Fixed Index Annuities

RIAs who aim to protect clients against downside risk may leverage next-gen, commission-free fixed index annuities (FIAs) available on the RetireOne platform. Allocations are made via crediting methods that follow indexes like the S&P 500, or the Russell 2000. Investors may capture market upside via these crediting methods, while protecting their investments from market losses.

Bear in mind that withdrawals above the annual allowable amount, generally 10%, may be subject to surrender penalties, and a market value adjustment (“MVA”). Also, upside may be limited by caps or participation rates set by the insurance company.

Because growth potential is limited, fixed index annuities are fairly conservative investments that may be used to complement fixed-income allocations in client portfolios.


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Our licensed experts will review a client annuity, service an existing account, or simply present an overview of the RetireOne platform.