A fixed indexed annuity grows your money tied to a market index, with no downside risk, then converts it into guaranteed income for as long as you live.
Annuities solve a different problem than most retirement accounts: outliving your money. A fixed indexed annuity credits interest based on index performance — participating in market gains up to a cap, with a guaranteed floor so a bad year never reduces your principal.
When you're ready, you can convert the accumulated value into a stream of guaranteed income, often for the rest of your life, regardless of how long you live or how markets perform after that point.
We'll map out whether an annuity, IUL, or a combination fits your retirement timeline best.
We look at when you'll actually need this money to start paying you, and whether an immediate or deferred annuity fits.
A breakdown of which annuity type matches your risk tolerance — most clients land on fixed indexed for the no-downside growth.
Lifetime income, joint survivor options for a spouse, or a period-certain payout — we'll map out what fits your family.
“Knowing I have guaranteed income no matter how long I live took a real weight off.”
“The no-downside growth was the deciding factor for me over just staying in the market.”
“Simple to understand once they walked me through it — grow now, guaranteed income later.”
Both offer indexed growth with downside protection, but an annuity is built to convert into guaranteed lifetime income, while an IUL is built around a death benefit with flexible access to cash value. Many clients use both for different purposes.
Your principal and credited gains are protected from market losses — a down index year credits 0%, not a loss, though early withdrawal charges can apply if you pull money out during the surrender period.
It depends on the annuity — immediate annuities can start paying within a year, while deferred annuities grow for a period before converting to income. We'll match the timeline to your retirement plans.
Most annuities include a death benefit provision so remaining value passes to your beneficiaries, rather than being forfeited — the specifics depend on the contract and payout option chosen.
We'll text and email you shortly after to confirm your time. Sessions run about 20 minutes.