Fexingo
Annuities with Fexingo: Income Products, Retirement Planning, and Insurance Investments
Lucas and Luna cut through the noise of retirement income by examining annuities as a portfolio-building tool, not a product pitch. Each episode takes a single income product — fixed indexed, deferred, immediate, variable, or a lesser-known rider — and breaks down how it works, what it costs, and where it fits beside Social Security, pensions, and drawdown strategies. They rely on real insurer filings, SEC disclosures, and historical payout data, never general advice. Lucas dissects the fine print of surrender charges and guaranteed minimum benefits; Luna presses on opportunity cost, inflation...
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Episodes
The Fixed Index Annuity Myth That Cost Investors Billions 22.05.2026 14:09
Episode 4 of Annuities with Fexingo busts the biggest myth in indexed annuities: that a 0% floor protects you from downside. Lucas and Luna walk through a real 2022 scenario where a $500,000 fixed index annuity lost $25,000 in purchasing power despite a 0% crediting floor, because the participation rate and cap structure failed during high volatility. They explain how the S&P 500's worst days in 2...
The Three Percent Annuity That Beat the Market 21.05.2026 13:39
In this episode, Lucas and Luna examine a real 2023 case where a retiree locked in a 3 percent guaranteed lifetime withdrawal benefit on a fixed index annuity — and how that income stream has outperformed a traditional 60-40 portfolio through the 2024 and 2025 market volatility. They walk through the mechanics of GLWBs, the trade-offs between upside caps and downside protection, and why today's hi...
How to Read an Annuity Fee Disclosure 21.05.2026 9:59
Episode 2 of Annuities with Fexingo. Lucas and Luna break down the new SEC annuity fee disclosure rules that took effect this year. They walk through the three-line fee structure every buyer should look for—the contract fee, the rider fee, and the underlying fund expense—using a real $500,000 fixed-index annuity illustration. They explain why the total expense ratio often hits 3.5% or higher, and...
Annuities Are Having a Moment with $385 Billion in Sales 19.05.2026 8:34
Lucas and Luna launch Fexingo's new annuity show by anchoring on a staggering number: in 2025, Americans bought $385 billion in annuities — a record. They break down why fixed-index annuities and registered index-linked annuities are booming, how the Federal Reserve's rate path from 2022 to 2026 reshaped the product landscape, and what that means for anyone planning retirement income. The hosts se...
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