Julius Pappas, Financial Advisor at LPL Financial

Julius Pappas, Financial Advisor at LPL Financial Financial Services, with a focus on retirement planning, portfolio management, annuities, Life and Disability insurance.

I am a FINRA licensed Financial Adviser and Portfolio Manager since 1997. I have assisted many families and businesses to achieve financial independence through financial advice and prudent management. My LPL team and myself first create a investor profile, create a long-term plan and then execute and implement that plan. We are experts in creating Retirement accounts (401K, IRAs, etc.) manage sto

ck and bond portfolios, select the right annuities for growth or lifetime income, and provide Protection through Life Insurance, Disability and Long-Term programs. As a Fiduciary, I do not have any alliance or affiliation with a specific product, I always seek the best possible solution for my clients. I can be reached at 954-854-4620 or at [email protected]. Julius Pappas, MBA www.juliuspappas.com

11/25/2025

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A very interesting offer from Axonic Insurance Company (A- rated): A 5 year fixed interest rate of 5.70%! In an environm...
10/23/2025

A very interesting offer from Axonic Insurance Company (A- rated): A 5 year fixed interest rate of 5.70%! In an environment of declining interest rates, it is great to see companies still offering such generous yields when banks and credit unions are dropping theirs CD offers constantly. For ore information, feel free to contact my office at 954-854-4620.


AXONIC INSURANCE
Waypoint MYGA 5

5.70% - 5 Years - Rated A- (Excellent)
Interest Rate
5.70% Guaranteed
5 Yrs
• 5 Year Surrender Charge
• 10% withdrawals available after year 1
• A- (Excellent) rating from A.M. Best!
MYGA Strategies
1st Year Base Guar. Yrs. MYGA Yield Min. Guar. MVA Effective
$100k or more initial premium 5.70% 5.70% 5 5.70% 2.55% Yes 9/10/2025
Less than $100k initial premium 5.30% 5.30% 5 5.30% 2.55% Yes 9/10/2025

Product Features
Rate Protection CWA - 10 day rate protection from application date.

Transfers - 60 day rate protection from application date.
Issue Ages Ages 0 89
•
NQ, Q
Minimum Premium $20,000
•
NQ, Q
Maximum Premium Need Large Case form for premiums over 1 million
Surrender Charges 5 Years:
9-8-7-6-5-0%
The client may surrender the policy penalty free within the 30 days prior to the end of the interest guarantee period. If no decision to surrender is made, the policy will auto-renew for a new period with a new guaranteed rate. An MVA will be applied to non penalty-free withdrawals.
Withdrawals 10% after Yr 1
After the first year, 10% of the account value on the prior policy anniversary may be withdrawn penalty free.
Required Distribution RMDs available after year 1
Annuitization Annuity payments are available after year one based on the contract value.
Death Benefit Penalties waived at death
Surrender penalties and MVA are waived at death.
Commission Ages 0 89
•
NQ, Q
•
2.25%
•
Effective: 10/29/2024
Commission Chargeback 100% in the 1st 6 months, 85% within 7 months, 70% within 8 months, 55% within 9 months, 40% within 10 months, 25% within 11 months, 10% within 11 months on death. 0% after year 1. 100% for free-look.

Riders
Illness Nursing Home Confinement Rider
We will waive the surrender charges and the market value adjustment will not apply, subject to the free withdrawal provisions, if the owner is: (1) confined to an eligible Nursing Home for a period of at least 90 consecutive days prior to becoming eligible for this benefit, and if the owner was not confined to an eligible Nursing Home during the first year; and, (2) if there is no amount available for free withdrawal under the free withdrawal provision; and, (3) if you have been the owner continuously since the issue date; and (4) you were less than 80 years old on the issue date.
Proof of confinement must be provided and must be accompanied by a written statement. Any written request for a withdrawal under this provision must be given to Axonic Insurance Services within 90 days of the last day of confinement in an eligible nursing home, except in the absence of legal incapacity, for which it must be provided as soon as reasonably possible.

Nursing Home Confinement Rider not available in the state of California.
more »
Terminal Illness Rider
If you become terminally ill, which shall mean, if any medical conditions which a physician certifies has reduced your expected life span to 12 months or less, you may request by written notice to make a full surrender or partial withdrawals ($1,000 minimum) and Axonic Insurance Services will waive the surrender charges and the market value adjustment will not apply in accordance with the conditions set out in this rider, if (1) you have been the owner continuously since the issue date and (2) you were less than 80 years old on the issue date.

Terminal Illness Rider not available in the state of California.
more »

Carrier Details
Axonic is rated A- (Excellent) by A.M. Best. As of 9/16/2024 Axonic has $238 million in assets, and $116 million in capital, surplus, and AVR. The company was first incorporated in 2013.

05/23/2025

· Small cap stocks broadly kept up with the large cap recovery off the April 8 lows, with the Russell 2000 aiming to dig out of its nearly 14% drop following the April 2 tariff barrage. · However, small cap’s rally began to lag their larger counterparts this week amid the sharp backup in Treasur...

04/08/2025

From the Office of Julius Pappas, MBA, RIA:

Yesterday’s “Fake News” Episode Provides Clues for the Future…

Monday morning’s erroneous headline suggesting the Trump administration would issue a 90-day reprieve on tariffs drove a sharp rally in stocks that lasted about a half hour.
The 8.5% bounce in the S&P 500 Index Monday from roughly 9:45 a.m. ET until 10:15 a.m. ET was led by the technology sector (+11%), followed by consumer discretionary (+9.5%) and communication services (+8.6%).
These happen to be the sectors with the most exposure to the big tech names in the Magnificent Seven with their heavy reliance on global supply chains.
These growth sectors are likely to lead the way back up when markets recover. Of course, we don’t know when that will occur (this morning’s bounce at the open is a good start). But it is fair to say that these global sectors beaten down most during the latest market downdraft, which rallied hardest yesterday when it looked like Trump might hold off on tariffs, may make up the most ground in the move back up as negotiations progress.
Some headlines this morning suggest deals will likely come together in coming weeks. Japan is a good example as they appear to be on the fast track to a deal. The Nikkei rallied 6% overnight. Sell stop orders were triggered last Thursday and Friday, forcing investors to sell out of the market. If you have the discipline to place Sell Stop orders, do you also have the discipline to place Buy Limit orders...? or hedge with Derivatives? or use programs with a Buffer, like the FlexGuard Index annuity from Prudential?

The Tariffs War is On!President Trump’s aggressive tariff policies, rolled out on Wednesday, have sent shockwaves throug...
04/04/2025

The Tariffs War is On!

President Trump’s aggressive tariff policies, rolled out on Wednesday, have sent shockwaves through the financial markets, erasing more than $2.5 trillion in market cap on Thursday. The market is barreling toward its most devastating single-day loss in value since March 16, 2020, when pandemic-driven panic vaporized $3 trillion in wealth.

The S&P 500 plummeted nearly 4%, while the Nasdaq saw losses nearing 5.5% and U.S. government bond yields fell sharply (the 10-year yield slid 19 basis points to 4%), reflecting investor panic over the escalating trade war.

The tariffs have sparked swift retaliation from key trading partners, raising fears of disrupted supply chains, soaring consumer prices, and a potential recession. While Trump touts the measures as a fast track to U.S. prosperity, promising trillions in revenue to cut taxes and debt, analysts warn the immediate fallout—higher inflation and slower growth—could destabilize the global economy for months to come.

“With cross-border tariffs set to rise, the cost of international goods and services will climb – and merchants are already feeling the pinch, Robin Anderson, head of product management at Tribe Payments, told Connect. “For businesses operating across borders, the increase in duties is not just a logistical headache, but a financial one, threatening already narrow margins and forcing a rethink of their operational strategies.”

One thing is undeniable: a bold and unprecedented experiment in global trade has been set in motion, with trillions of dollars in economic activity hanging in the balance. This sweeping policy shift carries outcomes that are impossible to predict with certainty at the outset.

Analysts and economists estimate it will take at least several months—potentially longer—to gather sufficient data and observe the ripple effects across markets, supply chains, and international relations before a clear picture of its impact begins to emerge.

This upheaval significantly complicates the Federal Reserve’s mission. Analysts at Deutsche Bank caution that the tariffs could heighten recession risks, potentially forcing the Fed to pivot toward earlier-than-anticipated rate cuts if the policies persist for an extended stretch.

“For the Fed this makes them more likely to cut even if the direction of travel is highly stagflationary.

A mounting number of economic projections suggest the likelihood of recession is climbing as tariffs escalate. The Atlanta Fed’s GDPNow model is currently signaling the U.S. economy may have already begun to shrink in the first quarter. Yet not all forecasts align with this pessimism—at least for now.

With many service sectors being key drivers of economic growth, the cost of tariffs could exact a steep toll on the U.S. economy, hitting these vital industries hard. Investors need to hedge their portfolios with Derivatives or by using investment vehicles that can absorb losses, like the Prudential FlexGuard program.

01/02/2025

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Some fun with 'retirement' 👇 (do you agree?) “When a man retires, his wife gets twice the husband but only half the inc...
12/31/2024

Some fun with 'retirement' 👇 (do you agree?)

“When a man retires, his wife gets twice the husband but only half the income.”

Top 3 ways to select right annuity for retirement. When selecting the right annuity for retirement, consider these top...
12/30/2024

Top 3 ways to select right annuity for retirement.

When selecting the right annuity for retirement, consider these top three factors:

✓ Understand Your Needs: Identify your financial goals, risk tolerance, and desired income stream to match the annuity type (fixed, variable, or indexed) to your specific needs.

✓ Evaluate Costs and Fees: Compare annuity costs, fees, and surrender charges to ensure transparency and assess the impact on your overall returns.

✓ Review Credibility: Research the insurance company's financial stability, ratings, and reputation to ensure the annuity provider can fulfill its commitments over the long term.

Making an informed decision based on these factors can help secure a suitable annuity for your retirement.

If you have questions, reach out to me and I can provide a free evaluation of how annuities can help your retirement income in a tax-deferred manner.
If you want to learn more about this topic then you can download this FREE guide :
juliuspappas.pages.fintello.com/download

12/30/2024

Are you aware of the vital role that insurance and investment play in modern society?

While saving for the future is a smart move, many people mistakenly believe that these two concepts are interchangeable.

But the truth is, each person and family has unique needs and abilities when it comes to financial planning. Let's dig deeper and explore the differences between Insurance and Investment:

►Objective
Insurance serves as a safety net, protecting individuals and families from the unexpected financial losses that could occur at any moment, whether it's loss of life, property damage, or health problems.
Investment, on the other hand, aims to grow and generate returns on your money or assets that you have entrusted to a third party, with the promise of future profits.

✓ Results obtained
With insurance, you are provided with protection and support during the coverage period. For instance, in life insurance, your loved ones will receive a pre-agreed sum of money, known as the Sum Insured, in case of any unfortunate events. For health insurance, you will be reimbursed for your medical expenses, including hospitalization costs.

►Investments, on the other hand, generate returns based on the performance and conditions of the investment. For example, when investing in foreign currency, gold, or stocks, the value of your money or assets will be influenced by the market price.
Flexibility in benefits

✓ The benefits of insurance can only be accessed when the insured risk occurs. Meanwhile, with investments, you have the flexibility to withdraw your profits at any time, based on your personal preferences or needs.

Now that you have a better understanding of Insurance and Investment, it's important to remember that insurance does not generate wealth like investments do. Its purpose is to protect and mitigate unforeseen risks.

So, do you have the necessary insurance coverage in place?

If you need help do let me know.


If you want to learn more about this topic then you can download this FREE guide :
juliuspappas.pages.fintello.com/download

12/30/2024

Do you know the difference between term and whole life insurance?

✓ Many miss this vital part of financial planning, thinking one plan fits everyone. But they're different, and choosing the right one is crucial for your family's security.

Here's the deal:
► Term life insurance covers you for a set time, usually during your peak earning years.
► Whole life insurance, on the other hand, lasts your whole life and builds cash value over time.

Deciding:
► Term Life: Affordable for a set time.
► Whole Life: Lifelong coverage with cash value.

While term is cheaper, whole life grows in value and guarantees lifelong protection.

Don't rush. Your family's future needs the best.

Are you truly prepared for retirement? Let's dive into some lesser-known facts crucial for today's economy and society! ...
12/29/2024

Are you truly prepared for retirement? Let's dive into some lesser-known facts crucial for today's economy and society!

► Social Security safety net? While it's a cornerstone, it might not fully support your retirement dreams. Are you exploring supplemental options like employer-sponsored plans or IRAs?

► Beware of the inflation monster! Your savings may dwindle in purchasing power over time. How are you factoring in inflation to ensure your nest egg keeps pace with rising costs?

►Healthcare hurdles! Medicare won't cover all your medical expenses. Have you considered setting aside funds to navigate potential healthcare costs in retirement?

► Longevity: blessing or burden? With life expectancy rising, can your savings sustain you through potentially longer retirement years?

► Tax-time surprises! Traditional retirement account withdrawals are taxable. How are you strategizing to minimize tax hits on your retirement income?

►Cost of care conundrum! Long-term care expenses can drain your savings. Are you exploring insurance or other solutions to protect your assets?

►Market mayhem moments! Economic downturns can disrupt retirement plans. How are you diversifying your portfolio to weather market volatility?

Remember, a secure retirement requires proactive planning. Stay informed, stay prepared! Follow me for more insights. 💡
If you want to learn more about this topic then you can download this FREE guide :
juliuspappas.pages.fintello.com/download

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Plantation, FL
33317

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