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Can you sort fixed indexed annuity (FIA) fact from fiction?
A common misconception is that FIAs are too complicated or complex. However, FIAs offer a simple story: growth potential, without risk of loss, due to market downturns, as well as a steady income stream in retirement.
Together, let’s uncover many of the other myths on diversification, FIAs, and more.
indexed annuities can add balance, giving you some peace of mind—no matter what happens on Wall Street. But like most financial products, they are complex. So, it’s important to understand the product and its benefits.
Because of these features, the value of your money will never decline for as long as it is in the annuity. But it can increase with a rising index, offering growth potential. Once interest is credited, it can never be lost due to interest rate adjustments or negative market fluctuations, and it may even compound.
We all want a retirement plan that is ready for anything.
Calculating goals, reevaluating strategies, and adjusting contributions are just as essential as lifestyle changes before and during retirement. Discover the b…
When thinking about retirement, what is needed for a secure and comfortable ride? Understand how fixed indexed annuities (FIAs) help to provide predictable inc…
When deciding if a fixed indexed annuity (FIA) should be part of your strategy, consider asking a financial professional these suggested retirement-related questions…
Learn the need-to-know basics of fixed indexed annuities (FIAs) in three and a half minutes
Fixed Indexed Annuities (FIAs) Find Place in Retirees’ Portfolios
Hear from retirees in a variety of life stages who have successfully added FIAs to their retirement plans.
David, a retired engineer, talks about shifting his mindset and his money from risk to safety for his retirement nest egg.
Frank, a former pastor who has been retired for years, discusses how putting funds into safe money options has allowed him and his wife to carry out their retirement.
Louise Bridges, a self-employed healthcare consultant, explains how getting out of the stock market and into indexed annuities has brought her closer to her retirement…
Like mutual funds or any managed money solution, the indices used in index interest crediting strategies may include management fees. Insurance companies employ caps, participation rates, and spreads to limit the interest credited in exchange for protection from stock market risk or losses. There may be a charge for riders.
Financial professionals and the insurance company that issues the contract must disclose any and all fees associated with annuities. They must clearly explain withdrawal charges, which may be incurred if the client surrenders the contract during the withdrawal charge period or withdraws money beyond the penalty-free amount allowed in the contract.
It makes sense that people may be apprehensive to purchase something they may not fully understand. But, if you are looking for a way to supplement your retirement portfolio with a product that can help lead you toward the happy and secure retirement you dream of, then contact me Today For a FREE consultation, and let’s discover together how a properly structured Fixed Index Annuity can round out your retirement plan.
The Indexed Annuity Leadership Council’s Retirement Planning Worksheet. Use this worksheet as a resource to help plan for your retirement by reviewing your income needs. Fill in the blanks below to see what you have currently saved, where your savings may fall short, and to see if fixed indexed annuities (FIAs) fit into your retirement plan.
Fixed indexed annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime income.
Get some peace of mind — no matter what happens in the market. Consider these five key benefits:
When you think about retirement, what are your goals? For most people, the answer is a nice balance between stability, favorite pastimes, and new adventures. Balance is also important in your financial life: between reward and risk, nest egg preservation, and growth.
Discover our most frequently asked questions about fixed indexed annuities (FIAs). Get the answers you need to help calculate your path to retirement.
Are you on track for retirement? These customizable calculators will allow you to run different scenarios and discover how small adjustments could make a big difference for your retirement future.
The IALC is committed to providing complete and factual information about the use of fixed indexed annuities (FIAs).
Let us shop from our 35+ carriers to find the best annuity product that meets your family’s unique needs!
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