Ultimate Design Consulting independent agency of Five Rings Financial

10/25/2026

💵🍷Wine, Women & Wealth OKC🍷💵

✨Because financial confidence is powerful!✨

Grab a glass, bring a friend, and join us for an evening designed just for women who want to feel more confident about their finances, without the pressure or the jargon.

📆Thursday November 5th, 2026
⏰6:30 PM to 8:00 PM
📍1000 W Wilshire Oklahoma City, OK 73116

This event is perfect for women who are:
👉Growing their careers or businesses
👉Planning for the future
👉Ready to take control of their financial story

✨Education. Connection. Confidence.✨

RSVP Required – Call or Text Pam (479) 216-1761
Email: [email protected]

10/19/2026

⏰💵Monday Money Minute💵⏰

Ken Fisher's "I Hate Annuities" Campaign: What He Won't Tell You

Types of Annuities
Insurance companies offer several types of annuities to fit different financial goals. Here's how they compare.

Fixed (MYGA), Fixed Indexed (FIA), Fixed Indexed Income (SPIA), Variable
A Multi-Year Guaranteed Annuity (MYGA) is the simplest fixed annuity. Your rate is guaranteed for the entire term of 2, 3, 5, or 7 years. No market exposure or downside risk, no index tracking. What you see is what you earn.
Best for: Savers who want a predictable, guaranteed return and are comfortable locking funds for a set term. Often compared to CDs but frequently pays more.

Fixed Indexed Income Annuity (SPIA) is simple fixed annuity that guarantees a specific income (typically for 5 years but can vary based on the contract). No downside risk.
Best for: Savers who want a predictable, guaranteed return and are comfortable locking funds for a set term.

A Fixed Indexed Annuity (FIA) is a little more complex in that there is an option for Fixed Interest, but also options for market index crediting using market indices including but not all inclusive: S&P 500, Barclays Trailblazer, Balanced Asset, US Pacesetter….etc. For upside potential of the market with no downside risk for the owner. FIA’s can be credited with Fixed Interest, Indexed Interest and also Participation Rate Interest, depending on the owner)
Best for: Savers who want the beauty of no downside risk but also the opportunity for market-like returns and have a horizon timeline that allows for years of tax-deferred growth.

A Variable Annuity (VIA) is a more complex tax-deferred insurance contract that allows an owner to invest premiums in professionally managed investment subaccounts (similar to mutual funds). The contract value rises and falls based on the performance of the selected investments, so the owner assumes the investment risk.
Ken Fisher's "I Hate Annuities" Campaign: What He Won't Tell You

For products we check the carrier's AM Best, Standard & Poor’s, and Moody’s financial strength rating, a measure of the insurer's ability to meet its obligations, so you can weigh the rate against the carrier's strength. We monitor carriers across the ratings spectrum and do not exclude one based on its rating.

✨To Get a Free, no obligation Quote, email Pam Thompson, [email protected] or call 479.216.1761.

10/18/2026

10/16/2026

💵👩‍🏫Money 101👩‍🏫💵

💡Gain Financial Clarity💡

If money feels confusing or overwhelming, you’re not alone, and help is available.
Join us for Money 101 in Oklahoma City for a relaxed, judgment-free evening focused on building strong financial foundations.

📍Casa De Los Milagros
5111 N Classen Blvd
📆Tuesday October 20th, 2026
⏰6:30–8:30 PM

✨Education. Confidence. Clarity.
✨Open to anyone wanting to learn more about their money.

RSVP Required – Call or Text Pam (479) 216-1761
Email: [email protected]

10/15/2026

💵🍷Wine, Women & Wealth – Moore, OK🍷💵

Grab a glass, bring a friend, and join us for an evening designed just for women who want to feel more confident about their finances, without the pressure or the jargon.

📍Waters Edge Winery – Moore
2001 S Broadway Ave, Ste C
📆Monday October 19th, 2026
⏰6:30 PM – 8:00 PM

We’ll sip, connect, and talk about building wealth, protecting your future, and making money work for your life.
👉Relaxed. Educational. Empowering.
👉Wine + wisdom = a great Monday night.

RSVP Required – Call or Text Pam (479) 216-1761
Email: [email protected]

10/12/2026

⏰💵Monday Money Minute💵⏰

Ken Fisher's "I Hate Annuities" Campaign: What He Won't Tell You
Pros and Cons of Fixed Annuities

Before you commit to a fixed annuity, weigh the advantages and drawbacks for your retirement situation.

Pros
👉Guaranteed rate locked in for the full term, no surprises
👉Principal is 100% protected from market losses
👉Often pays significantly more than CDs or savings accounts
👉Tax-deferred growth, no annual tax bill until withdrawal
👉Up to 10% annual free withdrawal without surrender charge
👉State guaranty association coverage (typically up to $250,000)
👉Simple to understand, no moving parts or index tracking
👉Non-IRA funds pass directly to beneficiaries (even under age 59 ½) with no IRS penalties

Cons
❌Surrender charges apply if you withdraw more than 10% early
❌Not FDIC insured. Backed by the insurance company and other reinsurers, not the government
❌Earnings taxed as ordinary income (not capital gains rates)
❌10% IRS early-withdrawal penalty before age 59½
❌Rate is fixed, so you won't benefit if market rates rise
❌Less liquidity than a savings account or money market

✨To Get a Free, no obligation Quote, email Pam Thompson, [email protected] or call 479.216.1761.

10/12/2026

🎯Zero Tax Class🎯

✨Achieving Zero Tax Retirement✨

How to pay the least amount in taxes in retirement.. because How much you get to Keep is more valuable than how much you save.

📆Thursday October 15th
📍Casa De Los Milagros
5111 N Classen Blvd
⏰6:30pm – 8:00pm

10/11/2026

✨!!!NEW DATE!!!✨
💡Gain Financial Clarity💡
If money feels confusing or overwhelming, you’re not alone, and help is available.
Join us for Money 101 in Oklahoma City for a relaxed, judgment-free evening focused on building strong financial foundations.

📆Monday October 12th, 2026
⏰6:00 PM – 7:30 PM
📍1171 US-71
Mena, AR 71953

👉Education. Confidence. Clarity.
✨Open to anyone wanting to learn more about their money.

RSVP Required – Call or Text Pam (479) 216-1761
Email: [email protected]