PangNhia “PT” & Derrick Burke

04/12/2026

Most people don’t hate IULs…
they hate what was done to them.

And I’m going to say something most agents won’t:

👉 A poorly structured IUL will absolutely feel like a scam.

Not because the product doesn’t work…
but because it was never designed to work for YOU.

I see it all the time:
– minimal overfunding
– max commissions up front
– no explanation of how it actually grows
– no strategy for using it later

So of course you’re frustrated.
Of course it’s underperforming.

You were given a policy… not a plan.

But when it’s structured correctly?

It becomes:
✔️ protection
✔️ a long-term asset
✔️ a tool you can actually use while you’re alive

This is why I don’t just “sell policies.”
I restructure, review, and EDUCATE.

Because half the time…
you don’t need to start over.

You just need someone who knows what they’re doing.

Comment “REVIEW” and I’ll take a look at what you have.

04/01/2026

03/24/2026

We’ve seen how this plays out… that’s why we don’t wait to get people protected 💰

03/22/2026

I don’t think enough people talk about this…

They think:
‘I’m healthy’
‘I still have time’
‘I’ll handle it later’

But life doesn’t work on your timeline.

And when something happens…

Your family is left to:
• figure out bills
• make decisions
• carry stress you could have prevented

That’s the part nobody wants to talk about.

Not because it’s not real…

Because it’s uncomfortable.

But uncomfortable doesn’t make it untrue.

Planning isn’t about fear.

It’s about responsibility.

Message ‘PLAN’ if you don’t have this handled.

03/20/2026

A lot of people start making extra money and think:

“It’s just a little side income.”

Maybe it’s:

🚗 Driving part time
🎨 Freelance work
📦 Selling products online
📱 Content or consulting

But here’s what many people don’t realize:

When income comes in without taxes withheld, it changes the math.

That income can trigger:

📊 Self-employment tax
📊 Higher taxable income
📊 Changes in credit eligibility
📊 A balance due at filing

It doesn’t mean the side income is a bad thing.

It just means it needs to be structured and tracked correctly.

The earlier someone understands how additional income affects their taxes, the easier it is to plan for it.

If you’ve started earning money outside of your regular paycheck and aren’t sure how it impacts your taxes, we’re always happy to talk through it.

03/19/2026

🚨TONIGHT at 7 PM CST🚨

Derrick and I will be hosting our free educational Zoom Q&A on Wills vs. Trusts with our estate planning partner.

Over the past few days we’ve shared a few real-life situations families have faced simply because they didn’t have the opportunity to learn how these things work ahead of time.

This conversation isn’t about selling anything.

It’s simply about helping people understand their options and giving families the opportunity to ask questions in a comfortable setting.

If you’ve ever wondered:

• Is a will enough?
• What exactly is probate?
• When does a trust make sense?

We’ll be walking through these topics in plain language tonight.

If you'd like to join us, comment PLAN and we’ll send the Zoom details.

Feel free to invite your spouse, partner, or someone you care about who may benefit from the conversation.

We look forward to seeing you there.

03/19/2026

🚨EVERY PARENT SHOULD KNOW THIS.

A conversation I’ve had with more than one family goes something like this:

“We have life insurance, so our kids will be taken care of.”

And while life insurance is incredibly important, many parents don’t realize there can still be questions about how that money is handled if something happens while children are still minors.

In some situations, the funds may not transfer the way families expected, and decisions about how those assets are managed may involve processes they weren’t aware of.

Most parents aren’t avoiding these conversations because they don’t care.

They simply haven’t had anyone explain how these things work.

That’s exactly why Derrick and I are hosting a free educational Zoom on March 19 about Wills vs. Trusts with our estate planning partner.

Our goal is simply to help families understand their options and ask questions in a comfortable setting.

No pressure.
No sales pitch.
Just education.

If you'd like to join the conversation, comment PLAN and we’ll send you the Zoom link.

Feel free to invite a spouse, partner, or someone you care about who may benefit from learning this as well.

03/18/2026

This is a hard question.

But it’s one every parent eventually asks.

If something unexpected happened tomorrow…

• Who would manage your assets?
• Who would make financial decisions?
• Would your children inherit responsibly?
• Would your family have to go through probate?

This is where estate planning comes in.

Many people assume Wills and Trusts are only for wealthy families.

In reality, they’re about clarity and protection for the people you love most.

That’s exactly why we’re hosting a free educational Zoom on March 19th to walk through the differences between a Will and a Trust and when each might make sense.

No pressure. Just information.

Because these are conversations families should understand before they’re ever needed.

If you’d like to join the conversation, we’d love to have you.

And as always — we’re here if you have questions.

03/17/2026

⚠️THIS HAPPENS MORE THAN YOU THINK

A family once shared with me that when their parent passed away, they had a 401(k) and a few bank accounts that were only in their name.

Everyone assumed those accounts would simply transfer to the children.

Instead, they quickly learned there were forms, beneficiary questions, and legal steps they hadn’t expected to deal with.

What they thought would be a simple process turned into confusion and delays while the family tried to figure out how everything was supposed to be handled.

During a time when they should have been focused on grieving and supporting one another, they were trying to understand financial and legal steps they had never been taught.

Situations like this are exactly why Derrick and I believe knowledge is power.

On March 19, we’re hosting a free educational Zoom about Wills vs. Trusts with our estate planning partner to help explain how these things work and what families should understand ahead of time.

No pressure.
No sales pitch.
Just information many families were never taught.

If you'd like to join the conversation, comment PLAN and we’ll send the Zoom link.

12/03/2025

We’ve officially grown — and we’re so excited to share this with you all. 🤍

PNT is now full-service — which means we don’t just handle taxes anymore. We now support you with tax planning & resolution, financial planning, and estate & legacy planning under one roof.

This means:
✔️ No more guessing if you’re doing things right
✔️ No more only reacting at tax time
✔️ No more building without protection

We help you plan, protect, and build with intention — year-round, not just during tax season.

If you’ve ever said:
“I make money but I don’t feel secure,”
“I don’t know if I’m doing this right,”
or “I want to leave something behind for my family”…
this is exactly who we built this for.

📞 682-557-8092
🌐 pntfinancialservices.com

More than taxes. It’s your financial plan.