Protect Your Retirement Savings — Without Giving Up Growth Potential

Independent, California-licensed guidance on Fixed Indexed Anuities — designed for pre-retirees who want protection from market losses while still seeking growth.

Get My California FIA Fit Check

Schedule a 15-Minute Strategy Call

Independent advisor • Multiple carriers • No obligation • California licensed

If This Sounds Like You, Keep Reading:

  • You watched 2020 or 2022 shake portfolios

  • You’re within 5–10 years of retirement

  • You don’t want another 30–40% drawdown

  • You want steady planning, not speculation

  • You’re tired of “just ride it out” advice

What Is a Fixed Indexed Annuity?

A Fixed Indexed Annuity (FIA) is:

An insurance contract that may credit interest based on the performance of a market index (such as the S&P 500®), while protecting against market losses in the indexed strategy.

You are not directly invested in the market.

When the index goes up, you may receive credited interest (subject to caps, spreads, or participation rates).

When the index goes down, indexed strategies typically credit 0% — not negative.

Important: Guarantees are backed by the issuing insurance company’s claims-paying ability.

Why California Clients Consider FIAs

Downside Protection

Indexed strategies are designed so market losses do not directly reduce your contract value.

Growth Potential

Interest can be linked to index performance — without direct stock exposure.

Optional Lifetime Income

Some contracts offer riders that can provide lifetime income (fees and terms apply).

Tax-Deferred Growth

Earnings grow tax-deferred until withdrawn (non-qualified funds).

The Tradeoffs

FIAs are not for everyone.

Before purchasing, you should understand:

  • Surrender periods (often 5–10 years)

  • Annual free withdrawal limits (typically 10%)

  • Caps, participation rates, or spreads limit upside

  • Rider fees (if income features are added)

  • Withdrawals taxed as ordinary income

  • 10% IRS penalty before age 59½ (if applicable)

  • Not FDIC insured

  • Not a direct market investment

If an FIA isn’t appropriate for you, I’ll tell you.

Why Work With an Independent Advisor in California?

Unlike captive agents, I am not limited to one company.

That means:

I compare multiple insurance carriers

I review surrender schedules side-by-side

I evaluate income riders objectively

I focus on suitability — not quotas

I help you understand renewal rate risk

California requires clear disclosure and suitability standards — and I welcome that.

How the Process Works

Step 1: Fit Check (10 Minutes)

We evaluate timeline, liquidity needs, tax considerations, and income goals.

Step 2: Carrier Comparison

If appropriate, I present multiple contract options with clear explanations.

Step 3: Implementation (Only If It Makes Sense)

No pressure. No obligation.

Get Your California FIA Fit Check

Answer a few quick questions and see if an FIA could make sense for your situation.

Form Fields:

  • First Name

  • Email

  • Phone

  • Age Range

  • Years Until Retirement

  • Primary Goal:

    • Protect Principal

    • Generate Lifetime Income

    • Conservative Growth

    • Unsure / Exploring

See My Options

Small print:

Your information is confidential and never sold.

FAQ

Can I lose money in an FIA?

Indexed strategies are designed not to credit negative interest due to market performance, but withdrawals, fees, or surrender charges can impact value.

Is this the same as investing in stocks?

No. You are not directly invested in the index and do not receive dividends.

What’s the biggest drawback?

Limited upside and liquidity restrictions during the surrender period.

Are FIAs good for everyone?

No. They’re generally better suited for conservative investors within 5–10 years of retirement.

Compliance Footer (California Appropriate)

This content is for informational purposes only and is not a recommendation to purchase any specific product. Fixed Indexed Annuities are long-term insurance contracts and may not be suitable for all individuals. Withdrawals may be subject to ordinary income tax and, if taken before age 59½, an additional federal tax penalty. Early withdrawals may incur surrender charges and reduce benefits. Index performance does not include dividends. Guarantees are backed by the claims-paying ability of the issuing insurance company.

“Retirement Risk Reduction Review”