The Smart Money Pro

The Smart Money Pro Guiding GenX & Boomers to a better retirement. Turn 401k, 403b, Roth, IRA, TSP into lifetime income. Less tax strategies & legacy. ✅

10/09/2026

“How much do you make upfront when someone buys an annuity?”

Someone asked me this, and it’s a fair question. 👏

You should know how your financial professional is compensated.

But compensation is only one of the questions to ask before buying an annuity.

Ask:

✅ How much of my premium goes into the annuity?

✅ What’s the difference between the income benefit base and my actual account value?

✅ What withdrawal rate is guaranteed?

✅ How much guaranteed lifetime income could my premium provide?

✅ What values are guaranteed in years 6, 8, and 10?

✅ What happens if I need access to my money early?

Annuities aren’t all the same. Understanding the numbers behind the illustration can make a big difference.

That’s why I created a free guide:

📘 15 Smart Questions to Ask Before Buying an Annuity

You deserve to understand what you’re buying, how it works, and how your financial professional is compensated.

👇 Comment “QUESTIONS” and I’ll send you the guide.

Save this post and share it with someone considering an annuity.

— The Smart Money Pro

Educational purposes only. Annuity products, guarantees, fees, surrender charges, commissions, and income features vary by contract and carrier. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Income benefit bases generally are not cash values. This content is not individualized financial, legal, or tax advice.

10/07/2026

📈 INFLATION RISES… CAN YOUR RETIREMENT INCOME?
One of the biggest risks in retirement isn’t just a market downturn.
It’s losing purchasing power.

If you retire with the same monthly income for the next 20–30 years, what happens as groceries, utilities, healthcare and everyday expenses continue to rise?

Here’s something many people don’t realize:

Certain Fixed Indexed Annuities (FIAs) offer income strategies that may provide the opportunity for retirement income to increase over time, depending on the specific contract, index performance, crediting method and income rider.

And because an FIA is an insurance product, your money is not directly invested in the stock market.

That means we shouldn't only be asking:
“How much income can I get when I retire?”

We should also be asking:
“What could that income look like 10, 15 or 20 years into retirement?”
💬 Comment 56 or DM me 56 if you’d like to learn more about how these strategies work.
———
IMPORTANT DISCLOSURE:�The example shown in this reel is a hypothetical illustration based on one specific type of fixed indexed annuity, using an example of a 56-year-old with $350,000. It is provided for educational and illustrative purposes only and is not intended to represent the results available to every individual.
Actual benefits, income amounts, potential income increases and contract values will vary based on the individual and may be affected by factors including age, premium amount, state of residence, product selected, income start date, index performance, crediting method, rider provisions and contract terms.
Fixed indexed annuities are insurance products and are not direct investments in a market index. Index performance does not include dividends. Income increases are not guaranteed unless specifically provided for by the contract. Guarantees are subject to the terms and conditions of the issuing insurance contract and the claims-paying ability of the issuing insurer.
Withdrawals may be subject to surrender charges, market value adjustments, taxes and possible federal tax penalties if taken before age 59½. Riders may have additional costs. Product features and availability vary by carrier and state.
This content is for educational purposes only and is not intendedY as individualized investment, tax or legal advice. Individual circumstances and results will vary.

10/02/2026

What if $350,000 of retirement savings could create $40,000+ a year in guaranteed lifetime income?

For someone approaching retirement, the conversation isn’t always about getting the highest return.

Sometimes it’s about answering a much bigger question:

“How do I turn what I’ve saved into income I can’t outlive?”

Certain fixed indexed annuity strategies may allow you to reposition a portion of a 401(k), 403(b), IRA—or even Roth assets—to create a predictable lifetime income stream while reducing direct exposure to market losses.

The example in this video shows how $350,000 could potentially generate $40,000+ annually in guaranteed lifetime withdrawals based on the specific product, age, elections and assumptions illustrated.

This isn’t right for everyone—and annuity benefits, bonuses, withdrawal rates, fees and restrictions vary significantly by carrier and product.

Want to see how the numbers could look based on your age and retirement savings?

👇 Comment INCOME or DM me “INCOME” and I’ll send you my Retirement Income Insights Report.

10/02/2026

Gen X, the "distant future" is getting closer every day. Are you worried about market volatility? I'm sharing insights from a major EY study on indexed strategies that could change your retirement game. Drop a "1" in the comments for the full report!

09/25/2026

Retirement Hack: increasing income with guarantees and money you cannot outlive.

Reply “Income” for a free report.

1. First, rollover a qualified account like a 401k, 403b, IRA to an IRA called fixed indexed annuity. Your principal is now 100% protected.
2. Pick one that has increasing income options: your best bet is connecting with a broker who has access to A rated companies.
3. Make sure that licensed pro takes you through the whole plan and answers ALL your questions. If you’re not sure what to ask, let me know.
4. Turn on income when you are ready. There are some companies that charge $0 fees and some that do charge some fees. It depends. You just need to know what works best for your goals.
5. The company will provide guarantees to provide lifetime income, you cannot lose money due to market downturns, your money can increase alongside a market index like the S&P 500 without the risk part. And a bunch of other benefits.

Retirement, preservation and growth can all happen at the same time.

Check back for more smart money hacks.

08/04/2026

I posted a similar reel the time we were here… the day before the Lahaina fire.

Didn’t realize how emotional it was until we got back. Posting this to honor the people of Maui and Lahaina..

And eternally grateful I still get to work from one of the most beautiful places on Earth.

07/17/2026

Would you rather risk it all or at least get the most of both worlds? It’s smart to have a growth with safety bucket. Especially as we get closer to “that age”. Even in retirement this is a smart way to turn your old 401k or IRAs or a portion of your portfolio into sound and stable funds. And have an option of turning it into lifetime income. That you can’t outlive. Ever.

For more info drop “indexed” below.

Hey, did you know the guesswork is over? Yup, indexing strategies inside an IRA or Roth IRA like a fixed indexed annuit...
06/30/2026

Hey, did you know the guesswork is over? Yup, indexing strategies inside an IRA or Roth IRA like a fixed indexed annuity where YOU decided to lock in your interest is a ridiculously cool thing.

You get to control when you want to lock in the interest. For good. I know... "what the heck is she talking about?"

Well, let's say you see your account value go up 18% you can lock that in and never lose one penny of it to risk if the market drops. Ever.

Let me repeat. If you lock in 18% gains and the market starts taking a downward turn and loses 15%, you have LOCKED in your 18%. It's called volatility control. So instead of having to even think about a crash, recession or anything of the like, you just have to decide when you want to grab the upside.

Did I mention participation over 100% and bonuses? OH and you can also control your floor. In case the market slips, you can say if it drops to 10%, I want to lock that in so I don't risk earning 6%. Your worse case, you earn 0%. Worse case. Let that sink in.

I hope this makes no sense because your advisor has not told you about it. Most won't. Or don't because they simply don't offer it.

I would love to work with more Financial Advisors on creating a shield around their client's portfolios. Imagine offering guarantees to secure your client's peace of mind. Now that's working together.

I'm happy to forward a free report on this very strategy if you reply "LOCKED" below.

-Rebekka, The Smart Money Pro, LLC

06/16/2026

Market risk is not necessary as we get closer to retirement. So why risk the opportunity to lock in 10-12% or more gains if you don’t have to? And never lose money in a downturn, crash or recession?

The big returns sound great but what happens when the market drops 10, 20, 30%? On paper the math will surprise you.

The smart strategy is knowing you can do both. And it has been proven to keep retirement portfolios healthier longer with better results.

To learn more about indexing strategy comment “smart” for a free report.

06/10/2026

The Rule of 72 and how money compounds can either worn for or against you.

Take 72 and divide it by the amount of interest you money makes and that equals the number of years it takes for your money to double.

Same applies when you have debt like credit cards and works against you. 72 divided by 26 (percent interest being charged) means your debt doubles every 2.7 years if you don’t have a system for paying it off correctly.

That’s the feeling of never getting ahead.

If you want a free system and tool just reply “debt free” below. Nothing expected in return.

Smart money is taking control of your money and keeping more for yourself to grow!

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