The Problem - While most people know that the stock market is one of the greatest paths to financial security over the long run - the same folks know that this type of investing includes some major ups and downs. As people approach retirement, they may not have the time to recover from a downturn. Many people remember "The Crash of 1987, The Dot-Com Crash, The Great Recession of 2007, Covid 19 Correction" and other volatile time periods. These were reminders, that while over the long term stocks have typically provided an amazing 10%+- annual return, there are times when assets can evaporate in a very short time. The only way to recover is to not panic and sell, and be prepared to wait years for the portfolio to recover and return to growth.  One resource that some just don't have, is the time to wait for this to play out. On top of this, many folks need to start to live off their investments or tap into the principal - at exactly the worst time.

The Solution - Fixed Index Annuities are specifically designed to provide interest that is tied to the growth of various stock and other indexes. This allows one to experience results that are tied to stocks - yet offers an amazing feature - one that limits their losses in downturns. That is correct - depending on the annuity and features selected, in the event of a down year in the market, an account will have limited losses in that year - some even guarantee to never have a return below zero.  On top of this, tax deferred growth is a built-in advantage.  Further, this product can be tailored to the owner's needs including benefits such as never outliving their savings. This is a guaranty that only an insurance company could make.   

Call or text us at 702.530.9850 to discuss if a FIA  may be right for you.