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This retirement strategy is right for you if:
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You prioritize safety over speculation. If you want the growth of market but refuse to risk losing your principal during a downturn, these strategies provide that security.
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You want to minimize your future tax bill. If you are concerned about rising tax rates, we focus on tax-advantaged tools that allow you to keep more of what you've worked so hard to build.​
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You need a paycheck, not just a nest egg. If you want to move from the uncertainty of a 401(k) balance to the peace of mind of a guaranteed, lifelong stream of income.
Frequently Asked Question
1
Will I lose money if the market crashes?
No. Both IULs and Fixed Indexed Annuities feature 0% floor, meaning your principle and earned interest are protected from market downturns. When the market goes down, your account stays level.
2
When can I access my money?
These are long-term strategies, but they offer flexibility. IULs allow for tax-free loans and withdrawals for any purpose, while most Annuities provide annual penalty-free withdrawal percentages or income riders for life.
3
How is this different from a 401(k) or IRA?
Unlike traditional plans, these strategies offer a triple play benefit: protection from market losses, tax-advantaged growth, and the ability to create a guaranteed income stream you can never outlive.
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