Fixed Inexed Annuity

📈 Fixed Indexed Annuities: Grow Your Retirement, Protect Your Future

What if you could enjoy the upside potential of the stock market — without risking your retirement savings when the market crashes?

That’s the power of a Fixed Indexed Annuity (FIA).

💡 What Is a Fixed Indexed Annuity?

A Fixed Indexed Annuity is a retirement tool that gives you the best of both worlds:

• Growth potential tied to a stock market index (like the S&P 500)
• Principal protection, so you never lose money due to market downturns

You earn interest based on how the market performs — but your money is never directly invested in the market.

That means even if the market goes down, your account won’t lose value.

✅ Key Benefits of FIAs

1. Zero Market Losses
   You’re protected from stock market crashes — your principal is safe.
2. Tax-Deferred Growth
   You don’t pay taxes on your gains until you start withdrawing income.
3. Guaranteed Income for Life
   You can turn your annuity into a paycheck that lasts as long as you do.
4. Legacy Protection
   Many FIAs offer death benefits, so your money can pass to loved ones.
5. No Bank or Investment Risk
   Issued by insurance companies, not tied to bank failures or mutual funds.

🧠 Who Should Consider a Fixed Indexed Annuity?

FIAs are ideal for people who:

• Are 5–15 years from retirement
• Want market-linked growth without risk
• Need guaranteed lifetime income
• Are rolling over a 401(k) or IRA
• Want a safe, predictable retirement income stream

🔍 How Does It Work?

1. You fund the annuity — either with a lump sum or over time
2. It earns interest based on a market index
3. If the market performs well, you earn a portion of that growth
4. If the market performs poorly, you don’t lose anything
5. Later, you can turn it into monthly income — for life, if you choose

⚠️ What Should You Know?

• Most FIAs have caps or participation rates, meaning you won’t get all of the index’s return.
• There are surrender periods, so they’re not meant for short-term needs.
• You’ll want to understand income rider options and any associated fees.

🎯 Why It Matters

Imagine retiring without fear — knowing that no matter what happens in the market, your income is safe and secure. That’s the peace of mind a Fixed Indexed Annuity can provide.

It’s not about “getting rich” — it’s about protecting what you’ve worked so hard to build and ensuring it lasts a lifetime.

Ready to explore how an FIA could fit into your retirement plan?

📞 Let’s talk. I’ll show you how to secure your future — without gambling your savings.