Retire Smarter, Not Riskier: Why Boomers Are Turning to Fixed Indexed Annuities

press
Written By Bailey Hames

🕒 3 min read

Retirement planning used to be simple—pensions, Social Security, and maybe a little savings on the side. But today, retirees are navigating market volatility, rising inflation, and the real risk of outliving their savings. That’s where Fixed Indexed Annuities (FIAs) come in.

FIAs are designed to offer growth potential without market risk. Unlike direct stock market investments, your principal is protected—even in a downturn. Instead, your annuity is tied to a stock market index (like the S&P 500), but never actually invested in it. If the market goes up, you get a portion of that growth. If it goes down, your account stays flat—no losses.

Even better, many FIAs offer the option of a guaranteed lifetime income, much like a personal pension. That means predictable income for the rest of your life, no matter how long you live.

Other benefits?

  • Tax-deferred growth

  • Optional death benefit for loved ones

  • Zero fees on most fixed annuity products

Retirement isn’t about chasing returns—it’s about peace of mind. And FIAs are helping Boomers retire with confidence and security.

👉 Ready to explore how an FIA could fit into your retirement income strategy?

📅 Book your free strategy session today

Bailey Hames
Next

The Secret Strategy Wealthy Families Use That You’ve Probably Never Heard Of.