Empowering Your Financial Future
Guiding you towards prosperity with personalized financial solutions and expert advice. Specializing in 401k rollovers without stress, advisor fees, or guesswork.
Secure your retirement with confidence.
With over 18 years of experience, national recognition in publications like
Forbes, MSN Money, and Yahoo Finance, and more than $256 million secured in client retirement assets, we bring the knowledge and trust you deserve.
Our Offerings
Unlock the potential of your finances with our range of strategic financial services.
Investment Planning
Our investment experts work closely with you to create a personalized investment plan aligned with your risk tolerance and financial objectives.
Retirement Planning
Secure your retirement with a well-crafted plan. We help you build a robust financial roadmap to enjoy the golden years stress-free.
Wealth Management
Our team provides clear, personalized guidance, continuously optimizing your portfolio to maximize returns and safeguard your wealth.
Tax Planning & Optimization
Minimize your tax burden and optimize your financial strategy. We navigate complex tax regulations to maximize your savings.
Frequently Asked Questions
What Is A Fixed Indexed Annuity?
A Fixed Indexed Annuity (FIA) is an insurance product designed for retirement. It offers principal protection, tax-deferred growth, and the opportunity to earn interest based on the performance of a market index (like the S&P 500), without being directly invested in the market.
How Can A FIA Work For Me?
Unlike a 401k, which is an employer-sponsored retirement plan typically invested in mutual funds and subject to market risk, an FIA is not a market investment and offers guarantees from the company that issued the contract. It can also provide options for lifetime income, something 401ks don’t automatically include.
What Are The Fees? Are There Any Hidden Costs?
Many Fixed Indexed Annuities have no upfront fees or annual fees, unless you choose optional features (called riders) for things like enhanced income or death benefits. Some FIAs are commission-based, but those are paid by the insurance company — not deducted from your premium.
Can I Access My Money If I Need To?
Yes, most FIAs offer penalty-free withdrawals each year, starting in the first year. If you withdraw more than the allowed amount or surrender the contract early, surrender charges and tax penalties may apply. Some contracts also waive penalties for events like terminal illness or long-term care needs.
How Does This Provide Income In Retirement?
Fixed Indexed Annuities can be structured to provide guaranteed income for life, either immediately or in the future. You can choose an income rider or convert the annuity into a lifetime income stream, helping protect against outliving your money. The income amount is based on factors like your age, account value, and chosen options.
What Kind Of Returns Can I Expect?
Interest is credited based on the performance of a market index, such as the S&P 500, up to a cap, participation rate, or spread, depending on the product. When the index goes up, you earn interest; when the index goes down, you don’t lose money, but you may not earn interest for that period.
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