Michael Schroder : Schroder Financial

10/22/2026

A fixed indexed annuity can be linked to a market index—but that doesn't mean you're investing directly in the index.

That's an important distinction.

Interest credited to a fixed indexed annuity can depend on the contract's crediting method and features such as caps, participation rates, or spreads. Because of those provisions, the performance of an index and the interest actually credited to an annuity are not necessarily the same.

This week's video explains how fixed indexed annuities work and some of their potential benefits and limitations.

Learn more at www.schroderfinancial.com.

10/22/2026

What would you do if a major inheritance suddenly changed your financial picture?

Episode 94 of Make It Personal shares the story of a client who had accumulated assets but wasn't sure how all the pieces should work together.

With retirement, family, protection, and long-term goals to consider, the conversation became less about simply having money and more about creating a clearer direction for it.

🎙️ Watch the latest episode here: https://mutualofomaha.co/3UeaWz7

10/21/2026

Life Insurance for Business Owners

If you own a business, life insurance planning may involve more than protecting your family. Depending on the situation, coverage can play a role in key-person protection, business succession, buy-sell planning, and other business-continuity strategies. Every business is different, so understanding your options matters.

Learn more at www.schroderfinancial.com

10/20/2026

Are your prescriptions covered the way you expect for the coming year?

Prescription drug coverage can change from year to year. A medication's drug tier, coverage requirements, or what you pay for it may change.

Depending on your plan, the pharmacy you use can also affect your costs.

During Medicare Annual Enrollment, take some time to review your medications and prescription drug coverage rather than assuming everything will remain the same.

Watch this week's video to learn why prescription coverage should be part of your annual Medicare review.

AEP: October 15–December 7

www.schroderfinancial.com

10/19/2026

One of the most common financial questions is whether to focus on paying off debt or building savings.

The reality is, it is not always an either or decision. Finding the right balance depends on factors like interest rates, emergency savings, and overall financial priorities.

This article breaks down how to approach both and when each should take priority.

Contact me today to set up a free meeting to discuss your right balance.

www.schroderfinancial.com

Discover key factors to consider when choosing between paying off debt and saving for the future. Plus, find professional advice on managing debt while still saving.

10/19/2026

Could your business benefit from an individual retirement plan supported by the purchasing power and service structure of a larger program?

The Greater Omaha Chamber Multiple Employer Aggregation Program—or MEAP—allows participating employers to retain an individual plan while gaining access to coordinated retirement-plan services and potential group efficiencies.

Watch this week’s video to learn how the Chamber MEAP works and whether it may be appropriate for your organization.

Learn more at www.schroderfinancial.com

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc., Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company. Schroder Financial, LLC and Mutual of Omaha Investor Services are not affiliated.

10/15/2026

What makes a fixed annuity “fixed”?

A fixed annuity generally credits interest according to the terms of the insurance contract rather than having its contract value directly invested in the stock market.

That doesn't mean there aren't important considerations. Contract length, credited rates, surrender charges, withdrawal provisions, liquidity needs, inflation, and the financial strength of the issuing insurer can all matter.

This week's video explains the basics of fixed annuities and some of the questions worth considering.

Visit www.schroderfinancial.com to learn more.

10/15/2026

Where you choose to live in retirement can have a bigger impact than many people realize.

From cost of living and taxes to access to healthcare and lifestyle, location plays a key role in how far your savings go and how you experience retirement day to day.

This article highlights five cities that stand out for retirees and what makes them worth considering.

Discover the top 5 U.S. cities ideal for retirement, with insights on tax perks, cost of living and healthcare access to guide senior relocation decisions.

10/15/2026

What's the highest return you can get?

That may not be the most important financial question.

Episode 93 of Make It Personal explores how CFOs think differently about money by focusing on one key question: "What job does every dollar need to do?"

This conversation highlights why assigning purpose to every dollar may be one of the most powerful planning strategies available.

🎧 Watch here: https://mutualofomaha.co/4s3rXbO

10/14/2026

Life Insurance and Mortgage Protection

Your home may be one of your family’s largest financial commitments. Life insurance proceeds can potentially help loved ones manage mortgage payments and other household expenses after the death of an insured family member. Consider how your mortgage fits into your overall protection strategy.

Learn more at www.schroderfinancial.com