Strategies Has no one ever told you how to retire or retire early with 10%-20% annuity payouts Learn from this video TWO powerful strategies called Staging and Laddering OUT which will help boost your retirement income while ensuring financial security. Well break down the essential concepts of annuities including how to choose the right type for your needs and how to effectively implement a laddering strategy to create a sustainable income stream. The combination of Staging and Laddering OUT is typically never taught by financial"
YouTube Link 2024-09-07T12:00Z 27.8K followers, 18.9K engagements
"What Is An Annuity & How Does It Work (Scam or Smart) Confused about annuities & how they REALLY work This video uses a comparison chart to clarify common annuity myths and show you which of the five annuity types might be the best for you. We address contradictions about guaranteed income principal protection and fees to help you make informed retirement planning decisions. Learn about fixed annuity options vs variable annuity types and more Are you confused Not knowing the types of annuities is what leads people to think annuities are too complex or that they will eventually feel taken"
YouTube Link 2024-04-28T21:00Z 27.8K followers, 23K engagements
"THE Strategy No One Talks About to Lower RMD Taxes More Than Roth Conversions Most retirees dont realize how huge Required Minimum Distributions (RMDs) can get. Learn how to reduce RMD taxes protect your IRA and use smarter retirement strategies than relying only on Roth conversions. And the worst part Traditional advice like just do a Roth conversion or wait as long as possible solves only a fraction of the problem. In this video we show you how your RMDs could be a huge problem and a better solution to lower your RMDs and your taxes. You'll learn of our supercharged Accelerated RMD 5-Bucket"
YouTube Link 2025-12-06T13:00Z 27.8K followers, 32.8K engagements
"Ultimate Guide to The BEST Annuity [--] Income Riders Explained Are you being pitched THIS is the BEST annuity This one is especially offering a huge 20%-30% bonus with lifetime guaranteed income Are you being told your lifetime income will double & that your annuity will cover long-term care Does all this sound too good to be true Also stay tuned to the end of the video where we will show you the Golden Formula the secret to comparing ALL the annuities without spending hours or days doing so. This way you will be confident to know which annuity will provide you with the best lifetime income for"
YouTube Link 2024-02-11T20:00Z 27.8K followers, 48.1K engagements
"What Does an Annuity REALLY Payout What Online Calculators Miss Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ If youre proud of what youve built but worried about market crashes longevity or whether your income will actually last this video is for you. In this video Kai & Ann break down the [--] biggest problems with online annuity calculators including the single biggest mistake nearly every calculator advisor and agent makes when showing annuity payouts. Well show you"
YouTube Link 2026-01-24T13:00Z 27.8K followers, [----] engagements
"Don't Let Social Security Taxes Surprise You during Retirement #taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social"
YouTube Link 2026-01-22T20:00Z 27.8K followers, [----] engagements
"5 Annuity Regrets You Must Avoid (Bettys Costly Mistake) This video is one of many to come that will show you the mistakes people make when buying an annuity. Any agent will claim that the annuity theyre selling is the one they would personally buy. However what works for them may not suit your needs making their recommendation irrelevant. Watch this video to learn how to avoid making the same mistakes in buying an annuity and what steps you should take before buying one. After watching this video please let us know what experiences good or bad you have heard of in the comments below."
YouTube Link 2024-06-08T13:00Z 27.7K followers, 12.9K engagements
"How $120000 of Retirement Income Can Stay in the 10% Bracket Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-25T17:00Z 27.8K followers, [----] engagements
"RMD Mistakes: [--] Secrets to Lower RMDs & Taxes in Retirement Retirement income planning taxes & Roth conversions can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill"
YouTube Link 2025-06-28T04:16Z 27.7K followers, 43.9K engagements
"Numbers Don't Lie: You Lost $400k With This Annuity (MYGA vs. Hybrid Pension) Its just BAD math Even with high interest rates starting with CDs or MYGA annuities first instead of a Hybrid Pension could cost $145300-$440000 in retirement. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal"
YouTube Link 2025-08-23T10:00Z 27.7K followers, [----] engagements
"New Tax Law New Rules - [--] Things You Can Do to Adapt Now (Roth IRA RMD Senior $6000 Deductions) 📜 Trumps Big Beautiful Bill is now lawand its a whopping [---] pages long. Dont worry you dont have to read it. Weve broken it down into two key areas you actually need to know: income deductions and [--] smart strategies to protect your retirement. 💡 In this video we go beyond the basics. While others cover the surface we dive deeper into five actionable strategies that can help you save serious moneyespecially over the next four years. ✅ Well cover Roth conversions (with advanced tactics you likely"
YouTube Link 2025-07-19T06:38Z 27.6K followers, 17K engagements
"Fixed Indexed Annuity Variable (How Do They Work) Have you heard to "STAY AWAY from Fixed-Indexed Annuities" Especially since they are too complicated and have too many fees In today's video were laying it all on the table. NO sugarcoating it. First we will discuss the [--] HUGE DISADVANTAGES before discussing the advantages. Most annuity salespeople like to focus mainly on the advantages but BARELY touch on the disadvantages. Stay tuned at the end of the video because we will also discuss how to compare ALL types of annuities AND their income riders"
YouTube Link 2024-04-13T22:00Z 27.5K followers, [----] engagements
"Recover Your Tax Hit With THIS Roth IRA Conversion Strategy To learn more about our Supercharged Roth IRA Conversion Strategy call us at ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Roth IRA conversions can be a powerful way to reduce taxes later in retirement. But for most people the real hesitation isnt the Roth itself its the huge tax hit upfront especially when larger conversions are involved. Thats why we hear this question all the time: How do I make up for the tax bill when I do a Roth conversion In this video we"
YouTube Link 2026-02-07T13:00Z 27.8K followers, [----] engagements
"What If My Annuity Goes Bankrupt "What If My Annuity or Hybrid Pension Goes Bankrupt" This is a major concern that MANY of our viewers recently asked regarding Hybrid Pensions and annuities. In today's video we will discuss seven major issues that can cause an institution to go bankrupt and how that relates to insurance companies. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18"
YouTube Link 2023-09-17T21:00Z 27.7K followers, 14.3K engagements
"High Annuity Payouts Can Hide a Permanent Lock-In Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity lateror secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and show why"
YouTube Link 2026-02-02T19:00Z 27.8K followers, [----] engagements
"How to Recession-Proof Your Retirement 401(k) vs Hybrid Pensions 🚩This is Part [--] 401(k) vs. Pension Hybrid) of a FIVE-PART SERIES (Other [--] Parts See Below) How to Recession-Proof Your Finances and Income Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be RECESSION-PROOF Would you like to learn about a Hybrid Pension where you combine the concept of a Traditional Pension and your current savings or 401(k) Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be"
YouTube Link 2022-08-27T16:00Z 27.5K followers, 15.7K engagements
"97% of Annuity Buyers Keep Making THIS Mistake Ages [--] [--] [--] Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity later or secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and"
YouTube Link 2026-01-31T07:31Z 27.8K followers, [---] engagements
"Dave Ramsey Is Wrong (What Is a Fixed Index Annuity) Dave Ramsey we thought we could trust you Usually we like his advice but his video on Fixed Index Annuity is just.WRONG In this video we are going to discuss the following: Is what Dave Ramsey says true or are they outright lies What is this "floor" that Dave Ramsey talks about What is a Fixed "Index" Annuity and exactly how does it work How much are the fees and commissions Should you consider Annuities or as Dave Ramsey says "Run" 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health"
YouTube Link 2023-07-21T00:00Z 27.8K followers, 30.7K engagements
"Long-Term Care is Not Worth It.Except These [--] Hybrids Did you know 70% of us will need this But some still wonder "Do I REALLY NEED long-term care Is long-term care worth it Can I self-insure What does long-term care cover & how does it work" This long-term care [---] video will explain the [--] myths behind long-term care and why some like Dave Ramsey feel it's not worth it. You will also learn of [--] hybrid options that might be a better option for you and never buy long-term care Your Retirement Advisors (18 Years) Kai & Ann Chung & Gracie (Our Retirement Puppy) NO COST & NO FEE CALL US"
YouTube Link 2023-01-21T01:45Z 27.7K followers, 45.5K engagements
"😬 [--] Things People Wished They Knew Before Buying An Annuity This video is one of many to come that will show you the mistakes people make when buying an annuity. Any agent will claim that the annuity theyre selling is the one they would personally buy. However what works for them may not suit your needs making their recommendation irrelevant. Watch this video to learn how to avoid making the same mistakes in buying an annuity and what steps you should take before buying one. After watching this video please let us know what experiences good or bad you have heard of in the comments below."
YouTube Link 2024-06-11T00:00Z 27.6K followers, [----] engagements
"3 Bucket Strategy: You're Focusing on the WRONG Bucket Retire Early 🚩Part [--] [--] Buckets Strategy (Other [--] series below) "How to RECESSION-PROOF Your FINANCES & INCOME" How do you know which video to watch on the [--] Buckets Strategy The reason we feel this is THE BEST on the [--] Bucket Strategy is that this is the ONLY way to 100% Recession-Proof your income in writing. We hope you enjoy this fully animated and educational video Whether you are retired or not would you like to replace [--] to 100% of your salary that you had through work Replacing it with GUARANTEED income for life IN WRITING"
YouTube Link 2022-09-17T13:00Z 27.7K followers, 12.1K engagements
"Your Roth Was Meant to Be Spent Not Left Behind #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-26T19:00Z 27.8K followers, [----] engagements
"What is a MYGA Annuity (Is this the BEST) CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors"
YouTube Link 2024-05-04T17:00Z 27.7K followers, [----] engagements
"❌ Do NOT TRUST What These Agents Say About the New Annuities #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-02-19T20:26Z 20.3K followers, [---] engagements
"Will Congress Save Social Security 🏛 #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you protect your retirement"
YouTube Link 2025-09-10T19:00Z 24.5K followers, [----] engagements
"😨 Why Retirees say "THIS is the most CONFUSING investment" #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-02-13T00:00Z 19.9K followers, [--] engagements
"🩸 The IRA Mistake That Can Bleed You Dry in Retirement #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot [--] Shift"
YouTube Link 2025-09-04T19:00Z 24.4K followers, [----] engagements
"Greed Costs Retirees Millions Are You Next 💰😨 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-06-02T18:00Z 21.9K followers, [---] engagements
"⚡ Flexible Withdrawals + Guaranteed Growth Retirement Game Changer #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its"
YouTube Link 2025-09-07T16:00Z 24.4K followers, [---] engagements
"🔒 Protect Your Retirement from the [----] Social Security Cuts #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you"
YouTube Link 2025-09-08T18:00Z 24.5K followers, [----] engagements
"Why is Medicare SO Confusing (New Video at [--] PM PST) This video will go into [--] things you must know before signing up or changing your Medicare Part D Drug plan for [----]. Also stay tuned to the end of the video where we will teach you the best way to shop for your Medicare Part D drug plan. We will touch on some of the Part D changes for [----] & [----] but watch our other video where we will discuss the [--] HUGE changes for Medicare Part D in [----] AND [----]. 🎥 [--] HUGE CHANGES You Need to Know [----] Medicare Part D 🔗 LINKS https://retiringoptions.com/part-d-co. 📖 CHAPTER TITLES: 00:00 It's SO"
YouTube Link 2023-09-10T16:52Z [----] followers, [--] engagements
"🚨 Why This Safe IRA Strategy Could Be a Retirement TRAP #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot 2"
YouTube Link 2025-09-05T18:00Z 24.4K followers, [---] engagements
"🛑 "THIS" reason to RUN AWAY is NOT TRUE 🤥 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch"
YouTube Link 2025-02-12T00:16Z 19.9K followers, [---] engagements
"#1 Retirement Mistake: Why "Buy & Hold" FAILS Your Recession We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-05-06T18:45Z 21.5K followers, [--] engagements
"It WILL Be TOO LATE.if You Miss THIS Packet #Medicare [----] "Bombarded Overwhelmed There's so much mail" Yes that's how people feel during Medicare's Open Enrollment. Well this video will help you know theres only ONE packet to pay attention to and how this packet applies not to just ONE open enrollment but to the upcoming TWO Medicare Open Enrollments for [----] 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your"
YouTube Link 2023-10-01T21:19Z [----] followers, [----] engagements
"🤔 Best Dental for Seniors on Medicare -Worth Buying or Pay Cash This video will discuss who is best to buy dental insurance and who should just pay cash. We will also discuss the difference between Medicare plans with dental HMO vs. PPOs and what types of dental plans are trash and which ones are worth it. We also reveal a PPO dental plan that has NO YEARLY CAP or MAXIMUM. Say goodbye to the $1000 or $1500 max coverage per year Call us with any questions or if you would like to compare your plan. 👉 VIDEO Misleading Medicare Ads (Including Dental) https://youtu.be/HIYOLQ0QwBI OUR CHANNEL"
YouTube Link 2023-10-26T08:41Z [----] followers, 18.2K engagements
"❌ Dont Just Leave a Legacy Live Your Legacy with a Hybrid Pension #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont"
YouTube Link 2025-09-02T20:00Z 24.4K followers, [----] engagements
"AVOID the 4% Rule The $1.8 Million Trap (New Video👇) #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to"
YouTube Link 2025-04-11T18:00Z 21.1K followers, [----] engagements
"Do You REALLY Need an Annuity (Is There a BETTER Investment for Retirement) Are you considering your retirement and wondering "Do I really need an annuity & Is NOW really the best time" or "Is an annuity even a good investment" If so this video will answer both questions and compare annuities to investment planning. Leave a comment with any questions ======================================= 🎦 Related Videos 👇Click 🔗 Links 👇 90% of Annuity Buyers Make This Mistake in Retirement https://youtu.be/aGAcPKedZWcsi=K7FCLvoRWL6zIxIJ What Happens If My Annuity Goes Bankrupt (FAQ Series)"
YouTube Link 2024-05-25T01:51Z 21.3K followers, [----] engagements
"AVOID the 4% Rule The $1.8 Million Trap & What You REALLY Need 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to be a"
YouTube Link 2025-04-12T12:00Z 21.9K followers, [----] engagements
"Did you choose the WRONG annuity from the start #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-03-04T21:00Z 20.4K followers, [---] engagements
"Medicare 2026: Why Your Plan Is Dropping or Doubling in Cost What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are dropping out"
YouTube Link 2025-10-14T22:31Z 27.8K followers, [----] engagements
"😨 Why Your 401(k) Is NOT Safe for Retirement #1 Trap #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you protect"
YouTube Link 2025-09-11T19:00Z 24.5K followers, [---] engagements
"😨 You'll Lose $400000 With THIS Annuity (Retirement Mistakes) #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in 2007"
YouTube Link 2025-08-31T12:00Z 24.3K followers, [----] engagements
"The Good the Bad and the Ugly of Annuities (Hybrid Pensions) #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont"
YouTube Link 2025-04-21T18:00Z 21.2K followers, [---] engagements
"✋Should YOU Do a Roth Conversion Pro Tips 🔥 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help your money"
YouTube Link 2025-07-03T00:04Z 22.5K followers, [---] engagements
"You Dont Need $1M to RetireHeres Why 👀 #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to be a"
YouTube Link 2025-04-15T20:00Z 23.9K followers, [----] engagements
"😳Slash Taxes with QCDs & RMDs in Your Retirement ❤ 🏆 #shorts Retirement income planning and taRetirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your"
YouTube Link 2025-07-12T17:27Z 24.1K followers, [----] engagements
"THIS Strategy Saves Retirement in Recessions💡 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-05-28T19:00Z 21.8K followers, [---] engagements
"#1 Strategy to BEAT INFLATION: Laddering OUT & IN Annuities Explained Discover the #1 strategy for maximizing annuity income in retirement. Most ask "What is an annuity" but the real question should be "How do you maximize an annuity" In this video we compare SPIA DIA and Hybrid Pension annuities with CDs MYGAs and traditional market investments. You'll see the pros and cons of each option and how they measure up in the fight against inflation. Well also introduce a powerful strategy that most people have never heard: Laddering OUT vs. Laddering IN. Learn the key differences between these two"
YouTube Link 2024-08-17T12:00Z 20.7K followers, [----] engagements
"🤯❌ You'll Lose $400000 With THIS Annuity (Retirement Mistakes) #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in 2007"
YouTube Link 2025-08-25T19:00Z 24.2K followers, [---] engagements
"💼 Pension vs. 401(k) Choose Guarantees NOT Guesswork in Retirement 🔐 #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work"
YouTube Link 2025-04-18T18:00Z 21.2K followers, [----] engagements
"Why the 4% Rule Is Failing Retirees Taxes & Strategies #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need"
YouTube Link 2025-04-16T20:11Z 21.1K followers, [---] engagements
"Retire Luxuriously with "Self-Made" Hybrid Pensions 💼🏝 #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need"
YouTube Link 2025-04-22T20:00Z 21.3K followers, [---] engagements
"Why Annuities Lack Transparency (And How Annexus Fixed It) #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in"
YouTube Link 2025-09-21T16:00Z 24.6K followers, [----] engagements
"🫨 Wall Streets Shaky Heres a Pension Thats Not #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to be a"
YouTube Link 2025-04-17T19:00Z 21.2K followers, [----] engagements
"⚠"WAIT Annuities ARE BAD" (.Or Not 🤔) #shorts FULL VIDEO HERE: https://youtu.be/D84YQWi1SWA 🚩This is Part [--] 401(k) vs. Pension Hybrid) of a FIVE-PART SERIES (Other [--] Parts See Below) How to Recession-Proof Your Finances and Income Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be RECESSION-PROOF Would you like to learn about a Hybrid Pension where you combine the concept of a Traditional Pension and your current savings or 401(k) Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED"
YouTube Link 2023-03-11T22:55Z 23.7K followers, [---] engagements
"🔓Unlock the 0% Tax Bracket + Roth Conversions in Retirement 💵💰 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill"
YouTube Link 2025-07-05T12:00Z 22.6K followers, [----] engagements
"Why Waiting on a Hybrid Pension Could Cost You 20%+ Income 💸 #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when"
YouTube Link 2025-08-28T19:00Z 24.3K followers, [----] engagements
"Dont Let RMDs Wreck What You Built 🏚 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help your money"
YouTube Link 2025-06-30T19:05Z 23.5K followers, [----] engagements
"This Retirement Mistake CANT Be UNDONE #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-05-29T19:00Z 21.8K followers, [----] engagements
"💢When You're FORCED to use YOUR 401K MONEY #shorts FULL VIDEO HERE: https://youtu.be/D84YQWi1SWA 🚩This is Part [--] 401(k) vs. Pension Hybrid) of a FIVE-PART SERIES (Other [--] Parts See Below) How to Recession-Proof Your Finances and Income Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is GUARANTEED in WRITING to be RECESSION-PROOF Would you like to learn about a Hybrid Pension where you combine the concept of a Traditional Pension and your current savings or 401(k) Would you like to protect your PRINCIPAL from ANY market crash AND have INCOME that is"
YouTube Link 2023-02-25T17:06Z 23.9K followers, [----] engagements
"🧐 Are Annuities Really That Bad #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to retire early and maximize"
YouTube Link 2025-10-09T19:00Z 27.8K followers, [----] engagements
"🙀 Advisors Keep Telling THIS Annuity LIE #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch"
YouTube Link 2025-02-25T21:53Z 24K followers, [---] engagements
"📉 Compounding Risks: 4% Rule and 23% SSI Cuts for Retirees #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you"
YouTube Link 2025-09-12T18:00Z 24.5K followers, [---] engagements
"Retirees Lose the Best Years Because of THIS 😢 #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when rates were"
YouTube Link 2025-08-27T19:00Z 24.3K followers, [----] engagements
"Client SCAMMED By His OWN FRIEND 😭💔 #shorts What is a HYBRID PENSION and is it a scam Is it an "annuity" There are bad Hybrid Pensions out there and this video goes into how you might be scammed into the wrong Hybrid Pension. So in todays video we will discuss what a Hybrid Pension is & [--] ways to avoid being scammed. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years) Kai & Ann"
YouTube Link 2023-06-29T00:58Z 24.7K followers, [----] engagements
"This CEO Changed Retirement Annuities Forever #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in your"
YouTube Link 2025-09-22T18:00Z 24.6K followers, [---] engagements
"😦 Can your investment beat inflation while taking withdrawals #shorts Discover the #1 strategy for maximizing annuity income in retirement. Most ask "What is an annuity" but the real question should be "How do you maximize an annuity" In this video we compare SPIA DIA and Hybrid Pension annuities with CDs MYGAs and traditional market investments. You'll see the pros and cons of each option and how they measure up in the fight against inflation. Well also introduce a powerful strategy that most people have never heard: Laddering OUT vs. Laddering IN. Learn the key differences between these"
YouTube Link 2024-08-25T12:00Z 17K followers, [---] engagements
"🤯Why Delaying Social Security = More Roth Conversions 🤑 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help"
YouTube Link 2025-07-06T12:00Z 22.6K followers, [---] engagements
"#4 Secret 🤫 Your Annuity Agent DOESN'T KNOW about (But you can) #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-03-01T16:00Z 20.4K followers, [---] engagements
"😟 Why you havent heard of THIS Retirement Strategy #shorts Retirement is harder than everand early retirement feels out of reach. But what if there was a strategy offering 10% to 20% contractual payouts that most people have never even heard of In this video we dive into the truth about Hybrid Pensionsa little-known income solution used quietly by high-net-worth individuals to simplify retirement planning. 🔍 Youll learn: ✅ What a Hybrid Pension really is (and what its not) ✅ Who these payouts are best suited for ✅ How theyre taxed and what that means for your retirement income ✅ Why"
YouTube Link 2025-06-16T18:00Z 22.1K followers, [----] engagements
"Yeah. The Gov't TOOK Your $. Will you get it back (Here's proof) #shorts Do you think it's possible to replace your salary and retire with passive income without work risks or management fees YES it is This video will discuss the [--] different types of passive income ideas but there are only [--] that are guaranteed for life and will help you reach true financial freedom without any risk or management fees. Yes THIS is the video youve been waiting for. Who doesn't love the idea of making money while sitting back and relaxing So let's dive right in 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS"
YouTube Link 2023-09-05T01:00Z 17.1K followers, [---] engagements
"📉 Social Security on the BRINK: What a 23% Cut Means for YOU #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you"
YouTube Link 2025-09-09T20:00Z 24.5K followers, [----] engagements
"😉👌Get the HIGHEST Social Security Income #shorts Check Out The FULL Video: 📢 2023: [--] Social Security CHANGES Affecting YOU & MEDICARE 🤯 https://youtu.be/oJicHNRG5cw Besides Social Security's increase (COLA) in [----] how will impact ALL the changes affect YOU & Medicare Social Security is always confusing or overwhelming. We used a lot of visual aids to simplify all you need to know about these [----] Social Security changes. This should provide clarity on what to do to prepare for these Social Security changes. Social Security benefits have gone UP in [----] by 8.7% That's awesome But the"
YouTube Link 2023-02-15T14:00Z 20.2K followers, [---] engagements
"The happiest healthiest people in retirement are you one of them #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You"
YouTube Link 2025-04-20T12:01Z 21.2K followers, [----] engagements
"🤩 How to Guarantee Your Legacy Even When Markets Fail 🔒 #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot 2"
YouTube Link 2025-09-06T15:01Z 24.4K followers, [----] engagements
"You Can Reach THESE Returns On A Fixed Indexed Annuity #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity"
YouTube Link 2025-03-06T20:00Z 20.7K followers, [---] engagements
"#3 Secret 🤐 Other Annuity Agents use to LIE about your income #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-02-28T19:00Z 20.4K followers, [---] engagements
"🧐 Why Do Advisors Push MYGAs So Hard #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when rates were high 📊 and"
YouTube Link 2025-08-26T20:00Z 24.2K followers, [----] engagements
"✂😖 Why 'Cutting Back Spending' Won't Save Your Retirement #shorts 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you"
YouTube Link 2025-09-13T15:01Z 24.5K followers, [----] engagements
"4 LIES About The 4% Rule#shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to be a millionaire to retire"
YouTube Link 2025-04-14T18:13Z 21.1K followers, [----] engagements
"The Pyramid of Retirement: Why Guaranteed Income Must Be the Foundation 🏠 #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back"
YouTube Link 2025-08-30T15:01Z 24.3K followers, [----] engagements
"How Trumps Tariffs Could Impact Your Retirement 😨📊 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-05-27T18:57Z 21.8K followers, [----] engagements
"🙈 #5 Secret Sneaky Annuity Agents Do To Cost You $$$ Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-03-02T17:00Z 20.3K followers, [---] engagements
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YouTube Link 2025-08-23T14:03Z [----] followers, 4.1M engagements
"🙈 SWERVE Medicare #shorts WATCH THE FULL VIDEO HERE https://youtu.be/WDvqwb4_s28 What is the best age to claim your Social Security Some say claim Social Security early at [--]. Others say to start when you turn [--] or wait until your Full Retirement Age or even max out Social Security at [--]. Unfortunately many times the Social Security calculators or advice given is wrong Even if you have already started your Social Security please forward this video to those who have not started it yet. That's why in todays video we are going to go against the most common suggestion: maximize your Social"
YouTube Link 2023-04-04T22:00Z 13.7K followers, [---] engagements
"Which Medigap Supplement Plan is BEST For YOU Choosing the best Medicare Supplement Plan does not come down to just coverage. For example you could choose a Plan G but what if the rates go up so much that you can no longer afford it You might also be deciding between Medicare Supplement Plan F Plan G or Plan N. So which plan has the best OVERALL value This video will combine these [--] factors with helping you decide which plan is best for you: 1) Coverage 2) Rules of Changing 3) Rating Methodology (How Ins. Co. raises their rates). We hope you call us to get quotes and most importantly to have"
YouTube Link 2023-01-29T00:28Z 24.5K followers, [----] engagements
"Annuities Lock You In Annexus Changed That #short Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in your retirement"
YouTube Link 2025-09-24T19:00Z 24.8K followers, [---] engagements
"😨Retirement LIE: The 4%-5% Rule New Video👇 #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to be a"
YouTube Link 2025-04-13T16:01Z 21.1K followers, [----] engagements
"🤔 You CANT Trust Proprietary Annuity Indexes (REALLY Why) #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-02-22T16:00Z 20.3K followers, [---] engagements
"😨 The 4% Rule Was NEVER Designed to Make Your Money Last #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to"
YouTube Link 2025-10-06T18:13Z 27.8K followers, [----] engagements
"The IRS Hopes You Ignore This RMD Tax Rule 🕵♀💣 #shorts Retirement income planning and taRetirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut"
YouTube Link 2025-07-14T19:23Z 23.5K followers, [----] engagements
"Your 401(k) Isnt Enough Heres Whats Missing in Retirement Retirement is harder than everand early retirement feels out of reach. But what if there was a strategy offering 10% to 20% contractual payouts that most people have never even heard of In this video we dive into the truth about Hybrid Pensionsa little-known income solution used quietly by high-net-worth individuals to simplify retirement planning. 🔍 Youll learn: ✅ What a Hybrid Pension really is (and what its not) ✅ Who these payouts are best suited for ✅ How theyre taxed and what that means for your retirement income ✅ Why"
YouTube Link 2025-06-14T00:02Z 22.3K followers, [----] engagements
"Dont Be Fooled By THIS Hiding In Your Annuity Contract (KCIIS Golden Formula) Whats a fixed indexed annuity and how does the lifetime income rider work Are you confused with all the bonuses and roll-ups and not sure which one has the HIGHEST payout In this video we will discuss the Golden Formula which is our KCIIS secret in comparing all the companies without spending hours doing so ======================================= 🎦 RELATED VIDEOS Which Annuity is BEST for YOU (Annuities + Riders Explained) https://youtu.be/8-dL0gR7gaw HYBRID PENSION PLAYLIST"
YouTube Link 2024-02-03T23:00Z 24.4K followers, [----] engagements
"😰 #2 Secret Annuity Agents Will Use To MISLEAD You #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity"
YouTube Link 2025-02-27T20:00Z 20.4K followers, [----] engagements
"Retirement RUINED by ONE Bad Decision 💸💔 #shorts We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-05-31T22:10Z 21.9K followers, [----] engagements
"Drug Co. ✋🛑 from Robbing You Next Year #shorts This video will go into [--] things you must know before signing up or changing your Medicare Part D Drug plan for [----]. Also stay tuned to the end of the video where we will teach you the best way to shop for your Medicare Part D drug plan. We will touch on some of the Part D changes for [----] & [----] but watch our other video where we will discuss the [--] HUGE changes for Medicare Part D in [----] AND [----]. 🎥 [--] HUGE CHANGES You Need to Know [----] Medicare Part D 🔗 LINKS https://retiringoptions.com/part-d-comparison-tool/"
YouTube Link 2023-09-15T01:00Z 17.1K followers, [---] engagements
"The Market MYTH Thats Fooling Retirees 📉 (DONT FALL FOR IT) We know a lot of you are worriedtariffs a possible recession. its all over the news and the uncertainty is real. Youve probably heard the classic advice: Dont sell now or youll lock in a loss But what if that advice is a LIE So what is the smartest move right now Should you stay the course or if you sell whats the right next step to protect your retirement If you're planning for retirementor already in itthis video is for YOU =================================== 🎥 Related Videos Why Retirees Go Back to Work (Stop Using the 4% Rule)"
YouTube Link 2025-06-01T22:41Z 21.9K followers, [----] engagements
"Annuities' FINE PRINT: [--] Secrets You NEED To Know Tired of complicated annuity illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-02-07T13:50Z 25.1K followers, 11.9K engagements
"😰 Can Your Annuity or Hybrid Pension Go Bankrupt #shorts 🔍 Do You Really Need $1.8 Million to Retire The Truth Might Surprise You Many Americans believe they need $1.8 million to retire early or comfortably but where does that number come from Is it based on real financial planning or is it just a guess In this NEW video were breaking down: ✅ The origins of the $1.8 million retirement myth ✅ Why the popular 4% rule is misleading ✅ A powerful strategy thats been hidden in plain sight ✅ Real-world numbers showing how 10%20% payout plans can actually work You dont need to be"
YouTube Link 2025-04-19T12:01Z 23.7K followers, [----] engagements
"🤯 Can THESE Indexes REALLY Make You Money💰 (Fixed Indexed Annuity) #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the"
YouTube Link 2025-02-24T22:16Z 20.3K followers, [---] engagements
"😨 Why Retirees say "THIS is the most CONFUSING investment" #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-03-05T20:00Z 20.4K followers, [---] engagements
"✅ The Smart Way to Secure a Retirement Salary for Life #shorts Its just BAD math Even with high interest rates starting with CDs or MYGAs instead of a Hybrid Pension could cost you $200K$440K. Most advisors wont tell you why but we will. We hear it all the time: Should I keep investing 📈 or just buy a Hybrid Pension later In this video we put that question to the test MYGA annuities 💵 vs. Hybrid Pensions and show why the CDs or MYGAs first approach might be one of the worst retirement income strategies out there. Youll even hear our personal story 📖 of buying MYGAs back in [----] when rates"
YouTube Link 2025-08-29T18:01Z 24.3K followers, [---] engagements
"The #1 Consumer Complaint About Annuities (And How We Fixed It) #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful"
YouTube Link 2025-09-23T20:00Z 24.6K followers, [---] engagements
"I was betrayed by my financial advisor 😤😡 #shorts What is a HYBRID PENSION and is it a scam Is it an "annuity" There are bad Hybrid Pensions out there and this video goes into how you might be scammed into the wrong Hybrid Pension. So in todays video we will discuss what a Hybrid Pension is & [--] ways to avoid being scammed. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@KCIIS 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years) Kai"
YouTube Link 2023-06-28T00:58Z 27.5K followers, [---] engagements
"What You Should Know About Fixed Indexed Annuities (CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your"
YouTube Link 2024-05-15T20:00Z 25.6K followers, [---] engagements
"🦷 Is DENTAL Insurance WORTH IT #shorts Full video-CLICK HERE https://youtu.be/7zioGbFDmUs This video will discuss who is best to buy dental insurance and who should just pay cash. We will also discuss the difference between Medicare plans with dental HMO vs. PPOs and what types of dental plans are trash and which ones are worth it. We also reveal a PPO dental plan that has NO YEARLY CAP or MAXIMUM. Say goodbye to the $1000 or $1500 max coverage per year Call us with any questions or if you would like to compare your plan. 👉 VIDEO Misleading Medicare Ads (Including Dental)"
YouTube Link 2023-02-09T16:45Z 25.6K followers, [----] engagements
"Do THIS to Avoid the 10% Penalty With Roth Conversions #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the"
YouTube Link 2025-12-30T21:00Z 27.8K followers, [----] engagements
"Why Thousands of Retirees Still Choose Medigap (Supplement vs. Advantage) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She"
YouTube Link 2025-11-19T20:00Z 27.8K followers, [----] engagements
"😱 Someone said "BEST" Annuity RUN AWAY NOW (New Video) Are you being pitched THIS is the BEST annuity This one is especially offering a huge 20%-30% bonus with lifetime guaranteed income Are you being told your lifetime income will double & that your annuity will cover long-term care Does all this sound too good to be true Also stay tuned to the end of the video where we will show you the Golden Formula the secret to comparing all the annuities without spending hours or days doing so. This way you will be confident to know which annuity will provide you with the best lifetime income for the"
YouTube Link 2024-02-09T20:46Z 25.2K followers, [---] engagements
"The IRA Strategy Most Regret Not Knowing.(IRA/Retirement Mistake) #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats"
YouTube Link 2025-12-14T17:00Z 27.8K followers, [----] engagements
"🤔 Dont Let RMDs Spike Your Retirement Taxes 💣💵 #shorts Retirement income planning and taxes can be complex. Especially when it comes to RMDs and taxes. At a certain age the IRS doesnt give you a choicethey require you to start withdrawing from your 401(k) or IRA whether you need the money or not. Without proper planning these Required Minimum Distributions (RMDs) can push you into higher tax brackets shrink your legacy and trigger every retirees biggest fear: running out of money. In this video well walk you through [--] smart strategies to reduce your RMDs cut your tax bill and help your"
YouTube Link 2025-07-01T20:58Z 26.3K followers, [----] engagements
"#1 Secret BOTH Advisors & Annuity Agents Are Hiding 🤫💼💰 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top 5"
YouTube Link 2025-02-26T20:42Z 20.2K followers, [---] engagements
"🤑 MORE 💲 MONEY 💲At Your FRA #shorts Check Out The FULL Video: 📢 2023: [--] Social Security CHANGES Affecting YOU & MEDICARE 🤯 https://youtu.be/oJicHNRG5cw Besides Social Security's increase (COLA) in [----] how will impact ALL the changes affect YOU & Medicare Social Security is always confusing or overwhelming. We used a lot of visual aids to simplify all you need to know about these [----] Social Security changes. This should provide clarity on what to do to prepare for these Social Security changes. Social Security benefits have gone UP in [----] by 8.7% That's awesome But the problem is so is"
YouTube Link 2023-02-14T23:00Z 25.2K followers, [---] engagements
"😨 The IRA Strategy Most People NEVER Hear. #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden IRS trap"
YouTube Link 2025-12-11T20:00Z 27.8K followers, [----] engagements
"How Much Should You REALLY Put Into an Annuity A viewer named David asked When is the best time to buy an annuity Right now the CD rates are high and the market is doing well. Also whats the best age & how much should I put in These questions like David's will be part of our "What the FAQ & Mistakes series" Frequently Asked Questions & Mistakes series. Have you heard its too early to buy an annuity or wait and grow your money in the market first What is the best age to buy an annuity and which type Which age is best for purchasing a hybrid pension We hope you enjoy this video and look forward"
YouTube Link 2024-05-31T00:00Z 25.6K followers, [---] engagements
"2 Huge Retirement Risks (4% Rule CAN'T Fix This) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS"
YouTube Link 2026-01-02T19:00Z 27.8K followers, [----] engagements
"❓✋"Are the NEW Indexes RELIABLE"🤔 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch Before"
YouTube Link 2025-02-23T17:00Z 20.2K followers, [---] engagements
"😬The BIG Contradiction with financial advisors #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-02-15T16:00Z 20K followers, [---] engagements
"DONT Buy an ANNUITY What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years) Kai & Ann Chung & Gracie (Our"
YouTube Link 2024-06-25T00:00Z 25.5K followers, [----] engagements
"🧐Which Annuity is Right For YOU (CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18"
YouTube Link 2024-05-13T20:00Z 25.2K followers, [---] engagements
"Youd Run Out of Money Before Retirement Heres Why #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS"
YouTube Link 2026-01-05T19:00Z 27.8K followers, [----] engagements
"Think Roth Conversions Have a 5-Year Rule After [----] Thats the Mistake Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont"
YouTube Link 2025-12-20T13:00Z 27.8K followers, 49K engagements
"Retirement Was Supposed to Feel Easier Than This #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-24T05:21Z 27.8K followers, [----] engagements
"🚨 Your Medicare Plan Might Disappear in [----] Dont Miss This Letter #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are"
YouTube Link 2025-10-26T16:00Z 27.8K followers, [----] engagements
"The TWO Roth 5-Year Rules (Almost Everyone Gets These Wrong) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize"
YouTube Link 2025-12-28T13:00Z 27.8K followers, [----] engagements
"The Strategy That Turns Retirement Savings Into 20%+ Guaranteed Income #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights"
YouTube Link 2025-10-23T19:00Z 27.8K followers, [---] engagements
"Plan G vs Plan N: One Could Save You Hundreds #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She states that she would NEVER buy"
YouTube Link 2025-11-21T19:00Z 27.8K followers, [---] engagements
"🔓 How to Unlock 10%20% Retirement Payouts (Without Taking More Risk) Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to"
YouTube Link 2025-10-22T19:00Z 27.8K followers, [---] engagements
"😱You NEED to Know This BEFORE Buying an Annuity Are you being pitched you need an annuity and are wondering "Do I really need an annuity & Is NOW really the best time If so this video will answer both questions and compare annuities to investment planning. Leave a comment with any questions #annuity #hybridpension #guaranteedincome #lifetimeincome #KCIIS"
YouTube Link 2024-06-05T00:00Z 25.2K followers, [---] engagements
"⚠ BAD Annuity Companies Are BAITING You 🤬 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch"
YouTube Link 2025-02-21T19:00Z 20.2K followers, [---] engagements
"😰 THIS $0 Medicare Plan Could Cost You THOUSANDS Later (Advantage vs. Medigap Supplement) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare"
YouTube Link 2025-11-18T21:00Z 27.8K followers, [----] engagements
"🧐 Are Income Rider Fees on FIAs Really That Bad #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-02-20T23:05Z 20.1K followers, [---] engagements
"🧐 Is Medigap Still the Smarter Choice in [----] (Supplement vs. Advantage) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She"
YouTube Link 2025-11-20T20:00Z 27.8K followers, [----] engagements
"🛠 Is Your Retirement a Trophy or a Tool #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to retire early and"
YouTube Link 2025-10-21T20:00Z 27.8K followers, [----] engagements
"2 Proven HYBRID Legacy Strategies Youre Missing for RMDs (Smarter than Roth Conversions) Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the"
YouTube Link 2025-08-07T01:26Z 25.4K followers, [----] engagements
"The 4% Rule Sounds Safe Until You Actually Retire #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-20T21:00Z 27.8K followers, [----] engagements
"😱WHAT These annuities have NO surrender fees #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-02-14T19:00Z 24.1K followers, [---] engagements
"😱 88% of THESE plans are dropping out of Medicare #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are dropping out"
YouTube Link 2025-10-25T15:00Z 27.8K followers, [----] engagements
"📉 The Silent Risk That Could Derail Your Retirement Income 🚨 #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how"
YouTube Link 2025-10-07T20:00Z 27.8K followers, [----] engagements
"Social Securitys 23% Cut Is REAL What Retirees Must Do Now 🚨 Social Security is in trouble and the countdown just sped up. CBS News reports the trust fund could run dry one year sooner than expected. Even the official [----] report confirms: by [----] benefits could be slashed by 23%. Over [--] million Americans rely on Social Security. With people living longer and Congress still debating solutions the fear is real and growing. In this video well break down whats really happening with Social Security and what Congress might do next and [--] powerful little-known strategies to help you protect your"
YouTube Link 2025-07-25T16:01Z 25.2K followers, [----] engagements
"⚠ Avoid Roth Rule Confusion: Taxes Penalties & the 5-Year Rules #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont"
YouTube Link 2025-12-23T21:00Z 27.8K followers, [---] engagements
"How to Understand Annuitys Confusing MESS #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch"
YouTube Link 2025-02-14T00:00Z 20K followers, [---] engagements
"Can You REALLY Trust Annuities (Feat. Annexus CEO Ron Shurts) Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many people believe that annuities are misleading as they often play games with participation rates lack transparency and are overly complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle"
YouTube Link 2025-09-17T15:56Z 27.4K followers, [----] engagements
"Contradiction #2: Are Annuities LIQUID #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams (Watch"
YouTube Link 2025-02-17T20:42Z 23.9K followers, [---] engagements
"😱 Your RMDs Can Get This BIG What #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden IRS trap millions are"
YouTube Link 2025-12-09T19:00Z 25.9K followers, [---] engagements
"We Missed an Important Roth IRA Conversion Rule Heres the Correction In our last video we discussed Roth IRA withdrawal rules but we didnt explain an important nuance clearly enough. That lack of clarity is on us and we appreciate our viewers for calling it out. In this video we correct the record and breifly explain: The two different 5-year rules for Roth IRAs How withdrawals work under age [--] vs. over age [--] Why the first-dollar 5-year rule matters if youve never owned a Roth IRA When a non-qualified brokerage account may provide more flexibility and when Roth should come first We are"
YouTube Link 2025-12-17T17:15Z 27.8K followers, [----] engagements
"⚠ Wait ✋ Why Are These Annuities with NO FEE #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-02-18T21:00Z 20.1K followers, [---] engagements
"The Medicare Traps No One Warned You About And What You Can Do About It #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans"
YouTube Link 2025-10-28T20:00Z 27.8K followers, [----] engagements
"😲 A Guaranteed Lifetime Paycheck Most Retirees Have NEVER Heard This #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement."
YouTube Link 2025-12-13T02:03Z 27.8K followers, [----] engagements
"✋ How to Avoid Being Fooled (New annuity video: 02/03/24) Are you shopping around for a fixed indexed annuity getting confused with all the bonuses and roll-ups and not sure which one has the best payout In this video we will discuss the Golden Formula which is our KCIIS secret in comparing all the companies without spending hours doing so 🎦 RELATED VIDEOS Which Annuity is BEST for YOU (Annuities + Riders Explained) HYBRID PENSION PLAYLIST https://youtube.com/playlistlist=PLhy55v5WCqkBbebnWQrfWGdLMhOA1geXM&si=-yxHeDKb2LmNxKeZ ALL ANNUITY & FIXED INDEXED ANNUITY PLAYLIST"
YouTube Link 2024-02-02T20:00Z 25.3K followers, [----] engagements
"This RMD Mistake is Costing You Thousands & Missing Out #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden"
YouTube Link 2025-12-13T16:00Z 27.8K followers, [----] engagements
"⚠ Medicare 2026: The One Switch Thousands Regret And Cant Undo #shorts What the heck is going on with Medicare Open Enrollment [----] Its NOT what you think 😳 This years Medicare changes for [----] are the biggest weve seen in over two decades. This isnt just about shopping around to save a few dollars or get better benefits millions of Medicare Advantage Medigap (Medicare Supplement) and Part D Drug Plan members could lose their coverage face massive rate increases or be forced into fewer choices and higher out-of-pocket costs. Many seniors will find that their Medicare Advantage plans are"
YouTube Link 2025-10-29T19:00Z 27.8K followers, [----] engagements
"STEER CLEAR of These [--] Annuity Scams Watch Before Buying Hybrid Pensions What is a HYBRID PENSION and is it a scam Is it an "annuity" There are bad Hybrid Pensions out there and this video goes into how you might be scammed into the wrong Hybrid Pension. So in todays video we will discuss what a Hybrid Pension is & [--] ways to avoid being scammed. 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement"
YouTube Link 2023-06-01T23:00Z 25.3K followers, 18.2K engagements
"😱 NO WAY Retire with 10%-20% Annuity PayoutsHOW (Staging and Laddering) #shorts Has no one ever told you how to retire or retire early with 10%-20% annuity payouts Learn from this video TWO powerful strategies called Staging and Laddering OUT which will help boost your retirement income while ensuring financial security. Well break down the essential concepts of annuities including how to choose the right type for your needs and how to effectively implement a laddering strategy to create a sustainable income stream. The combination of Staging and Laddering OUT is typically never taught by"
YouTube Link 2024-09-26T00:00Z 25.2K followers, [---] engagements
"#1 Secret Annuity Agents Use To TRICK You 👿 #shorts Tired of complicated illustrations and confusing fine print In this video well break it all down for you Learn how to easily read annuity illustrations understand the fine print and pick the best annuity strategy based on your age and goals. Whether you're planning for retirement or just exploring your options this guide will help you make informed decisions. Watch now and eliminate the guesswork when it comes to annuities Kai & Ann Chung & Gracie (Our Retirement Puppy) =================================== Avoid the Top [--] Annuity Scams"
YouTube Link 2025-03-03T19:05Z 25.8K followers, [----] engagements
"5-Steps to Find the BEST Annuity or Hybrid Pension Many of our clients have come to us after a frustrating and confusing search for the best annuity. There are endless terminologies contradictions and misleading agents that can make you want to pull your hair out If this sounds familiar to you or you know somebody in a similar situation then join Ann and me in our newest video. We explain step-by-step how to find the best annuity for you and how to avoid being taken advantage of. Here is the link to download the 5-Step Chart: 👇"
YouTube Link 2024-07-13T13:00Z 25.6K followers, [----] engagements
"🤕 This ONE Annuity Myth Could Be Costing Your Retirement #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to"
YouTube Link 2025-10-08T19:00Z 27.8K followers, [----] engagements
"🤔 Roth IRA Explained: The Strictest Rules (3 Layers Explained) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont"
YouTube Link 2025-12-28T00:00Z 27.8K followers, [----] engagements
"💸 Medicare Advantage vs Medigap Supplement: The Quick Truth (Most People Pick Wrong) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage"
YouTube Link 2025-11-13T23:44Z 27.8K followers, [----] engagements
"🙅♂ Dont Buy the WRONG Annuity (Heres Which Type Works) #shorts Retirees: Have you heard: Never buy an annuity low caps low returns locked-up money forever 🚫 Many feel annuities are lacking transparency and they're too complex. What if everything you think you know about annuities is already outdated Annuities have evolved especially hybrid pensionsand in this video we sit down with Ron Shurts CEO and co-founder of Anexus one of the pioneers reshaping todays annuity designs. Together well unpack how modern annuities tackle the biggest complaints and why they could play a powerful role in"
YouTube Link 2025-09-20T15:01Z 25.5K followers, [---] engagements
"What is a SPIA/DIA Annuity (CLICK ABOVE FOR FULL VIDEO) What is the TRUE definition of an annuity and how does it ACTUALLY work Are you confused In todays video we will clarify the contradictions you hear about annuities using a comparison chart that we created to help you see which of the [--] types of annuities are best for you 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help you with Guaranteed Income and Health Care Planning. Contact Us (No Cost & No Fee) https://retiringoptions.com/contact-us/ ☎ 408-502-7080 www.RetiringOptions.com Your Retirement Advisors (18 Years)"
YouTube Link 2024-05-01T20:10Z 25.9K followers, [---] engagements
"😱 RMDs SKYROCKET Your Taxes #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement. Thats the hidden IRS trap millions are headed"
YouTube Link 2025-12-10T17:44Z 27.8K followers, [----] engagements
"✋ Stop Overpaying for Medicare (Medicare Advantage vs Medigap Supplement) #shorts Before you switch your plan during the [----] Medicare Open Enrollment watch THIS VIDEO With all the bias how do you choose between a Medigap and a Medicare Advantage plan By showing you a battle between our two moms we will help you decide which one is BEST for YOU (This is an updated video for this coming year) Ann will discuss her 80-year-old mom who bought a Medicare Supplement/Medigap plan and will still keep it for the following years. And Kai's mom whos [--] years old bought a Medicare Advantage plan. She"
YouTube Link 2025-11-17T19:00Z 27.8K followers, [---] engagements
"😰 The 4% Rule Is DEAD Heres the 10%+ Retirement Strategy #shorts Are you still wondering how much you REALLY need to retire comfortably and retire early This video revisits the classic ING commercial and explores how much retirement money is truly needed. The truth is that number has kept more people working past [--] than they ever expected. In this video Kai & Ann from KCIIS expose the Retirement Trap and reveal why you dont need millions to retire comfortably. We compare the traditional [--] percent rule with newer strategies for retirement planning giving you actionable insights on how to"
YouTube Link 2025-10-20T18:00Z 27.8K followers, [----] engagements
"💸 Why RMDs Drain Savings Faster Than You Think #shorts Your IRA Could Be in Trouble And You Might Not Even Know It Millions of retirees are walking straight into a financial trap and its called Required Minimum Distributions (RMDs). Imagine the market crashing and youre forced to withdraw from your retirement accounts anyway. No choice. No flexibility. Just losses youre required to lock in. Thats the harsh reality of RMDs and its stressing people out about running out of money or draining their legacy. Most people turn to two common strategies: [--] Ride the market while its hot [--] Shift into"
YouTube Link 2025-09-03T19:00Z 27.4K followers, [---] engagements
"Your Retirement Plan Missed THIS About Taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs 401(k)s"
YouTube Link 2026-01-21T20:00Z 27.8K followers, [----] engagements
"😲 A Guaranteed Lifetime Paycheck Most Retirees Have NEVER Heard This #shorts Most retirees know theyll face RMDs (Required Minimum Distributions) throughout their retirement which affects their taxes. However almost nobody realizes how massive those RMDs can grow or how brutally they can spike your taxes. (No this is not just another Roth conversion video.) Imagine hitting age [--] and suddenly being forced to withdraw $200k+ $300k+ even $400k per year from your IRA all taxed as ordinary income. No flexibility. No choice. Just skyrocketing taxes and shrinking control over your retirement."
YouTube Link 2025-12-12T19:00Z 26K followers, [---] engagements
"3 TRUE Passive Incomes to Guaranteed Income FOR LIFE Do you think it's possible to replace your salary and retire with passive income without work risks or management fees YES it is This video will discuss the [--] different types of passive income ideas but there are only [--] that are guaranteed for life that will help you reach true financial freedom without any risk or management fees. Yes THIS is the video youve been waiting for. Who doesn't love the idea of making money while sitting back and relaxing So let's dive right in 🚩 SUBSCRIBE TO OUR CHANNEL www.YouTube.com/@kciis 🤳 Call us to help"
YouTube Link 2023-08-11T00:00Z 27.1K followers, [----] engagements
"The Roth Timing Rule Behind Penalty-Free Retirement Income #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize"
YouTube Link 2026-01-01T20:00Z 27.8K followers, [----] engagements
"Over [--] The Roth 5-Year Rule Is NOT What You Think #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS"
YouTube Link 2025-12-31T20:00Z 27.8K followers, [----] engagements
"Keep Taxes Shockingly Low With THIS Retirement Withdrawal Strategy (Social Security Roth IRAs) Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax"
YouTube Link 2026-01-17T13:01Z 27.8K followers, [----] engagements
"Annuities EXPLAINED: Why People HATE Them (When & Why They Actually Work) Call us to learn more about annuities ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ What is an annuity & how does it work In this Annuities explained video we will discuss why many well-known advisors like Dave Ramsey Suze Orman and Ken Fisher have been very vocal about why they hate annuities and why they don't work for retirement planning. Despite the negativity annuities have hit all-time highs reaching over $1.1 trillion dollars. Why the spike in"
YouTube Link 2026-02-14T22:00Z 27.8K followers, [---] engagements
"Recover Your Tax Hit With THIS Roth IRA Conversion Strategy To learn more about our Supercharged Roth IRA Conversion Strategy call us at ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Roth IRA conversions can be a powerful way to reduce taxes later in retirement. But for most people the real hesitation isnt the Roth itself its the huge tax hit upfront especially when larger conversions are involved. Thats why we hear this question all the time: How do I make up for the tax bill when I do a Roth conversion In this video we"
YouTube Link 2026-02-07T13:00Z 27.8K followers, [----] engagements
"High Annuity Payouts Can Hide a Permanent Lock-In Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity lateror secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and show why"
YouTube Link 2026-02-02T19:00Z 27.8K followers, [----] engagements
"The Big Problem With Online Annuity Calculators Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity lateror secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and show why income"
YouTube Link 2026-01-31T16:05Z 27.8K followers, [---] engagements
"97% of Annuity Buyers Keep Making THIS Mistake Ages [--] [--] [--] Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Should you invest first and buy an annuity later or secure retirement income earlier In this video we break down the real math behind retirement income planning hybrid pension annuities and why investing first and buying income later often creates unnecessary risk. We compare income-first vs investing-first strategies using real numbers at ages [--] [--] and [--] and"
YouTube Link 2026-01-31T07:31Z 27.8K followers, [---] engagements
"Your Roth Was Meant to Be Spent Not Left Behind #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-26T19:00Z 27.8K followers, [----] engagements
"How $120000 of Retirement Income Can Stay in the 10% Bracket Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-25T17:00Z 27.8K followers, [----] engagements
"What Does an Annuity REALLY Payout What Online Calculators Miss Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ If youre proud of what youve built but worried about market crashes longevity or whether your income will actually last this video is for you. In this video Kai & Ann break down the [--] biggest problems with online annuity calculators including the single biggest mistake nearly every calculator advisor and agent makes when showing annuity payouts. Well show you"
YouTube Link 2026-01-24T13:00Z 27.8K followers, [----] engagements
"Retirement Was Supposed to Feel Easier Than This #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-24T05:21Z 27.8K followers, [----] engagements
"Don't Let Social Security Taxes Surprise You during Retirement #taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social"
YouTube Link 2026-01-22T20:00Z 27.8K followers, [----] engagements
"Your Retirement Plan Missed THIS About Taxes #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs 401(k)s"
YouTube Link 2026-01-21T20:00Z 27.8K followers, [----] engagements
"The 4% Rule Sounds Safe Until You Actually Retire #shorts Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax penalties. Well show you real examples using actual numbers including how a couple generates $120000 in retirement income while staying inside the 10% federal tax bracket. This includes Social Security Roth IRAs"
YouTube Link 2026-01-20T21:00Z 27.8K followers, [----] engagements
"Keep Taxes Shockingly Low With THIS Retirement Withdrawal Strategy (Social Security Roth IRAs) Call us for a strategic retirement planning consultation ☎ 408-502-7080 (No Cost & No Fee) Or submit a request through our website: https://retiringoptions.com/contact-us/ Retirement withdrawal strategies can be confusing and many retirees ask What do tax-efficient retirement withdrawals actually look like in real life In this video we walk you through how to withdraw retirement income in a tax-efficient way how to structure your withdrawals minimize retirement taxes and avoid unnecessary tax"
YouTube Link 2026-01-17T13:01Z 27.8K followers, [----] engagements
"Youd Run Out of Money Before Retirement Heres Why #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS"
YouTube Link 2026-01-05T19:00Z 27.8K followers, [----] engagements
"2 Huge Retirement Risks (4% Rule CAN'T Fix This) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS"
YouTube Link 2026-01-02T19:00Z 27.8K followers, [----] engagements
"The Roth Timing Rule Behind Penalty-Free Retirement Income #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize"
YouTube Link 2026-01-01T20:00Z 27.8K followers, [----] engagements
"Over [--] The Roth 5-Year Rule Is NOT What You Think #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the IRS"
YouTube Link 2025-12-31T20:00Z 27.8K followers, [----] engagements
"Do THIS to Avoid the 10% Penalty With Roth Conversions #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize the"
YouTube Link 2025-12-30T21:00Z 27.8K followers, [----] engagements
"The TWO Roth 5-Year Rules (Almost Everyone Gets These Wrong) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont realize"
YouTube Link 2025-12-28T13:00Z 27.8K followers, [----] engagements
"🤔 Roth IRA Explained: The Strictest Rules (3 Layers Explained) #shorts Roth conversion rules can be confusing between the 5-year rules Roth IRA withdrawal penalties and how everything changes once you reach age [----]. Many people researching Roth conversions want tax-free income and lower future RMDs but misunderstand how Roth IRA withdrawals are actually taxed and penalized under IRS rules. In this video we clearly explain step by step how Roth conversion rules Roth IRA withdrawal rules the two different 5-year rules and how penalties apply if youre under vs. over [----]. Most people dont"
YouTube Link 2025-12-28T00:00Z 27.8K followers, [----] engagements
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