In the early 70's, there were about 4 million SNAP recipients, or about 1/50 Americans. In 2026, there are nearly 40 million SNAP recipients, or about 1/9 Americans. Government statistics show over half or illegal aliens. Another third are non-citizens. Less than 20% of SNAP recipients are US citizens. The 9-fold increase was not driven by poverty. The poverty is significantly lower in 2026 than in the 1970's. The total of all welfare programs is about $1.5 trillion per year. This is more than our entire military budget. It's more than Social Security. This is more than any other program in the US. Illegal aliens receive welfare. Every illegal deported is a tax cut for US taxpayers. The 4 Keys to Maximize Index Returns 1. Strong Performing Index: without knowing the historical index performance, you are flying blind 2. Fees: high fees reduce returns 3. Caps: limit upside gains 4. Participation Rates: higher participate rates can accelerate gains higher than underlying the underlying index A high participation rate can accelerate gains even higher than the underlying index. If you are suffering low returns with your index annuity, contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 to learn how to increase your potential upside gains.

In the early 70's, there were about 4 million SNAP recipients, or about 1/50 Americans. In 2026, there are nearly 40 million SNAP recipients, or about 1/9 Americans. Government statistics show over half or illegal aliens. Another third are non-citizens. Less than 20% of SNAP recipients are US citizens. The 9-fold increase was not driven by poverty. The poverty is significantly lower in 2026 than in the 1970's. The total of all welfare programs is about $1.5 trillion per year. This is more than our entire military budget. It's more than Social Security. This is more than any other program in the US. Illegal aliens receive welfare. Every illegal deported is a tax cut for US taxpayers. The 4 Keys to Maximize Index Returns 1. Strong Performing Index: without knowing the historical index performance, you are flying blind 2. Fees: high fees reduce returns 3. Caps: limit upside gains 4. Participation Rates: higher participate rates can accelerate gains higher than underlying the underlying index A high participation rate can accelerate gains even higher than the underlying index. If you are suffering low returns with your index annuity, contact Ferenc at <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> or 866-268-4422 to learn how to increase your potential upside gains.

If you want to live like the wealthy, you need to think like the wealthy.  Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry.  Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime.  It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.

<p>If you want to live like the wealthy, you need to think like the wealthy.  Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry.  Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime.  It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.</p>

Your Personal Bank with Ferenc Toth

Illegal Aliens are an Economic Issue/The Importance of Participation Rates to Accelerate Returns on Index Products

The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots.

Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots.

The USPS does not determine voter eligibility or decides who receives a ballot. They do not open the ballots nor see the actual votes. This eliminates duplicate ballots. The unique barcode on the envelope and on the return envelope ensure the number mailed is not greater than the number mailed out and that the mailing in a ballot is the same person who received them. This will greatly reduce fraudulent ballots.

States retain 100% control over voter registration rolls and eligibility. If states include non-citizens on the voter rolls, there is a paper trail. This creates accountability.

Ferenc shares the frustration many people have with financial advisors/agents not really listening to their desires and solutions to this problem.

Please contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 for more info.

<p>The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots.</p> <p>Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots.</p> <p>The USPS does not determine voter eligibility or decides who receives a ballot. They do not open the ballots nor see the actual votes. This eliminates duplicate ballots. The unique barcode on the envelope and on the return envelope ensure the number mailed is not greater than the number mailed out and that the mailing in a ballot is the same person who received them. This will greatly reduce fraudulent ballots.</p> <p>States retain 100% control over voter registration rolls and eligibility. If states include non-citizens on the voter rolls, there is a paper trail. This creates accountability.</p> <p>Ferenc shares the frustration many people have with financial advisors/agents not really listening to their desires and solutions to this problem.</p> <p>Please contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 for more info.</p>

The USPS Will Require Bar Codes to Track Mail-In Ballots/Clients Frustrated with Financial Advisors/Agents Not Listening to Them

The S&P 500 recently hit a new all time high. The index has doubled since 2023.The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.Both cannot continue rising long-term. My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. The driver of increased bond yields is not changing. This creates significant risk and opportunity.This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.

<div><span style="font-family: Arial, sans-serif;">The S&P 500 recently hit a new all time high. The index has doubled since 2023.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Both cannot continue rising long-term. </span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. </span>The driver of increased bond yields is not changing. </div> <div> </div> <div>This creates significant risk and opportunity.</div> <div> </div> <div>This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.</div>

The Stock Market and Bond Markets are Hitting Historical Records. Both Cannot Continue Long Term. Which Will Break Down First?

This is the Golden Era of Fixed Assets

Best index and income annuities available in my 27-year career!

- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years

- Up to 27% signing bonuses are available up to age 89 in most states.

- Highest guaranteed lifetime income

o 8-10% guaranteed annual income increase rollup

o Up to 45% bonus available in most states

Index (growth) annuity

- Strong upside potential gains

- No downside market risk

- Principal guaranteed

- Once gains locked in, become new principal

- Some products: can lock in gains at any time

- Tax-deferred growth: pay taxes on gains only when withdrawing funds



Common Misconception: If you want guarantees, you have to give up strong returns. Not true!

Annuities suffer from perception of poor performance.

If you choose a bad stock, do you blame the entire stock market?



Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Wrong Indexes

3. Low interest rates when purchased



How do you avoid poor performance?

Independent agent

1. Access to nearly every product available, ensure best option

2. About 10% of agents/advisors are independent

3. If you met with an agent/advisor and were only shown one or two products, likely not independent

4. Product search: literally dozens of companies and 100's of products



Index Performance Report

- 100's of indexes

- Most poor performers

- Choose strong performing indexes



Ensure Strong Index Annuity Returns

1. Strong performing Indexes

2. No Caps: unlimited upside

3. Low or no fees

4. Strong participation rates: enhance returns

<p>This is the Golden Era of Fixed Assets</p> <p>Best index and income annuities available in my 27-year career!</p> <p>- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years</p> <p>- Up to 27% signing bonuses are available up to age 89 in most states.</p> <p>- Highest guaranteed lifetime income</p> <p>o 8-10% guaranteed annual income increase rollup</p> <p>o Up to 45% bonus available in most states</p> <p>Index (growth) annuity</p> <p>- Strong upside potential gains</p> <p>- No downside market risk</p> <p>- Principal guaranteed</p> <p>- Once gains locked in, become new principal</p> <p>- Some products: can lock in gains at any time</p> <p>- Tax-deferred growth: pay taxes on gains only when withdrawing funds</p> <p> </p> <p>Common Misconception: If you want guarantees, you have to give up strong returns. Not true!</p> <p>Annuities suffer from perception of poor performance.</p> <p>If you choose a bad stock, do you blame the entire stock market?</p> <p> </p> <p>Index Annuity Poor Performance Reasons</p> <p>1. Caps and other limits</p> <p>2. Wrong Indexes</p> <p>3. Low interest rates when purchased</p> <p> </p> <p>How do you avoid poor performance?</p> <p>Independent agent</p> <p>1. Access to nearly every product available, ensure best option</p> <p>2. About 10% of agents/advisors are independent</p> <p>3. If you met with an agent/advisor and were only shown one or two products, likely not independent</p> <p>4. Product search: literally dozens of companies and 100's of products</p> <p> </p> <p>Index Performance Report</p> <p>- 100's of indexes</p> <p>- Most poor performers</p> <p>- Choose strong performing indexes</p> <p> </p> <p>Ensure Strong Index Annuity Returns</p> <p>1. Strong performing Indexes</p> <p>2. No Caps: unlimited upside</p> <p>3. Low or no fees</p> <p>4. Strong participation rates: enhance returns</p>

Illegal Aliens are an Economic Issue/The Importance of Participation Rates to Accelerate Returns on Index Products

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