Annuities with Fexingo: Income Products, Retirement Planning, and Insurance Investments

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...

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...

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...

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...