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Protect Your Retirement Savings from Market Volatility
Secure Growth. Guaranteed Income. Peace of Mind for Your Retirement.
If you’re 5–15 years from retirement, market volatility poses one of the greatest risks to your financial future. A major downturn—especially close to retirement—can permanently reduce your nest egg and force you to delay retirement or withdraw income from a shrinking portfolio.
A Fixed Index Annuity (FIA) offers the perfect balance: market-linked growth potential with zero downside risk. It’s a strategic, safe way to protect your retirement savings while still keeping your money working for you.
What Is a Fixed Index Annuity?
A Fixed Index Annuity is a retirement income product that:
Protects your principal 100% from market losses
- Offers growth based on the performance of an index (such as the S&P 500)
- Never loses value due to market declines
- Converts into guaranteed, lifetime income in retirement
- It’s a powerful option for professionals who want stability without sacrificing growth.
Why FIAs Are Ideal for Professionals Nearing Retirement:
If you have around 10 years before retirement, this is a critical phase of your financial planning. You’re close enough to retirement that you need safety, but still far enough away to benefit from compounded growth.
FIAs are ideal because they provide:
- Market Protection During High-Volatility Years:
Your account can go up—but never down due to market performance. This eliminates the risk of retiring during a downturn. - Growth Potential Without Stock Market Risk
FIAs credit interest based on index performance but do not participate directly in the stock market, protecting you from losses. - Guaranteed Income You Cannot Outlive
As retirement approaches, you can convert the annuity into a predictable income stream, ensuring you never run out of money. - Tax-Deferred Growth
Your money grows faster because you don’t pay taxes until you take income.
Protecting Your 401(k) Rollover from Market Losses
Many working professionals face the same dilemma: “Should I leave my money in a volatile 401(k), or protect it before retirement?”
A Fixed Index Annuity is a smart option for rollover funds because it:
- Eliminates market risk as you approach retirement
- Provides predictable accumulation
- Offers guaranteed income options
- Helps balance your overall retirement allocation
- Ensures your savings remain intact, no matter what the stock market does
Rolling over all or even 50% of your 401(k) into an FIA can help reduce exposure to downturns while still capturing long-term index growth.
How Fixed Index Annuities Work:
FIAs offer several key features that make them safe and effective:
- Principal Protection
Your annuity value cannot decrease due to market losses. Your worst-case scenario is 0% interest, not a loss. - Index-Based Interest
Your annuity tracks an index (like the S&P 500 or a proprietary volatility-controlled index). If the index goes up you earn interest. If it goes → → down you do not lose money. - Annual Reset
Interest is locked in annually, so gains compound. - Lifetime Income Riders
Optional riders can turn your annuity into a guaranteed paycheck in retirement—no matter how long you live.
Who Should Consider a Fixed Index Annuity?
FIAs are an excellent fit for:
- Professionals within 10 years of retirement
- Individuals concerned about market volatility
- People rolling over a 401(k), 403(b), or IRA
- Those who want a safe place for 50–100% of their retirement assets
- Anyone looking for guaranteed lifetime income
- People who want growth but cannot afford losses
If you want protection + growth + guaranteed income, an FIA is a strong solution.
Benefits of Rolling Over Your 401(k) into an FIA:
- Safety from Market Risk
Eliminate the possibility of losing your retirement savings due to a late-career market crash. - Predictable Retirement Income
Turn part of your 401(k) into income you can count on. - Tax Advantages
Continue growing your money tax-deferred. - Control of Your Investment
Once rolled over, your funds are not tied to your employer or plan administrator. - No Required Market Knowledge
You don’t need to pick stocks, time the market, or worry about crashes.
Why Work With a Commercial-Focused Advisor?
As an advisor who works extensively with business owners and working professionals, I understand:
- How to protect retirement assets from volatility
- How to create tax-efficient income streams
- How FIAs fit into business owners' and professionals’ long-term planning
- How to structure rollovers without penalties or unnecessary fees
My approach is strategic, education-focused, and tailored to your goals.
Secure Your Retirement with Confidence
You’ve spent decades building your savings—don’t let market volatility put your retirement at risk. A Fixed Index Annuity can provide the stability, growth, and income you need for a secure future.