The Stephen Jeung Show

Stephen Jeung, founder and CEO of Jeung Agency, sits down with David Beas to explain Annexus — a specialized product manufacturer that partners with a limited number of insurance carriers (Nationwide, North American, Securian, and John Hancock) to build enhanced indexed universal life (IUL) products most agents have never heard of because access is intentionally limited. Key Takeaways Annexus buil...

Stephen Jeung, founder of Jeung Agency, explains why old 401(k)s, 403(b)s, 457s, and TSPs can quietly rack up fees for years after you leave an employer — and walks through how a rollover works and when a fixed index annuity or indexed universal life (IUL) policy may be a better fit for retirement dollars. Key Takeaways Forgotten workplace accounts keep charging advisory fees, fund expense ratios,...

Stephen Jeung, founder and CEO of Jeung Agency, explains what a multi-year guaranteed annuity (MYGA) is and why it can make sense for retirement cash, home-sale proceeds, inheritance money, or maturing CDs sitting in a low-yield account. He compares MYGAs with bank CDs and high-yield savings, focusing on principal protection, locked rates, and tax-deferred growth. Key Takeaways A MYGA is a fixed-r...

Stephen Jeung, founder and CEO of Jeung Agency, explains why a public pension typically replaces only 50–60% of a first responder's working income — not 100% — and why that gap gets worse once healthcare and long-term care costs are factored in. He breaks down the tools firefighters, police officers, and paramedics can use to close that gap without adding new out-of-pocket costs. Key Takeaways A p...

Stephen Jeung, founder and CEO of Jeung Agency, sits down with David Beas to explain how long-term care planning works — and how life insurance-based LTC strategies solve the "use it or lose it" problem of traditional LTC insurance. They walk through an example of repositioning $150,000 in IRA or 401(k) funds into an estimated $600,000+ in tax-free LTC benefits for a married couple. Key Takeaways...

Life Insurance Explained: Term vs. Permanent, Cash Value & Estate Planning | Stephen Jeung Wondering how much life insurance you actually need, whether term or permanent coverage fits your situation, or how cash value policies really work? Stephen Jeung answers the life insurance questions clients ask most — from coverage amounts and workplace benefits to underwriting, estate planning, and wea...

Why Most Retirement Plans Ignore Taxes, Inflation & Long-Term Care | Stephen Jeung Stephen Jeung, a financial planner with nearly 30 years of experience, breaks down the retirement income strategies most plans miss — the ones that actually protect your money from taxes, inflation, and long-term care costs. Retirement mistakes get expensive fast, and this episode gives you a practical roadmap f...

Stephen Jeung on Life Insurance, IULs, and Smarter Retirement PlanningStephen Jeung, founder and CEO of Jeung Agency, breaks down how he built a carrier-agnostic insurance firm and why he believes clients need more than a one-size-fits-all approach. Anna also shares the framing for the conversation and helps guide the discussion through life insurance, IULs, annuities, and retirement blind spots....

Description Most people buy life insurance from one agent, get one quote, and never find out what they missed. David Beas has spent his career on the carrier side — he knows why two companies can look at the same person and come back with completely different offers, and why the policy you were shown may have had more to do with who was selling it than what you needed. We covered a lot of ground:...

The Financial Tool You Haven't Heard Of  🛡️📈 Most retirement conversations focus on 401(k)s and IRAs, but there is a powerful alternative that many independent advisors consider a "secret weapon" for wealth building:  Indexed Universal Life (IUL) . Imagine a vehicle that offers: Zero Market Risk:  A built-in 0% floor means if the market crashes 25%, your account stays at 0%—you neve...

Whether you’re navigating a career change or tightening up your retirement strategy, this episode of  The Stephen Jeung Show  dives into the critical decisions that define your financial future. We’re pulling back the curtain on how to transition your assets without losing a fortune to Uncle Sam and how to build an income floor that never washes away. In this episode, we break down: The 401(k) Cro...

Just left a job or finally retiring after a long career? 🚶‍♂️💼 One of the biggest financial crossroads you’ll hit is deciding exactly what to do with that 401(k) balance. Getting it right can set you up for decades, but a wrong move can trigger massive taxes and penalties. In this episode of  The Stephen Jeung Show , we’re breaking down your four main paths so you can stay in total control of yo...

Whether you're nearing retirement or just want a portfolio that doesn’t keep you up at night, this episode of  The Stephen Jeung Show  is a must-watch! 🎙️✨  We’re breaking down why the traditional "4% Rule" might actually be a risky guess for your retirement and how  Fixed Indexed Annuities (FIAs)  can provide a much sturdier foundation.  Here is what we cover in this episode: The &...

In this video, I discuss the impact of stock market fluctuations and Federal Reserve rate cuts on your financial future. I’ll dive into how these market changes can affect your investments and what strategies you can use to navigate this landscape. I’ll also explore the benefits of Indexed Universal Life (IUL) insurance and Indexed Annuities as powerful financial tools that offer growth potential...

In this video, we dive deep into the stock market, discussing both its potential and its risks. We explore the history of past market crashes, including the dot-com bubble, the 2008 financial crisis, and the 2020 COVID-19 crash, analyzing what caused these downturns and how investors can navigate similar situations in the future. Whether you’re new to investing or experienced, we’ll help you under...

Escape to the spirited energy of Oceanside at the Mission Pacific Beach Resort, part of JdV by Hyatt. This resort, voted the #1 hotel in San Diego by Condé Nast Traveler Readers in 2022, offers a blend of modern comfort and historic charm. Enjoy sweeping Pacific views from your private balcony, dine at Chef Roberto Alcocer’s MICHELIN Star restaurant Valle for exquisite Baja fare, and dance under t...

Join Stephen Jeung on a transformative journey through the financial landscape in the latest episode of The Stephen Jeung Show. With 24 years of experience in the financial service industry, Stephen unpacks a treasure trove of knowledge to help you navigate the complex world of personal finance. In this episode: Demystifying Mutual Funds: Understand the impact of mutual fund fees and how to avoid...

Welcome back to another episode of The Stephen Jeung Show! 🎙️ Today, we're diving deep into the intricate world of commercial insurance with none other than Duana Huggins from "Hey This is Insurance". Are you a business owner or aspiring entrepreneur? 🚀 If so, you won't want to miss out as Duana sheds light on the ins and outs of protecting your business, assets, and dreams. Fro...

Are you curious about the world of Whole Life Insurance and how it can shape your financial future? Look no further! On The Stephen Jeung Show, we take an in-depth dive into the fascinating world of Whole Life Insurance, bringing you valuable insights, expert analysis, and thought-provoking discussions. 💼 Join host Stephen Jeung and a panel of financial experts, insurance professionals, and savvy...

Welcome to our YouTube video featuring Stephen Jeung, a renowned expert in the financial services industry with over 25 years of experience. In this informative session, Stephen will shed light on the significance of term insurance and provide valuable insights on determining the appropriate coverage to safeguard your family's financial future. Term insurance is a crucial aspect of financial plann...

Welcome to our YouTube video featuring Stephen Jeung, a seasoned expert in the financial services industry with over 25 years of experience. In this enlightening session, Stephen delves into the world of Fixed Index Annuities (FIAs) to provide you with a comprehensive understanding of this powerful financial tool. FIAs have gained popularity as a reliable retirement planning strategy, and Stephen...

Welcome to our YouTube video featuring Mark Banks, the Chief Operating Officer of Jeung Agency. In this highly informative session, Mark dives deep into the intricacies of Medicare Supplemental Insurance, providing invaluable insights and expert advice on selecting the right plan for your healthcare needs. Medicare Supplemental Insurance, also known as Medigap, plays a vital role in filling the ga...

Welcome to “The Stephen Jeung Show”! In this episode, we dive deep into the world of Index Universal Life (IUL) policies. Join us as we explore the intricacies and benefits of these policies with our special guests, Stephen Jeung, Founder & CEO of Jeung Agency, and Mark Banks, COO of Jeung Agency. In this enlightening conversation, Stephen and Mark provide expert insights and comprehensive knowled...

Welcome to “The Stephen Jeung Show”! In this episode, join us as we delve into the fascinating topic of improving mindset. Our special guests are Stephen Jeung, Founder & CEO of Jeung Agency, and Mark Banks, COO of Jeung Agency. Together, we explore the top four tips that can help you enhance your mindset and achieve personal growth. In this thought-provoking conversation, Stephen and Mark sha...

Welcome to our informative video on life insurance! In this video, we tackle the top 10 most commonly asked questions about life insurance that people search for on Google. Whether you're new to the concept or seeking clarity on specific aspects, we've got you covered! What is life insurance? Why do I need life insurance? How does life insurance work? What are the different types of life insurance...