Alex Stefanic: Financial Advisor at Mutual of Omaha

09/09/2026

In today's post, I discuss what might be the most misunderstood word in retirement planning: Annuities. 🏰

"Too expensive." "Just a commission grab." "Your money's locked away forever." I hear these myths every week — and most are based on outdated products, not the math.

So I broke down the 4 biggest annuity myths and what the reality actually looks like. Because you deserve clarity, not a sales pitch.

Annuities aren't "bad." They're a tool — and for the right person, they can be the personal pension that guarantees income for life.

Read the full breakdown 👇

In today's post, I discuss what might be the most misunderstood word in retirement planning: Annuities. 🏰 "Too expensive." "Just a commission grab." "Your money's locked away forever." I hear these myths every week — and most are based on outdated products, not the math. So I bro...

09/08/2026

Are annuities actually as bad as some people make them out to be? 🤔

Like most financial tools, the answer depends on how they're used.

In this video, I break down three common annuity myths:
✅ "They're too expensive"
✅ "They're all about commissions"
✅ "Your money is locked up forever"

The reality is that annuities can provide benefits such as principal protection, tax-deferred growth, and lifetime income guarantees for some investors. But they're not the right fit for everyone.

The key isn't whether an annuity is "good" or "bad"—it's whether it aligns with your financial goals, time horizon, income needs, and overall retirement strategy.

If you've ever wondered whether an annuity deserves a place in your retirement plan, let's have a conversation.



Compliance Disclosure:
Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. There are charges and expenses associated with annuities, including expenses for optional riders and deferred sales charges for early withdrawals. Guarantees are backed by the claims-paying ability of the issuing insurance company. Investing involves risk, including the possible loss of principal. This content is for informational purposes only and should not be considered investment, tax, legal, or accounting advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.

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09/07/2026

Here’s to the hard work behind every success story. Hope you’re enjoying a restful and refreshing Labor Day weekend!

09/02/2026

In today's post, I discuss the important rule affecting Virginia small businesses. Do you have a plan for your employees? Are you interested in learning more about alternatives to the RetirePath plan? Let me know in the comments

Is your business ready for the biggest shift in Virginia employment law in a decade? If you’ve built a team of five or more people here in the Commonwealth, you’ve likely heard whispers about a new retirement mandate. Maybe you’ve seen the name "RetirePath" floating around your inbox or heard ...

09/01/2026

Virginia small business owners: this is one retirement deadline you don't want to ignore.

If your business has 5 or more employees, recent changes to Virginia's retirement program requirements may impact your company. The good news? You may have options.

Many business owners assume they'll simply enroll in the state-sponsored program. But depending on your goals, a private retirement plan may offer additional benefits, including:

✅ Greater flexibility for owners and employees
✅ Potential tax advantages
✅ Opportunities to attract and retain talent
✅ Potential startup tax credits under SECURE 2.0

The key is understanding your options before the compliance deadline arrives.

If you're a Virginia business owner and aren't sure how these changes could affect your company, now is a great time to evaluate your retirement plan strategy.

Send me a message if you'd like to discuss your options.



Compliance Disclosure:
This content is for general informational purposes only and reflects Virginia legislation (HB 176 / SB 149) and program details as understood at the time of recording; laws, thresholds, deadlines, and penalties are subject to change. Verify current requirements with the Commonwealth of Virginia and RetirePath Virginia. This material should not be construed as tax, legal, or accounting advice. Consult your own tax and legal advisors regarding your specific circumstances. Investing involves risk, including the possible loss of principal. Securities and advisory services are offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.

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08/27/2026

Have you ever wondered if technology can really understand what's most important about your financial goals?

Episode 86 of Make It Personal explores the growing role of AI in financial planning and why personal priorities still matter when making important money decisions.

🎧 Watch here: https://mutualofomaha.co/4cIOLak

08/26/2026

with an introduction about me and my practice. Share your thoughts in the comments

Do you ever feel like the financial world is speaking a language designed to keep you out? Have you ever looked at your family, your business, or your hard-earned savings and wondered, "Who is actually watching over this for me?" If you’ve been searching for a financial partner who understands the...

08/25/2026

💸 Do you have retirement money you forgot about?

Most of us have worked more than one job — and every time you move on, your old retirement account usually stays behind. Different company, different login, out of sight… out of mind. 👀

But here's the thing: that money is still YOURS. It's just not working with the rest of your plan.

Here's how to take back control 👇

📝 Step 1: Take inventory. List every job where you contributed to a retirement plan. Dig up old statements, check your email, or reach out to former employers. Note where each account is and roughly how much is in it.

🔎 Step 2: Know your options. Generally you can leave it where it is, move it to your current plan, roll it into an IRA, or cash it out (heads up — that last one can trigger taxes + penalties). Each path has trade-offs worth understanding.

🎯 The goal? Know what you have so you can make an intentional choice instead of leaving your future to chance.

Take 20 minutes this week and start your list. Your future self will thank you. 🙌

Questions? Drop a comment or send me a DM — happy to help you think it through.



This content is for educational and informational purposes only and does not constitute financial, tax, or investment advice. Every situation is unique — please consult a qualified financial professional and/or tax advisor before making decisions about your retirement accounts.

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08/20/2026

Many families are balancing several financial priorities at once.

Saving for retirement, helping children through college, managing debt, and preparing for the future can feel overwhelming without a plan.

This episode of Mutual of Omaha Advisors' Make It Personal Podcast shares a meaningful conversation about helping families gain clarity and confidence when making important financial decisions.

🎙️ Watch Episode 85: https://mutualofomaha.co/4wCGBr4

08/13/2026

Do all catch-up contributions now have to be Roth?

Episode 84 of Make It Personal clears up one of the biggest misconceptions surrounding the SECURE 2.0 legislation by explaining who the new Roth catch-up contribution rules apply to—and why understanding the details can lead to better retirement and tax planning decisions.

Watch here: https://mutualofomaha.co/3RNa2IX