You spent decades building your nest egg. A Fixed Indexed Annuity (FIA) lets you keep growing that money while making sure a market downturn never takes it away from you.
A Fixed Indexed Annuity credits interest based on the performance of a market index, like the S&P 500, without actually investing your money directly in the market. This means you participate in a portion of the gains during good years, but when the market drops, your account value stays exactly where it is.
This is what makes FIAs one of the most effective tools for protecting retirement assets. Your principal is never exposed to market volatility.
If you have a 401(k), 403(b), TSP, or traditional IRA, you may be able to roll those funds directly into a Fixed Indexed Annuity without triggering a taxable event. Here is how the process works.
We start by looking at where your retirement money currently sits, what fees you are paying, what level of risk you are exposed to, and whether your current plan aligns with your goals for retirement.
Eligible funds are transferred directly from your current plan into a Fixed Indexed Annuity through a trustee-to-trustee rollover. This is a tax-free transfer, meaning no penalties and no taxable event.
Once inside the FIA, your principal is protected from market loss. Your money continues to grow based on index performance with a guaranteed floor of 0%, and your gains are locked in each year.
Fixed Indexed Annuities are not for everyone, but for the right person, they can be one of the most valuable financial tools available.
You are in your peak earning years and approaching retirement. Protecting the assets you have built is just as important as continuing to grow them. An FIA gives you both.
If you are already in retirement and relying on your savings for income, an FIA can provide guaranteed lifetime income while protecting your principal from loss.
If you have retirement funds sitting in a former employer's plan or in a traditional IRA, a rollover into an FIA could reduce your risk exposure while maintaining growth potential.
If you want your money to grow but are not comfortable with the possibility of losing 20% or more in a bad market year, an FIA gives you a way to participate in growth without the downside.
Your money is never directly invested in the stock market. A 0% floor means your account value will not decrease due to market downturns. What you have earned stays earned.
Earn interest based on the performance of a major market index like the S&P 500. You capture a portion of the upside without any of the downside risk.
Your money grows tax-deferred inside the annuity, meaning you are not paying taxes on your gains each year. This allows your money to compound faster over time.
Many FIAs offer optional income riders that provide a guaranteed stream of income you cannot outlive, no matter how long you live or how the market performs.
FIAs allow you to name beneficiaries directly. This means the proceeds pass to your loved ones without going through the probate process, saving time and legal fees.
In many states, assets held inside an annuity receive some level of protection from creditors and legal judgments. This can be an important part of a comprehensive asset protection strategy.
No. Your money is never directly invested in the stock market. The insurance carrier uses a market index, like the S&P 500, as a benchmark to calculate the interest credited to your account. Your principal remains with the insurance company and is protected by their general account.
Nothing happens to your account value. The 0% floor means that in any year the index performs negatively, your account is simply credited 0% for that period. You do not lose any of your principal or previously credited gains.
A cap rate is the maximum amount of interest that can be credited to your account in a given period. For example, if the cap rate is 8% and the index goes up 12%, you would be credited 8%. This is the tradeoff for having the 0% floor protection. Cap rates vary by carrier and product.
Yes. A direct rollover (also called a trustee-to-trustee transfer) from a qualified plan like a 401(k), 403(b), TSP, or traditional IRA into a qualified FIA is not a taxable event. The funds move directly between custodians without you ever taking possession of the money.
Most FIAs allow you to withdraw up to 10% of your account value annually without any surrender charges. Many also offer penalty-free access in cases of terminal illness, nursing home confinement, or other qualifying events. Specific terms vary by contract.
FIAs are issued by insurance companies and backed by their general account reserves. We work exclusively with A-rated carriers that have decades of financial stability. Additionally, each state has a guaranty association that provides an extra layer of protection for annuity holders.
Every situation is different. Book a free consultation and we will review your current retirement plan and show you exactly how a Fixed Indexed Annuity could work for you.
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