Your Personal Bank with Ferenc Toth

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 [email protected] or 866-268-4422 to learn how to increase your potential upside gains.

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

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Indexes with historical low returns

3. Low interest rates when purchased (2022 or earlier)

Who should contact me:

1. Own or considering annuity with caps (less than 10% annual caps)

2. Suffering low returns (likely poor performing index)

3. Purchased annuity 2022 or earlier

Election Integrity is the greatest challenge of our generation. China stole 220 million American voter files then created large numbers of fraudulent driver's licenses to allow non-citizens to vote. US intelligence agencies knew about this yet did nothing and hid the info from the President and the American people. The Department of Homeland Security reviewed public data files of 4 states and found 278,000 non-citizens registered to vote. It is likely millions of non-citizens are registered to vote nationwide. Michigan police raided a large-scale voter registration fraud operation involving 44 people in 6 counties. One person alone submitted over 8000 votes with the same signature. They seized weapons, computer files, and significant evidence of voter fraud. The police investigation also found the Biden campaign paid the operation $11 million. The Biden FBI took over the investigation then did nothing. No one was charged. The actual damage was not that Donald Trump lost the 2020 election. The real damage is the ballot is more than a counting exercise. It is how "We the People" exercise authority over those we chose to represent us. Election fraud diminishes the legitimate voter's voice. Continued unabated, we will eventually lose our power and the freedoms we enjoy. Ferenc shares the 3 primary reasons index annuities suffer from poor returns. 1. Low interest rate environment from annuities purchased before 2023. 2. Investing in indexes with poor index performance. 3. Caps limiting index performance. You can increase potential index annuity returns 2-3X: 1. Transfer/rollover to new index annuity product to increase returns. 2. Choose indexes with strong return history (9-15% average annual returns past 10-20 years). 3. Eliminate caps (unlimited upside). Contact Ferenc at [email protected] or 866-268-4422 for more info.

Ferenc shared the best index annuity product he has seen in his 26-year career recently became available. Unfortunately, this product is only available up to age 80.

Now, the best index annuity product for 81-89 year olds has recently become available.

There are two options:

1. S&P 500 and NASDAQ 100 indexes with 9-10% average annual returns past 10 years.

2. Up to 26% signing bonus with strong growth index options.

Both options include:

1. No downside market risk. Principle is guaranteed.

2. Once gains are locked in, guaranteed against future market risk.

This is the 'Golden Age" of fixed assets. This is the best time in 40+ years to consider an index (growth) annuity.

Contact Ferenc for more info.

YourPersonalBank.com

[email protected]

866-268-4422

New technology has created market bubbles throughout history. The technology changes, the times change, yet human behavior does not.

The price of an asset ultimately is what someone is willing to pay for it. When there are not more buyers willing to pay the price, the correction starts.

It is not about intelligence. It is about understanding the perceived value and what time it is.

Sir Issac Newton made money in the Tulip Mania in the 1500's and got out. The prices continued to increase. He resisted reentering the market because he knew logically that prices were too high. Eventually, he reinvested near the top, then lost most of his money.

The Climax Rally is often the final cycle of a bull market. Excitement and euphoria are at the highest. It is also the most dangerous and risky portion of a bull market.

This the "Golden Era" of fixed assets. The best annuity products are available in my 26 year career!

There are index annuities without caps that offer unlimited upside potential. They also protect against downside market risk. The principal is guaranteed.

Contact me at [email protected] or 866-515-6280 for more info.

UBS has stated that 60% of companies are greatly reducing their US Artificial Intelligence usage in favor of Chinese AI due to the reduced costs.

Chinese AI costs are up to 95% less than US AI technology.

Benchmark tests are showing that Chinese AI is 80 - 95% as effective as US AI.

It is becoming difficult for companies to justify the cost of US AI with the Chinese models nearly as efficient.

AI related US stock valuations are priced for dominance of AI usage.

If AI demand continues to decline due to high costs, this will likely cause the AI bubble to burst.

Index annuities are a tremendous financial tool to continue strong upside gains if the markets continue to rise, yet protect against downside market risk.

The US Equity Market Valuation has hit the highest level ever recorded!

This combined metric includes P/E, Forward P/E, Shiller P/E, EV/EBITDA, Price-to-Book, Price-to-Sales, Q Ratio, Return on Equity (RoE), and the Warren Buffett Indicator.

The US Equity Market Valuation metric has hit the 80% percentile 5 times since 1900. Each time this happened previously, US stock performance suffered underperformance for years.

Warren Buffet quotes:

- 1999: "Euphoria is the enemy." Dot-com crash followed. NASDAQ dropped over 70%.

- 2026: "Worse than 1999." Same warning, different year. What happens next?

Ferenc also shares a very special and personal 250th Independence Day message!

IPO's over the past 45 years that debut above 40x sales underperform the market by 58% over the next 3 years.

SpaceX IPO initial price was about 90x sales.

The lower the price to sale ratio, the better the returns long-term.

The top 10 largest IPO's price dropped an average of 35% in 6 months.

IPO's tend to issue a the end of a bull market not when stocks are cheap.

70% of Bank of America's bear market indicators have triggered. Bank of America officially stated it is time to take profits.

Index products allow unlimited upside potential growth with no downside market risk. - No caps = unlimited upside - No and low fee options - 100%+ one year participation rates - Up to 29% signing bonus if you have a penalty to overcome

There are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.

Stock valuations have almost never been higher. - The Buffet Indicator is at 233, the highest ever recorded. Market cap to GDP has never been higher. - The Schiller Adjusted Price to Earnings ratio is the second highest recorded in 145 years. At current valuations, it would take over 40 years to recover the investment through earnings. - The Bank of America Bull and Bear Indicator is screaming sell again. The past 17 times stocks dropped 2-20% the following 2-3 months. Companies that have scaled AI are experiencing usage costs that exceed the employees they fired. - Microsoft invested $5 billion in Claude AI and recently banned their engineers using it due to exorbitant costs. - Uber blew through their annual AI usage budget by April 2026. Chinese AI has massively dropped AI usage costs. - Chinese AI can process about 80% of American AI functions. - Chinese is up to 95% cheaper than American AI. - This destroys the American AI profit model. Tech stock valuations are priced for perfection. This could be the beginning of the end of the AI bubble.

Index (growth) annuities provide:

1. Double digit potential annual returns on good market years.
2. Grow your money safely, without market risk. Principle is guaranteed.
3. Once gains are locked in, they are guaranteed against market loss.

You don't have to give up strong returns if you want guarantees.

The bond market worldwide is in crisis. The US 30 Year Bond recently rose to 5.2%, the highest since 2007. The UK 30 Year Bond is the highest since 1998. The Japanese 30 Year Bond is the highest level ever recorded. The primary reason is debt in the western world is at the highest levels ever recorded. Due to the government spending, inflation is increasing in 27 of the 29 largest economies in the world. Central Banks can impact short-term interest rates but have little affect on long-term interest rates. Expect higher interest rates until the western world gets debt under control. Stocks and real estate tend to struggle with higher interest rates. Savings, CD's, dividend paying insurance policies, index annuities, and index universal life tend to thrive with higher interest rates. Insurance companies heavily invest in bonds. When bonds pay higher interest rates, they are more profitable. Annuities and cash value insurance become more profitable. This is the "Golden Era of Fixed Assets". Index annuities and IUL's are paying historic returns. This is likely to continue and even increase for the foreseeable future. The best index annuity I have seen in my 27 year career was released recently by one of the largest, A+ rated companies. This annuity product has no fee options, no cap (unlimited upside), and industry leading participation rates. There is no downside market risk. Principle is guaranteed. Once gains are locked in, the gains become the new principle. Historical average annual returns have been 10-14% for the past 10-20 years! Contact Ferenc at [email protected] or 866-268-4422 for more info.

The Federal Housing Administration (FHA) recently disclosed that they provided zero down mortgages to H-1B visa holders and other non-citizens during the Biden administration. The Trump administration shut this down in June 2025. FHA used programs designed to help low income US citizens purchase a home. Hard working Americans were getting screwed twice. 1. US taxpayers were funding homes for non-citizens. 2. US citizens were competing to purchase homes at a disadvantage. a. The non-citizen did not have to contribute a down payment to purchase a home. b. The citizen had to contribute a 10-20% down payment typically to purchase the same home. This drove up housing prices, particularly in areas with high numbers of H-1B visa holders. One of the best index (growth) annuity products has become available in my 27 year career! - Multiple indexes with 9-11% average annual return indexes the past 10 -20 years. - No downside market risk. Principle is guaranteed. - Once gains are locked in, gains are also guaranteed against market loss. - Can lock in gains at any time. - A+ rated company. Contact Ferenc for more info: [email protected] yourpersonalbank.com 866-268-4422

The US Supreme Court ruled that states can no longer use race to draw congressional districts. 20-30 house seats are represented by districts drawn to represent minorities. The court ruled this violated the Equal Protection Clause and the civil rights of the majority of voters. Democrats have benefited for decades with these congressional districts. This is a massive change in political power that will likely benefit the Republicans for decades. The Virginia Supreme Court stopped the new district map that would have likely changed Virginia's house representation from 6 democrats and 5 republicans to 10 democrats and 1 republican. Virginia is a purple state. They had a very popular republican governor a few months ago. Kamala Harris won Virginia by about 5% in 2024. The ballot initiative barely passed. 51% of voters would have disenfranchised 49% of voters. Florida recently passed a redistrict effort that will likely increase republican representation by about 4 seats. Florida's redistricting would have off-set Virginia. Millions have moved to Florida since the last Census. Florida had a reason to redistrict other than purely political power, unlike Virginia. Both parties gerrymander. The democrats have been far more aggressive for decades. The 6 New England states average 42% republican voters. Due to gerrymandering, New England has zero Republican House representatives. New England Republicans have no representation in the US House of Representatives. LINK: Annuities Improve Outcomes Paper - JP Morgan

When negotiating a salary or a raise, most people don't know what they are up against.

Many companies purchase data from payroll processors and other sources to optimize salary expenses. This info often includes previous job incomes and what increases you recieved. The info obtained by companies include address changes, credit card utilization, delinquent debt, and past due balances. This data aggregation determines the lowest salary you will accept. The salary offered is typically about 3-6% above your minimum number. This is just enough to feel like you are negotiating. Veena Dubai, a law professor, completed extensive research on algorithmic wage discrimination and found that when many employers in the same market use the same data vendors, it creates price-fixing of labor. The company has the advantage with all the data. They know what you will settle for. You think you are negotiating. The system even accounts for your counter in advance. You think your salary is based on the position; your knowledge and experience. It isn't. It is based on your desperation. Salary optimization requires information. The primary source is a product called the Work Number. You can contact Equifax and freeze your info. Take back control of your personal info, freeze your info and maybe even your salary negotiations!