Achieved 40% net portfolio growth in 3 years through disciplined wealth management.

Client Profile

• Name: Sarah (Age 58)
• Situation: 7 years from retirement
• Assets: $600,000 in brokerage and retirement accounts
• Primary Concern: “I want growth, but I can’t afford a major loss this close to retirement.”

The Challenge

After experiencing significant losses during previous market downturns, Sarah became more risk-aware. She wanted:

• Continued growth potential
• Protection against market losses
• A plan to secure future retirement income

The Strategy

We implemented a risk-managed annuity strategy designed to balance growth and protection:

1. Fixed Indexed Annuity (FIA)
   • Allocated $300,000 into an FIA linked to market indexes
   • Provided 0% downside risk during market declines
2. Income Rider for Future Security
   • Built a guaranteed income base that grows annually
   • Option to activate lifetime income at retirement
3. Diversified Portfolio
   • Remaining assets stayed invested for higher growth potential

The Outcome

• Protected principal: No losses during market downturns
• Market-linked growth: Captured gains during positive years
• Future income secured: Projected $2,200/month lifetime income at age 65

Sarah gained peace of mind knowing her retirement is no longer fully exposed to market swings, while still participating in growth opportunities.

Key Takeaway

Fixed indexed annuities can provide a powerful combination of downside protection and growth potential, making them ideal for pre-retirees managing risk.

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