Turn market volatility into stable income and peace of mind.
A fixed indexed annuity (FIA) is an insurance contract that protects your principal from market losses while allowing you to earn interest linked to a stock market index. Unlike variable annuities or direct market investments, you never lose money due to market declines—your account is credited with zero in down years and earns a portion of gains in up years.
Many retirees and pre‑retirees in the Coal Region are uncomfortable with unpredictable stock markets but still need growth to combat inflation. FIAs provide:
Annuities are long‑term contracts. They often have surrender periods and caps or spreads that limit the amount of interest credited. They should be evaluated alongside pensions, Social Security and other assets. We help you compare annuity options to determine if an FIA fits into your broader retirement plan.
If you’re concerned about outliving your savings or want to protect your nest egg from a market crash, let’s talk. We’ll explore strategies that can provide income stability without sacrificing growth potential.
Book a Call