Fixed & Indexed Annuities
Annuities have evolved. These arent the ones your grandfather bought.
Today's fixed and indexed annuities combine guaranteed protection with market-linked growth helping you grow your savings safely and predictably.
The rules of retirement have changed.
Traditional portfolios ride the ups and downs of the market.
CDs and bonds barely outpace inflation.
Modern annuities are designed to fill that gap giving you upside potential with protection from loss.
Growth.
Protection.
Flexaility.
Earn interest based on stock-market performance without owning stocks.
When markets fall, your gains stay locked in.
Know that your money is safe, your income is secure, and your plan stays on track.
Modern Indexing prevents withdrawing during market downturns
Sequence of returns risk is the danger of taking withdrawals while the market is down — early losses can compound and make it difficult to recover. With modern indexing, your gains lock in annually, so even if the market falls, your next year starts from your last high, not a new low. That helps protect your income stream when timing matters most.
Why sequence risk matters
- Two investors can earn the same average return yet end with very different results.
- Losses early in retirement hurt more than losses later.
- Indexed strategies help keep your income on track even after market dips.
Who uses Annuities Today?
Lock in gains before you start income withdrawals.
Earn more without sacrificing safety.
Turn your savings into guaranteed lifetime income.
You've heard the rumors. Today's annuities are built differently.
- Myth: “Annuities have huge fees.”Reality: Many modern annuities have no annual fees and include optional benefits only when you need them.
- Myth:“You lose access to your money.”Reality: Most contracts include free annual withdrawals and flexible terms. You're not locked in forever.
- Myth:“Returns are low”Reality: Index strategies can track global markets with participation rates that share in the upside while keeping your principal protected.
Ready to see what a modern annuity could do for you?
We'll walk you through how these products really work with no pressure and no jargon.
