top of page

Ven Macatangay Reyes

         President / Owner / Insurance Broker / CA-Realtor / CA-Notary Public

                                           To Start: 
Open an  Index IRA, for your 2023 tax deduction.
Start your Savings and Hurry before it's too late.
How Much More Can You Contribute to a 401(k) Retirement Account in 2023

A 401(k) plan is a great way to increase your retirement savings. Your employer will deduct your pretax contributions from your paycheck, and your savings will be tax-deferred until you take withdrawals during retirement. (The exception is a Roth 401(k), which is funded with after-tax dollars and from which withdrawals in retirement are tax-free.) Thanks to some recent adjustments by the Internal Revenue Service, your 401(k) will get a bit better in 2023.

Savers are able to contribute as much as $20,500 to a 401(k) plan in 2022, an increase of $1,000 from 2021. Those 50 and older will be able to add another $6,500 — the same catch-up contribution amount as 2021 — for a maximum contribution of $27,000.

In 2023, the contribution limits are even more generous, because those limits are adjusted for inflation each year. Savers will be able to sock away $22,500 a year in 2023; those 50 and above can contribute an additional $7,500, for a total annual contribution of $30,000.

These limits apply to other retirement plans, such as 403(b) plans for employees of public schools and nonprofit organizations, as well as the federal government’s Thrift Savings Plan.

There is an upper limit to the combined amount you and your employer can contribute to defined contribution retirement plans. For those age 49 and under, the limit is $61,000 in 2022; that rises to $66,000 in 2023. For those 50 and older, the limit is $67,500 in 2022; that rises to $73,500 in 2023. You can’t contribute more than your earned income in any year.

Those increases are good news for retirement savers. As pensions become increasingly uncommon, for most workers the proceeds of their retirement savings, plus Social Security, will be their main source of retirement income. According to the Employee Benefit Research Institute, just 1 percent of private-sector employees participated in only a pension plan, also known as a defined benefit plan, in 2018, down from 28 percent in 1979. Just 9 percent participated in both a pension plan and a defined contribution plan, such as a 401(k), and 40 percent participated in a defined contribution plan only. ( From: AARP )

  •                       Note: Check with your own CPA or Tax Preparer

(This is Volatility Control Index aims to deliver stability and growth in changing market. )
  • Start Accumulating for successful retirement with maximum growth opportunity.
  • For Better Retirement, use our Guaranteed Lifetime Income, that you cannot outlive. This product also offers the opportunity for increasing income to help fight inflation. Click for Details.
  • New Income Product - A+ Carrier!
  • North American is at it again with their new Income Pay Pro product that’s standing out from the rest. Take a look at these great features below.  Guaranteed Income Including:
  • 7% compound roll-up (Guaranteed for 10 years)
  • 1.15% annual fee
  • Income is available immediately
  • Level or Increasing
  • Nursing home doubler
  • Strong accumulation

Why choose an annuity?
Annuities provide insurance against the risk that you’ll outlive your money after you retire. They give you the potential to grow your savings and create a guaranteed income stream to last a lifetime.

Looking for a product that can adapt with your   retirement   needs?   Athene  Agility

A single premium fixed indexed deferred annuity is a long-term retirement  savings product  that  can help protect you from outliving your money. It’s a contract between you and an insurance company. In  return  for  your  money,  or  “premium”,  the  insurance company agrees to provide certain benefits.
When you put money into an Athene fixed indexed deferred annuity, you  create something that  can  grow  over the years, and then, at a later  time,  can  pay  you  an income  for a period of time, even for a lifetime.

Athene  Agility  is  a  fixed  indexed  annuity.  It  adapts  to  your  needs  whether  for growth, income or help with the unexpected. It gives you the flexibility, security and confidence to reach for the retirement of your dreams.
Growth potential and protection
You can rely on growth that is protected from stock market risk or losses. While it’s possible to earn zero interest if the market declines, you’ll never earn less than zero. Any interest you earn is “locked in” and can’t be lost to future downturns. You are not directly investing in any index or stocks.
You  can  receive  a  guaranteed “retirement paycheck.” When you’re ready, you can create a stream of income that may grow throughout your retirement years.
Financial flexibility if the unexpected occurs
You have access to your money when you need it most. Plans can change, especially when  the  unexpected  happens.  Athene  Agility’s liquidity and income features can help make sure you’re prepared.
Leave a legacy
Your annuity can offer your loved ones a quick source of funds to settle matters after your death.  Even  when  you  are  taking Lifetime Income Withdrawals, your Benefit Base  may continue  to  grow. Your beneficiary may choose either your annuity’s full Death Benefit in a lump sum or the Benefit Base, paid out equally over the currently declared Rider Death Benefit Payout Period.

Additional Benefits: From $100,000 initial investment, the lncome Value become $135,000 
Athene Agility Income and Death Benefit Rider

Benefit Base Bonus: 35% Bonus
Interest Credit Applied Percentage: 175%
Earnings-Indexed Income Credit Percentage: 100%Annuitant's age at first Lifetime Income Withdrawal: 71 Lifetime Income Withdrawal amount: $17,125.49 (Annually)

Call us ASAP. Percentage is subject to change without prior notice. (818) 581-8770

                It is time to protect yourself and your family, incase something unexpected to happen.

                                            Get yourself a FINAL EXPENSE     


                      Click here to make appointment to other services

                      Protect your Lifetime Income From An Annuity and helps Cover Your                                                                        Essential Expenses. So You Can Live The Life You Want.

                      "Don't Just Plan To Retire. Plan To Live."  

                       We hope we can help  protect you and your family.

                                             Venco International Inc.

                                         dba. Venco International Insurance Service

                          is our marketing company with over 20 major carriers.



Please contact us immediately if you want immediate Increasing Lifetime Retirement Income without participating in a down market.


In my opinion, this is the time to Rollover to ANNUITY, your hard earn retirement money, like 401K, 403B, SEP or any government approved programs, due to market volatility.  Annuity, can protect your hard earn money from market volatility, because, Annuity have a floor of zero, meaning it does not participate in down market. You are protected from uncertainty, that means you will be avoiding financial hardship. We have a FIDUCIARY duty / relationship to all our clients.  Is your leader a FiduciaryIf you are not satisfied with your organization, we want to hear from you. God bless and protect us always.

Call us TODAY, for FREE Annual review or upgrade of all your existing policies.

 SAVE Y0UR 401K, 403B, INDEX IRA or INDEX Roth IRA TODAY!  Thank you!!

            Don’t let “Social Distancing” come between you and your clients!

To all Agency Owners, Field Marketing Directors and Clients, who wants to be educated more about our products, is to simply reach us and make an appointment. Thank you. 

 Create your own Lifetime Income Protection with built in Living Benefits. ( Make your appointment - 818-581-8770 )

There are additional benefits associated with our life Insurance and annuity solutions provided by optional riders. We call them Living Benefits, providing since 1937. Based on the product, living benefits can provide benefits should a qualifying Critical, Chronic, Terminal  Illness or Critical injury occurs, or if your desire is to have an income that you cannot outlive.

 National Life Group, Term and Permanent Insurance includes the following: 

 1. Cash Value         ( use as you wish in the future. Tax Free )

 2. Critical Illness   ( use the lump sum as you wish ) 

 3. Critical Injury    ( use the lump sum as you wish )

 4. Chronic Illness  ( use the monthly for your caregiver )

 5. Terminal Illness ( use the lump sum as you wish )


   Is an IUL better than a 401k?

Unlike with traditional 401(k)s, IUL is funded with non-qualified money, or after-tax dollars. So what you pay into IUL has been taxed already. That's good news for future income – potentially tax-free retirement income! IUL also offers the advantage of a tax-efficient death benefit for loved ones. It also offers a Lifetime Income TAX FREE.

                           Interest Crediting Strategies to choose

  Fixed Rate - Is a type of insurance contract that promises to pay the buyer a specific, guaranteed interest rate on their contribution to the account. By contrast, a variable annuity pays interest that can fluctuate based on the performance of an investment portfolio chosen by the account's owner.

  CAP - The interest crediting rate CAP MAXIMUM is between 2.0% to 7.0% depending on the product. If the INDEXED generate than the CAP, the maximum crediting rate is based on the CAP. A series of negative return on the INDEX can generate a 0% interest crediting rate to the policy. For example, if your annuity has annual cap rate of 7% and the underlying benchmark index grows by 10% that year, your annuity will be credited with maximum of 7%.


 PARTICIPATION RATE - The gains from the index are credited to the policy based on a percentage rate, referred to as the Participation Rate. The rate is set by the insurance company and can be anywhere between 50 to 100%.

 SPREAD - Annuity spreads are the percentage that is subtracted from the index change before interest is calculated. For example, if the applicable index gained 10% and the spread fee was 2%, then the gain credited to the annuity would be 8%.


       Best to use for the following conditions:

  Major Health Issue: Use Mutual of Omaha Insurance

  Without Health Issue: Use AIG or Gerber Insurance

  Excellent Health: Use Oxford Insurance

  Would you like to learn more?

1. Understanding Life Insurance with Living Benefits

     A. Living Benefits - There's More to Life

2. What type of Life Insurance Policy is Best

3. Mortgage Protection

4. Financial Checklist for Newlyweds

5. NLG Promise Brochure - Spanish

Real Story of Living Benefits Video


For Annuities, we have number of carriers that offers, an Investments, like Fixed

Index Annuity that will PROTECT your PRINCIPAL from downward market and

gives you a Guaranteed Lifetime Income Withdrawal.

We focused on providing high quality services and customers satisfaction.  

We will do everything we can to meet your expectation."

You can grow your retirement nest egg despite of uncertain markets and protect your family from FINANCIAL HARDSHIP. You can do it all with one insurance policy, the one that's right for you.

Single Biggest Benefits in the TAX Code: 

  • IRC #101 Death Income is TAX FREE

  • IRC #72e Growth TAX FREE

  • IRC #7702 Access your money TAX FREE


INVITE US, we do Home  and Office seminars, so we can discuss your Alternative to 401K and to secure you existing 401K from market volatility.



Indexed Universal Life Benefits:  

  1. Guaranteed not to participate in Stocks Market Losses ( If the market goes down, zero gain not Negative )

  2.  Money is Liquid. ( You can access your money prior to 59-1/2 without penalty )

  3. No Market Risk and No Tax Risk

  4. Tax Free Growth

  5. Do Not Pay Income Tax during retirement

  6. Tax Free in Death Benefit ( Goes to Heirs, Pay Debt, etc.)

  7. Mirror the Growth of S&P 500  

  8. Living Benefits ( Accelerate Death Benefit, Value Anytime when Critical, Chronic, Terminal Illness or Critical Injury Occurs )

  9. Extend Retirement without outliving your retirement money.

  10. Move your money from Account that are Forever Tax to Account that Never Tax

Understanding IUL

For Educational purposes only!

Below are from YOUTUBE Footages.


CPA, Ed Slott ( Tax Free Retirement using IUL )

About your 401k

IUL vs 401k - Which Is Better?

Understanding Indexed Universal Life (IUL)

College Funding Program using IUL

Understanding Fixed Indexed Annuities (FIA)




Fixed Indexed Annuities:

What are annuities?

Annuities are insurance contracts that make regular payments to you either increasing immediate income or at some point in the future. You can purchase an annuity to help grow or protect your retirement savings or provide you with guaranteed income for LIFE.


      A. Provide clients upside potential as well as downside protection. 

      B. When "lightning strikes" the Power of Zero protects clients who have Index Annuities.

      C. Minimum Guaranteed retirement income you can't outlive. 

      D. Safeguard your principal and interest even in a down market

      E. Guaranteed Interest UP TO 12% of your Income Value, plus Bonuses in some carriers.

      F.  Double your INCOME VALUE in 10 years and the ACCOUNT VALUE is protected from down market

      G. Double you Required Minimum Distribution (RMD)

Find out what an ANNUITY can do for you.

Need more Income in Retirement with AIG, ATHENE and F&G. Call for more information.

Build  a retirement, that will gives you an increasing income that you will not outlive.

                   Rollover your 401K, 403B or SEP, etc. to ANNUITY

                   using the product below:              


1. How Does AIG - Increasing Lifetime Income Plus Multiplier Flex work?

    The Power Select Plus Income Index Annuity with the lifetime Plus Multiplier Flex guaranteed living benefit (GLB) rider

       guarantees your income for life and offers two ways to increase this income. The LIfetime income is available at 

       contract issue. Once you activate the rider and take lifetime income withdrawals, your retirement income can contimue

       to grow with annual income credits. 

       Your retirement money is safe because of the Zero-based floors. This floor of zero, is valuable when interest rates are

       falling, because when the market is negative you will not participate. ZERO floor is a HERO.


2. How Does F&G Safe Income Plus Annuity work?

    There are Four Interest Crediting Options (Subject To Cap/Declared Rate) the Four of the five interest crediting options in

     your annuity will potentially earn interest based on formulas in part linked to changes in an index. These are subject to a

     limit or cap rate:

     Indexed Interest Crediting Options: Minimum caps/spreads. Each interest crediting option has minimum caps.

These are the lowest rates could be set at each crediting option anniversary.

  • One-year monthly point-to-point with a cap. Minimum cap per month: 1%

  • One-year annual point-to-point with a cap. Minimum cap per year: 1%  

  • One-year monthly average with a cap. Minimum cap per year: 1%

  • Point-to-point Fixed Declared Rate on Index Gain Crediting Option. Minimum declared rate: 1%).                 

  • You choose which Interest-Crediting Options you wish to participate in. With respect to the indexed interest crediting options, interest, if any is credited on each indexed crediting option’s anniversary and, because indexed interest will never be less than 0%, your ACCOUNT VALUE will increase between 1 to 3%, but it will never go negative, due to a declining index. ZERO is our HERO.

  • Fixed Interest Option. The initial interest rate is GUARANTEED for one year, and the rate thereafter is declared in advance and guaranteed in one year increments. The rate is guaranteed never to be less than 1%


Note: Anyone can roll over a 401(k) to an IRA or to a new employer's 401(k) plan when leaving a job. Depending on your plan's policies, you might be able to make the rollover while you're still with the company. Unlike a post-job rollover, your plan doesn't have to allow in-service rollovers, but many many companies do.

Additional Services:

California Mobile Notary Public and

Mortgage Notary Signing Agent

Notary / Authentication through Apostille Certificate

Apostilles authenticate the seals and signatures of officials on public documents such as birth certificates, court orders, or any other document issued by a public authority so that they can be recognized in foreign countries that are members of the 1961 Hague Convention Treaty.

Bonded & Insured Serving Los Angeles, Orange County,

San Bernardino and Ventura County.

                             CALIFORNIA REALTOR

For Real Estate including Commercial needs:

Mr. Venus "Ven" Macatangay Reyes, DRE # 00979810

Venco International Real Estate Financial Group

BRE # 00888787

291 S. La Cienega Blvd., Ste. 307

Beverly Hills, Ca. 90211

Cell: (818) 581-8770



  Complete the form and someone will contact you shortly.

  Please do not hesitate to contact me if I may be a resource to you. Your referrals on business is the greatest     

  compliment I could ever receive.    

Open House Sign 01202023.jpg
Contact Us TODAY!!
In these uncertain times, at least one thing is clear, we're all in this together. Either you're a Customer or want to become an Agent, I will walk you through the process. So, please call, so I can help you with your dreams and together we will be helping others too.
                   Thank you and God bless us all always.


bottom of page