Retirement Planning with Kannika

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Johns Creek, GA
Retirement Planning with Kannika

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Fellow FCERA retiree helping you turn a lifetime of savings into lifetime income. I explain your options side by side. You choose, at your pace.

Annuities • Retirement Strategies • Life Insurance/IUL
CFEI® | MBA | CA Lic. #4483855
☎️ (559) 360-8910 ✨ From Public Servant to Advocate for Financial Wellness ✨
With 26+ years in local government leadership, I now guide families toward financial security with First Financial Security. As a trusted licensed insurance professional, I help clients:

🌱Protect their loved ones with Term Life Insurance
🌱Build lasting wealth with Indexed Universal Life (IUL)
🌱Secure their retirement with Annuities

My mission is simple: guide and protect clients on their financial journey, while helping them build strength, stability, and peace of mind. 🌟

10/29/2026

Retiring at 62? You may have about three years before Medicare.

Here’s what surprises many people: access to a retiree health plan does not necessarily mean your former employer will help pay the premium. During those years, you may be responsible for some, most, or all of it.

Before retiring, ask:
1. What will my monthly premium be?
2. Will I receive any help paying it?
3. What changes when I turn 65?
Message me HEALTH if you would like a simple checklist to help you compare the answers.

I explain the options. You choose what fits.

— Kannika Toonnachat, MBA, CFEI®
Fellow Retiree | CA Life Insurance Lic. #4483855
(559) 360-8910

General information only—not a recommendation. Medicare eligibility generally begins at 65; some people qualify earlier.

10/26/2026

Your pension got a raise. But prices got a bigger one.

If your pension increased 2.5% while everyday prices across the western United States rose 3.4%, your check increased—but it may not stretch as far.

That is why savings outside your pension may need a clear job:

💵 Stay accessible
📈 Help with rising costs
🔄 Provide additional income

What job should your savings do?

Message me **PLAN**, and I’ll send you three simple questions to help you think it through.

**I explain the options. You choose what fits.**

Kannika Toonnachat, MBA, CFEI®
Fellow FCERA Retiree
California-Licensed Life Insurance Agent
CA License #4483855
📞 (559) 360-8910

*Informational only. Not financial, tax, or investment advice.*

10/22/2026

Your CD can grow—and still fall behind rising prices.

The FDIC’s national average APY for a 12-month CD was approximately **1.73%**, while consumer prices rose **3.7%** over the 12 months ending September 2026.

That doesn’t mean CDs are bad. Some pay more, and CDs can be useful for money you may need soon.

Before your CD automatically renews, compare:

✓ The new APY
✓ The term
✓ Access to your money
✓ What job you need this money to do

Have a CD renewing? Message me **COMPARE**. I’ll send you four questions to review before you renew.

I explain the options. You choose what fits.

**Kannika Toonnachat, MBA, CFEI®**
California-Licensed Life Insurance Agent
CA License #4483855 | (559) 360-8910

Sources: FDIC national average 12-month CD APY and U.S. Bureau of Labor Statistics CPI-U, September 2026. Rates and individual inflation experiences vary. Educational only.

10/20/2026

A wonderful afternoon at the REFCO Health & Wellness Luncheon on October 15, 2026! 💛

I enjoyed connecting with fellow retirees and sharing conversations about retirement savings. Thank you, REFCO, for bringing our community together.

Kannika Toonnachat, MBA, CFEI®
Licensed Life Insurance Professional
CA License #4483855
📞 559-360-8910

Information first. At your pace. Understand. Compare. You decide.

10/19/2026

Would your family know where to start if you weren’t there to explain it?

In my informal survey of 40 fellow retirees, 12 selected helping their family as one priority for their savings.

But legacy is more than money. It’s leaving clarity:

✓ Review your beneficiary designations
✓ Know what each account is intended to do
✓ Make sure someone you trust knows where to find important account information

If legacy is on your mind, message me **LEGACY**. I’ll send you three simple questions to help you get started.

I explain the options. You choose what fits.

**Kannika Toonnachat, MBA, CFEI®**
California-Licensed Life Insurance Agent
CA License #4483855 | (559) 360-8910

Educational only; not legal or tax advice. Review beneficiary designations with your plan administrator or insurer and coordinate them with your estate-planning attorney.

10/14/2026

$185,500 for healthcare over retirement—even with Medicare?

That’s Fidelity’s 2026 estimate for one person age 65 retiring this year. It’s a planning benchmark, not your personal bill.

In my informal survey at a local retiree event, 13 of 40 respondents selected healthcare as a priority for their savings.

💭 How much of your savings should stay easy to access for healthcare expenses?

Message me HEALTH. I’ll send you three simple questions to help you think through your priorities.

I explain retirement savings options. You choose what fits.

Kannika Toonnachat, MBA, CFEI®
California-Licensed Life Insurance Agent
CA License #4483855 | (559) 360-8910

Source: Fidelity 2026 Retiree Health Care Cost Estimate. Covers expenses throughout retirement; assumes no employer-provided retiree health coverage and enrollment in Original Medicare Parts A and B plus Part D prescription coverage. Excludes long-term care, over-the-counter medicines and most dental care. Actual costs vary.

10/12/2026

When life surprises you, can you get to your savings?
A car repair or unexpected bill is a good reason to know the answer before you need the money. How quickly can you get it, how much can you take out, and what might it cost?
Questions? Message me. Let's compare your options.
Kannika Toonnachat, MBA, CFEI®
CA Life Insurance Lic. #4483855 | 559-360-8910

10/11/2026

If you receive a pension from a public retirement system, what would you like the rest of your savings to do?

💛 Be there for unexpected expenses?
💛 Give you additional income?
💛 Leave something for your family?

You don’t have to give every dollar the same job.

What matters most to you? Message me.

I explain the options. You choose what fits.

— Kannika Toonanchat 🌷
Fellow retiree | MBA, CFEI®
CA Life Insurance License #4483855
📞 (559) 360-8910

10/09/2026

Retired Fresno County. Now helping fellow retirees understand money. CFEI® | MBA

After 27 years working for the county — 25 with Fresno County and 2 with San Mateo County — I retired and found a new chapter: helping fellow retirees understand their money. 🌷

I'm a Certified Financial Education Instructor. Here on this page, I share simple, clear financial literacy for retirees and future retirees — education first, just information at your pace.

Retirement doesn't end financial decisions. It simply changes them.
Here on my personal profile, it's mostly life: slow mornings, travels, and the people I love.
https://www.facebook.com/kannika.toonnachat/

I'm glad you're here, and I look forward to learning together. 💛 Pleasure to meet you. 🤝

— Kannika 🌷
CFEI® | Licensed Life Insurance Professional, CA Lic. #4483855
📞 Call or Text (559) 360-8910

10/08/2026

Your savings can grow — and still buy less.

Here's the quiet math: if your savings earns 2.0% while inflation runs 3.4% (U.S. CPI, August 2026), your balance goes up, but your buying power slips backward.

Your money should have a job that at least keeps up. Want to understand how inflation is affecting YOUR savings? Message me LEARN and I'll walk you through it — clear, simple, no obligation.

— Kannika 🌷
CFEI® | Licensed Life Insurance Professional, CA Lic. #4483855
📞 Call or Text (559) 360-8910

Address

11695 Johns Creek Pkwy
Johns Creek, GA
30097

Telephone

+15593608910

Website

https://clients.firstfinancialsecurity.com/LK1776, https://learn.realsecretsofmoney.com/FFSBB/, https://www.financialedu

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