Protect Your Gains
Participate in market growth without the risk of market losses. Your principal is always protected.
Growth Without the Risk of Loss
Fixed index annuities (FIAs) offer a compelling proposition: the opportunity to participate in stock market gains while being completely protected from market losses. Your principal is guaranteed — the worst you can do in any given year is earn 0%.
This makes FIAs particularly powerful for people approaching or in retirement, where a major market loss can permanently damage a retirement plan. With a FIA, you can keep money in a growth-oriented vehicle without the sleepless nights that come with direct market exposure.
Deborah works with multiple highly-rated carriers to find the FIA with the best combination of growth potential, income options, and financial strength ratings.
The FIA Mechanism
You deposit funds
You move a portion of your retirement savings into a fixed index annuity.
Growth is index-linked
Your account earns interest based on a market index like the S&P 500, subject to a cap or participation rate.
Gains are locked in annually
At the end of each crediting period, gains are locked in and can never be taken back by market downturns.
Your floor is always 0%
If the market drops, your account simply earns 0% for that period — you never lose principal.
Principal Protection
Your original deposit is guaranteed. Market downturns cannot reduce your principal.
Index-Linked Growth
Earn interest based on S&P 500 or other index performance, subject to caps and participation rates.
Lifetime Income Option
Add an income rider to convert your accumulation into guaranteed income you can never outlive.
Ready to Protect Your Retirement Savings?
Deborah will compare FIA options from multiple carriers and explain how each one works before you make any decision.
Protect What You've Worked For
Deborah will help you find the right fixed index annuity to protect your gains and grow your retirement savings safely.