Agents Profile Archives

Jesse Abshire

Jesse Abshire Retirement Income Specialist Book a Call About Me Jesse Abshire is the founder and CEO of Abshire Family Financial, a veteran owned firm specializing in Holistic planning. With over 15 years of experience in financial and estate planning with Bachelor in Finance, Master of Science and Medical Doctorate. Jesse a US Army veteran, […]

John Ahlers

John Ahlers Retirement Income Specialist Book a Call About Me My wife, Brandi, and I have been married for 26 years and have three children: Zac, Nathan, and Morgan. We live near Blue Grass, Iowa. I’ve been in manufacturing for over 35 years, starting as a Pattern Maker. For more than 20 years, I’ve served […]

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Personal Pension Accounts advertisements may reference indexed annuities, indexed universal life insurance, and other insurance-based strategies. Any guarantees mentioned are subject to the claims-paying ability of the underwriting insurance company.

Discussions in this advertisement are general in nature, based on various assumptions, and do not guarantee future performance. The appropriate type and amount of insurance depend on individual circumstances, financial situation, and needs.

This advertisement is not a formal illustration of any specific life insurance policy or annuity. Terms and conditions of life insurance products are subject to change by the issuing insurer.

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For additional information, please review the Terms of Use and Important Disclaimers on this website.

¹“Secure” refers to features of certain fixed insurance products, such as protection from market losses and guaranteed income options, subject to the claims-paying ability of the issuing insurer. “Most reliable” reflects industry use of annuity products as pension alternatives and does not imply superiority over all retirement options.

²All guarantees are subject to the claims-paying ability of the issuing insurance company and the terms of the contract.

³“0% floor” means fixed annuity contracts do not credit negative interest due to referenced market index declines. Principal protection applies only to fixed insurance products and does not address other risks (e.g., inflation, opportunity cost). Guarantees depend on the insurer’s claims-paying ability.

⁴PPAs do not charge investment-account–style management or advisory fees. Product charges may apply (e.g., rider fees, spreads, caps/participation rates, surrender charges). Review the contract for details.

⁵Tax treatment depends on individual circumstances and current IRS rules. Withdrawals may be taxable; early withdrawals may incur taxes and penalties. Consult a qualified tax professional.

⁶Comparisons to 401(k)/IRA/TSP and other arrangements are general and for educational purposes. Actual performance, costs, and risks vary by plan, investment selection, product, and market conditions. No outcome is guaranteed.

⁷According to a BlackRock study, adding guaranteed lifetime income to a retirement portfolio may increase annual spending ability by 29% and reduce downside risk by 33% compared to traditional approaches.

⁸“0% floor” means fixed annuity contracts do not credit negative interest due to referenced market index declines. Principal protection applies only to fixed insurance products and does not address other risks (e.g., inflation, opportunity cost). Guarantees depend on the insurer’s claims-paying ability.

⁹Analyses and recommendations are based on information you provide, product availability, and suitability requirements. No specific financial outcome is guaranteed.

¹⁰Illustrative Client Experience: These statements are for illustrative purposes only and are not verbatim accounts from specific clients. They are based on feedback and experiences shared by multiple individuals and are intended to demonstrate possible outcomes. Individual results will vary, and past experiences do not guarantee future results.

¹¹Guarantees are based on the claims-paying ability of the issuing insurance company. Product terms, features, and protections vary by state and contract.

¹²Death benefit options and payout structures vary by product and carrier. Availability and terms depend on the specific annuity contract selected.

¹³Withdrawals prior to age 59½ may be subject to taxes and penalties. Withdrawals reduce contract values, benefits, and guarantees.

¹⁴Availability of inflation protection features varies by product. Adding riders or COLA options may reduce initial payout amounts or require additional charges.

¹⁵While PPAs do not have annual management fees like investment accounts, product charges (e.g., mortality & expense, rider costs, surrender charges) may apply. Review your contract for details.

¹⁶Guarantees are based on the claims-paying ability of the issuing insurer. Credited interest rates and caps vary by product and are subject to change.

¹⁷Bonus features vary by product and may be subject to vesting schedules, surrender charges, and other conditions. Bonuses are not always available and may affect contract values.

¹⁸Exclusive strategies” refers to features of certain insurance products. Access and suitability depend on the issuing carrier and individual qualifications.

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²⁰Regulators may read “independent” as implying superiority or broader authority.

“Independent” refers to licensed financial professionals who are not employees of Personal Pension Accounts. They may recommend products over which Personal Pension Accounts has no control.

Jesse Abshire

John Ahlers

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