As retirement approaches, many individuals face the same pressing concern: how to generate reliable retirement income without exposing their savings to stock market risk. At Advanced Capital Management in St. Petersburg, we help clients protect and grow their retirement assets using smart, conservative strategies—including Fixed Index Annuities (FIAs).
What Are Fixed Index Annuities?
Fixed Index Annuities are insurance contracts designed to offer growth potential with downside protection. Unlike variable annuities or direct market investments, FIAs are not invested in the stock market. Instead, your account earns interest based on the performance of a chosen market index (like the S&P 500), up to a cap or participation rate—but your principal is protected from losses.
Why Retirees Choose Fixed Index Annuities
- Guaranteed Principal Protection – Even during market downturns, your initial investment is shielded from loss.
- Tax-Deferred Growth – Interest compounds tax-deferred until you begin withdrawals, allowing faster accumulation.
- Lifetime Income Options – FIAs can be paired with lifetime income riders, offering predictable monthly income you can’t outlive—ideal for filling income gaps in retirement.
- Market-Linked Growth – When markets rise, you participate in gains—without taking on the full risk of downturns.
- Peace of Mind – You don’t have to time the market or worry about volatile swings. Your retirement income plan stays intact.
Who Benefits Most from FIAs?
FIAs are particularly well-suited for pre-retirees and retirees who:
- Are concerned about outliving their savings
- Want retirement income without stock market risk
- Prefer conservative, predictable financial strategies
- Want to supplement Social Security, pension, or 401(k) income with a guaranteed stream
At Advanced Capital Management, we work with each client to identify whether a Fixed Index Annuity fits their broader financial and retirement income strategy.
Let’s Talk About Your Retirement Goals
Your retirement income shouldn’t be left to chance—or to the whims of the market. If you’re looking for secure, tax-advantaged income that lasts a lifetime, it’s time to explore how Fixed Index Annuities may benefit you.
Schedule your free consultation with Advanced Capital Management in St. Petersburg today. Let’s create a plan that gives you financial confidence and long-term income security.
Call us: 727-542-7659
Book online: Schedule a Retirement Consultation
