Protect principal. Prepare income
Seek growth with downside protection and options for lifetime income—aligned to your timeline.
Protect income, pay off debt, and build a flexible legacy—without product pressure
Who this is for
- Pre-retirees wanting principal protection
- Savers rolling over IRA/401(k) who want less market downside
- Retirees exploring future income options (via riders where suitable)
What you’ll learn
- How index crediting works (caps/spreads/participation) without direct market loss
- Trade-offs: surrender periods, liquidity options, and rider costs
- How FIAs can fit into a retirement income plan
FIA, in plain English
An FIA is an insurance product that protects your principal from market losses while crediting interest based partly on an external index (e.g., S&P 500) using caps, spreads, or participation rates. You don’t invest directly in the market, and you may add income riders for guaranteed lifetime income (additional cost, if available and suitable).
Our process
- Suitability review: goals, time horizon, risk tolerance, liquidity needs
- Education: indexes, crediting methods, surrender schedules, riders
- Carrier comparison: illustrations with clear pros/cons
- Implementation: paperwork, funding/transfer
- Annual review: performance, allocations, changes as life evolves
Planning examples
- Age 58 Rollover: Portion moved to FIA for principal protection + future income rider
- Age 50 Builder: Longer horizon, accumulation-focused FIA allocations
- Age 65 Income Plan: Laddered annuities for staged income start dates
Compliance strip
“FIAs are insurance products. Features, rates, riders, and availability vary by state and carrier. Surrender charges may apply. Withdrawals may be taxable and, if taken before age 59½, may incur IRS penalties. We do not provide tax or legal advice.”
