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Writer's pictureJacob Lock

Why a Fixed Indexed Annuity (FIA) Was the Right Move for Amy's Retirement

In 2018, Amy, a 58-year-old from Florida, was staring at her 403(b) account from her years at Florida University.


She had worked hard and saved $500,000, but with retirement just around the corner, she couldn’t shake the fear of market downturns wiping out her nest egg.


That’s when she found a Fixed Indexed Annuity (FIA).


It turned out to be exactly what Amy needed to protect her savings while still giving her a chance for growth.


Here’s how it worked for her—and why it might work for you too.


1. Amy Didn’t Lose a Dime When the Market Dropped


Amy didn’t want to see her savings take a hit every time the market had a bad year. With a 0% floor in her FIA,


Amy was able to sleep at night knowing that no matter what happened in the market, she wouldn’t lose a penny.


Fast forward to 2020—a year of market turbulence.


While others saw their portfolios take a hit, Amy’s $500,000 was safe. She didn’t make money that year, but she didn’t lose any either.


For Amy, the protection was priceless.


2. She Still Had Room for Growth


Amy didn’t want to completely miss out on market gains either. With her FIA, she was able to track the performance of the S&P 500.


This meant that when the market performed well, her account value could grow.


In 2021, when the market bounced back, Amy saw her savings increase—without the anxiety of risking it all. No, her returns weren’t the same as someone directly investing in stocks, but she had no regrets. The steady growth and the peace of mind were worth it.


3. Guaranteed Income for Life


Amy had one big goal in mind: making sure she wouldn’t outlive her savings. After all, she had worked hard to build that 403(b).


With her FIA, she was able to turn her savings into guaranteed income for life. No matter how long she lives, Amy will receive a steady paycheck in retirement.


For her, knowing she had a reliable stream of income took the worry out of retirement planning.


4. Tax-Deferred Growth


Another thing Amy liked about her FIA? The tax-deferred growth. She didn’t have to pay taxes on her earnings until she started taking withdrawals, allowing her money to grow even faster over time.


Amy was happy to delay those taxes and let her savings grow. She liked seeing her money work harder for her.


5. It Was Simple and Stress-Free


Amy wasn’t looking for a flashy, high-risk investment. She wanted something simple and steady.


An FIA gave her exactly that. No market anxiety, no guessing games—just protection, steady growth, and guaranteed income for the rest of her life.


If you’re like Amy—wanting to protect your retirement savings but still looking for growth opportunities—consider a Fixed Indexed Annuity.


It’s not complicated. It’s not risky. But it works.


And for Amy, that made all the difference.


Want to see if an FIA could work for your retirement savings?


Let’s talk. I’d love to help you create a plan that fits your future, just like we did for Amy.



Contact Jacob to learn more...

260-278-8981









CEO & Founder of unLocked Financial

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