Service 01
Fixed Indexed Annuities
Fixed, multi-year guaranteed, and income annuities are insurance contracts — a paycheck from an insurer, not a market bet.
Most people arrive at retirement with a pile of savings and a question they never had to answer at work: how does this become a paycheck?
A fixed indexed annuity is a contract with an insurance company. In exchange for a premium, the insurer promises a rate, a future income stream, or both — backed by that company’s claims-paying ability. Immediate, deferred, and multi-year guaranteed designs all live in this family. So do fixed indexed contracts used for a living-benefit paycheck. They are insurance products. They are not stocks, not mutual funds, and not variable annuities.
The plan starts with the bills that do not go away, then layers Social Security, any pension, and annuity income so the floor is covered. Because this practice is independent, the design is not limited to one carrier’s shelf.
Educational guides
Read more on this
PDF · 2 pages
Sequence of Returns Risk
Two retirees, the same average return, very different endings. Why order matters — and how guaranteed income can take the paycheck off the market’s calendar.
Open guidePDF · 6 pages
Annuities 101
A plain-language foundation for protected income: what an annuity is, how it works, fixed vs. fixed indexed, and the myths that get in the way.
Open guidePDF · 2 pages
Retirement Income Basics
Protected income vs. probable income, and a three-step way to see whether Social Security, a pension, and an annuity cover the bills.
Open guidePDF · 2 pages
The Safety of Annuities
How legal reserves, surplus, parent companies, and state guaranty associations stand behind an annuity contract — layer by layer.
Open guidePDF · 3 pages
Planning for Long-Term Care
What care costs, what it does to caregivers, and four ways to fund it: linked-benefit life, linked-benefit annuity, accelerated life, and traditional LTC.
Open guide