One of Our

Three Core Principles:

Safety First

Safety First!

Safe Retirement Income

Above all, we believe that safety is the most important factor, which makes or breaks a retirement strategy. This is why it’s our most important priority when deciding if we want to recommend a product.

Earlier, during your working years, you can afford to take more risks. If the stock market drops, so do your finances. But, when it’s your retirement savings that are impacted, it doesn’t matter yet. You have time on your side. You’ll make it back by the time retirement comes. But once you’re getting closer to, or even entering, your retirement, and you’re going to stop working, this means you’ll now need that money. So, if the stock market takes a hit, so does your only source of income. This is why having a safe place for your money is especially important when you’re nearing retirement.

You want to stay protected, regardless of market conditions.

portrait of smiling senior couple with their arms around each other safe retirement income

How to Create Safe Retirement Income

Many people invest in the stock market via their 401(k), 403(b), IRA, or other retirement strategies when building wealth. Theoretically, this works. But it’s not the best strategy as you near retirement and your risk tolerance (possibly) changes.

With this in mind, you’ll need to make sure that your principal is protected. If you’re counting on a certain level of income in retirement, you’ll need to make sure your principal is protected. Fixed indexed annuities (FIAs) might be a way to do this.

plant growing out of pile of coins safe retirement income with annuities


All things considered, the right type of annuity, specifically, the right setup for a fixed indexed annuity, might be the ideal way to create a safe retirement income. Our team can meet with you to help determine if an FIA is right for you. Unlike many retirement accounts, you don’t have to pay taxes on the money until you withdraw it. Additionally, it grows based on the performance of an index but doesn’t lose value if the index goes down. Interested yet? Reach out.

Preventing Losses is Key

The bottom line? Safe retirement income starts with preventing losses. If you’re looking for safety, reasonable rates of return,** and a simple and less stressful retirement strategy, than an FIA just might be right for you. If not, there are a few other products we can recommend. Reach out to us to learn more.