Retirement should feel like a reward – not a risk.
You’ve worked hard for decades, made smart decisions, and now it’s time to enjoy the fruits of your labor. But if the thought of another market downturn keeps you up at night, you’re not alone. Protecting your nest egg is one of the most critical aspects of preparing for retirement – and that’s where a Fixed Indexed Annuity’s (FIA) benefits shine.
In this guide, we’ll break down what a Fixed Indexed Annuity is, why it’s a powerful choice for retirees, how it can protect and grow your retirement savings, and the exclusive FIA benefits we offer at Jacobs Financial Services.
What Is a Fixed Indexed Annuity (FIA)?
A Fixed Indexed Annuity is a retirement savings product that combines the stability of traditional fixed annuities with the potential growth of market-linked investments – without direct exposure to market risk.
Here’s the magic formula:
- Your money is not directly invested in the stock market.
- Your returns are linked to the performance of a market index (like the S&P 500).
- You receive a guaranteed minimum interest rate – even if the market underperforms.
- Your principal is protected from losses.
It’s like getting front-row seats to the market’s greatest hits without worrying about the crashes.
Why Fixed Indexed Annuities Are a Smart Retirement Strategy
Let’s face it: today’s market is more unpredictable than a squirrel on espresso. If you’re within a decade of retirement – or already living it – you can’t afford to take big risks with your money.
Here’s why a Fixed Indexed Annuity (FIA) may be the secret weapon in your retirement plan:
1. Market-Linked Growth, Without the Risk
You get to enjoy a share of the market’s upside while knowing your principal is 100% protected from downturns. In times of volatility, that’s a game-changer.
2. Protection You Can Count On
FIAs offer downside protection, meaning your account value won’t drop due to market losses. This is ideal for retirees who want consistency and confidence in their financial plan.
3. Guaranteed Income for Life
Many FIAs offer income riders that provide guaranteed lifetime income, no matter how long you live or how the market performs.
4. Tax-Deferred Growth
Because your gains grow tax-deferred, you avoid paying taxes until you begin withdrawals, which can help your money grow faster.
Fixed Indexed Annuity benefits from Jacobs Financial Services
At Jacobs Financial Services, we believe your retirement strategy should be as unique as you are. That’s why we offer hand-picked Fixed Indexed Annuities with exclusive bonus features to match your specific financial goals.
🔹 Legacy Enhancement
Want to leave more behind for your loved ones – without leaving them overwhelmed? This strategy is designed with legacy planning in mind.
- 45% Immediate Bonus: Instantly increase the amount your beneficiaries will receive.
- Structured Payouts: Funds are distributed over time to your heirs, helping prevent poor financial decisions and protecting the legacy you’ve built.
🔹 Income Security
If your top priority is lifetime income, this strategy is built for sustainable retirement cash flow.
- 10% Immediate Bonus: Boost your starting balance right away.
- Guaranteed Growth: Choose between 8.25% simple interest for 7 years or 6.25% compounded growth for up to 20 years.
- Lifetime Income: Start your guaranteed income after just one year – perfect for those approaching retirement quickly.
🔹 Growth with Safety
For those focused on growing their savings while keeping flexibility and control, this option delivers.
- 14% Upfront Bonus: Amplify your investment from day one.
- Zero Fees: No hidden charges or management costs – your money works for you, not the other way around.
- Flexible Access: Enjoy up to 20% liquidity, even during the surrender period, so you’re never fully locked in.
Who Should Consider a Fixed Indexed Annuity?
A FIA isn’t for everyone – but it’s ideal for those who:
- Want to preserve capital while still enjoying growth potential
- Are nearing retirement or already retired
- Need guaranteed income for life
- Are tired of market volatility
- Want to leave a legacy with control and care
If you nodded “yes” to even one of those, it’s time we talk.
Let’s Build a Safer, Smarter Retirement Plan
At Jacobs Financial Services, we’re committed to helping you build a future that’s stable, secure, and stress-free. Whether you’re looking to grow your savings, lock in guaranteed income, or leave a meaningful legacy, our Fixed Indexed Annuity solutions have you covered.
Ready to secure your retirement and protect what you’ve built? Let’s talk. Book your free consultation today and take the first step toward a worry-free financial future.
