“It Is Possible to Get Market-Like Gains Without Having to Sacrifice Your Principal Balance, All While Getting Every Penny Insured AND Having the Option For a Lifetime Income, Using the Account Strategies On This Page.”

So… What’s the Story?

This account was created by Congress for Congress in 1995, and they did it because they wanted the best of both worlds… they wanted the security of fixed accounts, with the high return possibilities of the variable markets. 

If you’re reading this, chances are that you’ve been in the market for over a decade or two. And if that’s true, then you’ve definitely seen your fair share of market crashes. 

And every time a crash happened, you probably heard what all of my clients used to hear… 

“Hang in there, it’ll come back… it always does.”

And while that may be true, there always comes a point in time when you simply can’t hang in there anymore. 

Not because you don’t want to, but because you simply can’t. 

I’ll explain what I mean by that in a little bit. 

And that’s true… the market always does bounce back… but if the client is already in their retirement, they don’t have the luxury of simply waiting for their account losses to recover. 

If a client is in retirement, that means they’re using their retirement money. And variable accounts simply aren’t the best strategy for them. 

Thankfully, there’s a much better plan that’s backed by the biggest insurance companies in the world… and it doesn’t force you to settle for mediocre returns that barely catch up with inflation. 

And to understand just how powerful these accounts are, we need to first understand what qualifies as a variable account. 

What is a Variable Account?

Just like the name implies, a variable account is an account with a rate of return that varies. 

It’s usually attached to one of the major stock markets: Dow Jones, S&P 500, Nasdaq, Hang Seng, etc. 

When the market makes money, your account makes money.
When the market loses money, your account loses money. 

Most advisors don’t really promote the latter part of that pairing, however. They focus on the historical gains and sell their clients on the lavish lifestyle and prestige that comes with owning one of these accounts. 

The most commonly known variable accounts or variable plans are: Mutual Funds, 401ks, 403bs, 457s, Traditional IRAs, ROTH IRAs, Variable Annuities, Variable Universal Life, and Market-Linked CDs. 

Another feature about these plans that isn’t properly disclosed – if ever – is the management fee that is attached to every single one of them. 

The technical fee name is Assets Under Management (AUM) or Money Under Management (MUM) fee. 

And every single one of the accounts listed above has this fee. 

Yes, even the 401k. 

I’ve literally had clients go to war with me over their 401k because they think that it doesn’t have fees. And I’ve sat next to them while they called their 401k administrator, and helped them ask the proper questions, and low and behold, there is a management fee. 

This fee is charged on top of your account balance – whether or not your account makes money. 

It’s usually between 1.5%-3% depending on the account and the company that administers your account. 

So, if you have $200,000 in your account, you’re getting charged anywhere between $3,000-$6,000 as a fee every single year. Whether or not you make money.  

Meaning if you had a bad year and your account lost 15%, they’re still going to take that 1.5%-3% from you. 

That’s the magic of variable accounts. 

And finally, we have the least talked about feature of these plans – and I mean the grand majority of my clients aren’t even aware of this until it’s too late. 

And that’s the mandatory withdrawals that you have to make at a certain age. 

Mandated Withdrawals – RMD’s

Every person who opens a 401k or IRA knows about the age that they can withdraw money without having to pay any penalties. 

That age is 59.5. 

If you withdraw money before that age, you typically get charged a 10% penalty. 

If you withdraw after that age, no penalty. 

All of my clients knew this. 

What my clients didn’t know was what would happen if you didn’t take money out of your 401k or IRA after you turned 59.5. 

Here’s what I mean… 

Let’s say you’re planning to retire at 70 years old. Most retirees are healthier than ever, and 70 is the new 60. 

And the year that you turn 70, the market suffers a loss. Kind of like what happened in 2022. That year, the S&P lost 18%, and the Nasdaq lost 33%.  

If you had $200,000 in your 401k, and you lost 33%, that would mean you lost $66,000.
And your new account balance would be $134,000.
And to recover from that loss, you would need to get a return of 49%, just to break even. 

It took about 2 years for the Nasdaq to recover. So, you would be 72. 

Now, let’s say because you just broke even and you’re still a bit scared from the loss that your account took, you don’t want to make a withdrawal from your account until you get some more gains. 

Well, Most variable accounts – 401ks, IRAs, 403bs – have a stipulation in them that requires that you start making withdrawals from your account by a certain age.

This is called the Required Minimum Distribution (RMD) law. 

The RMD law mandates that the account holder – you – take out minimum distributions from your account when you hit 72 years old.

This number used to be 70.5, but the IRS increased it to 72 to give account holders more time to recuperate their losses. 

Once the account holder hits that age, they must take distributions out of their account because Uncle Sam wants his fair share of taxes. 

Let’s say your IRA balance is $200,000. A 5% RMD would equal $10,000. 

So, let’s say that your minimum withdrawal amount is $10,000 for that year. 

You take out the $10k, and Uncle Sam will take something between 15%-30% of that amount as taxes. 

If you don’t take out your $10k minimum withdrawal, then Uncle Sam will take 50% of that amount as a penalty… $5k. 

So whether or not you decide to take a withdrawal, he’s going to get his cut. If you take the withdrawal his cut is less, if you don’t take the withdrawal his cut is more. 

That’s how the RMD law works. 

Now, here’s the kicker. 

Let’s say for that same year, the market was absolute garbage. It was negative 20%. 

Your $200k account balance that just got back to $200k after its loss a couple of years ago took another hit of $40k, bringing you back down to $160k. 

But now your RMDs are active.

By law, you would still have to take a 5% RMD from your balance, which would equate to $8k. 

If you choose not to take that RMD, then Uncle Sam will take a $4k penalty from you anyway.

In my world, we call that a slap in the face. 

It adds an insult to injury that only an entity like the IRS is capable of. 

Unfortunately, the pain doesn’t stop there.

Your Estate Is Under Attack, Too. 

Let’s say that for whatever reason, God forbid, you pass away that year. 

And let’s say that you’ve declared your children to be the beneficiaries of your IRA – as any decent parent would do.

You’d expect that your children would get that $160k, right? 

Welp… there’s something called Estate Taxes.

Which means, Uncle Sam would take 50% of your IRA balance, leaving your children with $80k. 

But wait… there’s more. 

There’s something else called Probate. 

Which essentially locks up the remaining $80k, and leaves your children with the only option of fighting the government to get that inheritance. 

Can you imagine, having to deal with the loss of one of the most dear people in your life AND having to fight the cutthroat and vicious IRS at the same time? 

These are the problems that riddle the average retiree in America today.

And probably the saddest part of the whole thing is that the grand majority of retirees have no clue that it doesn’t have to be this way.

Yes, there’s a solution. 

The bain of Uncle Sam’s Existence

In 1995, a new type of retirement plan was created to literally solve all of the problems you just saw. 

This new plan was created by politicians, for politicians. (Go figure)

They didn’t want to worry about market crashes taking out giant chunks of their retirement.  

They didn’t want to worry about RMD’s eating away their money. 

They didn’t want to leave any of their assets to Uncle Sam. (Yes, even politicians hate Uncle Sam)

So, they all came together to commission the creation of this unique retirement plan. They went to the biggest companies in the world to make this happen – insurance companies. 

Insurance companies own banks, technology companies, and pretty much every other type of company that you can think of. They have very deep pockets. 

This plan would protect their money from any and all future market crashes. It would do this by offering a contractual guarantee of 0%. Meaning if the market ever went below 0% – or lost money – they would simply stop at 0% and just ride the crash out until the market recovered. 

And once the market recovered, they would participate in the gains of the market to a certain extent. Since the insurance companies never do anything for free, a portion of the market gains would go to the insurance company, and the rest would go to the account holder. 

If the market returned 20%, the insurance company would get 6%, and the account holder would get 14%. 

Not a bad deal, especially when you consider that the account holder would never get any losses. 

But here’s where the deal got really sweet – for the account holder, I mean.

Once it was time for using the money – or the distribution phase – the insurance company would then pay the account holder a fixed income – in the form of a fixed interest payment – for the rest of their life. 

And since the account was opened with an insurance company, when the account holder would finally kick the bucket and leave this life, all of their assets would be paid to the beneficiaries tax free, very much like a life insurance settlement. 

So, What Is This Amazing Plan?

An Indexed Annuity.

You may have heard of annuities in general, but an Indexed Annuity is the cream of the crop. 

Fixed annuities were the first type of annuity to be created. 

They would offer a fixed rate of return, an income for life, and estate protection. 

But the fixed return was usually low, and people were seeing how much money the stock market was making, and got greedy. 

Then came the variable annuity. 

It would return the same returns as the stock market, but it had pretty hefty fees. 

It would still offer an income for life, and estate protection, but during the down years of the market, the fees that were being charged on top of the market losses didn’t make sense to retirees. 

So, finally, those clever little politicians got together and provisioned the Indexed Annuity – also known as a hybrid annuity. 

The Indexed Annuity would offer a fixed feature – the 0% floor rate – and the option to participate in the gains of the market up to a certain extent. 

It would still offer the income for life and the estate protection. 

This account was so good, that politicians held it close to their chests for as long as humanly possible. 

The banks would never promote them, because they could make more money selling variable products and collecting exorbitant fees. 

Insurance companies would never advertise them because of the same reason. 

The only way that consumers would ever find out about Indexed Annuities would be through an individual broker – like me. 

And I’m licensed and contracted with over 30 of America’s best Indexed Annuity carriers to make them compete for your business.

However, there is a qualification process. 

Indexed Annuities are long term plans and require a certain minimum amount of liquid assets from the account holder. 

And there is a minimum opening balance requirement of $1,000 – $10K, depending on the carrier that you choose. 

That being said, you can open an Indexed Annuity by rolling over your 401k, IRA, or other retirement plans. 

You can also open an Indexed Annuity by transferring funds from a checking or savings account. 

I’m sure that you have other questions about these plans and whether or not you qualify for them, so to get all of your questions answered you can fill out the simple & easy form below and you’ll get a call from my office in the next 24 hours. 

There is no obligation to speak with me and there are zero consulting or brokerage fees. 

We’ll go through all of your questions and see if you qualify to purchase an Indexed Annuity. 

To request a call, simply fill out the easy form on this page. Once you fill out the form, you’ll get a confirmation email from me and you’ll be redirected to the next page where you can learn more about the Indexed Annuity. 

Fill Out the Form Now, And You’ll Get a Call From Me In Less Than 24 Hours.