“In all my 55 years on Wall Street, before I retired to do something vastly more important, I was never able to say when the market would go up or down. Nor was I able to find anybody on Earth whose opinion I would value on the subject of when it would go up and down.” Sir John Templeton Protect your retirement years from the predictable and the unpredictable. In 1918, Andrew Carnegie created the Teachers Insurance and Annuity Association of America (TIAA), a fully funded system of pensions. The financial services company was founded with a $1 million endowment from the Carnegie Foundation. It is a for-profit financial institution that provides pension and investment services mainly for teachers and their families. According to its website today it has 1.3 Trillion in assets and 5,000,000 customers. If it is good enough for the Educators of America then maybe we should re-educate ourselves to change the perception of a grossly misunderstood product in the financial services industry: Annuity "Someone's sitting in the shade today because someone planted a tree a long time ago" Warren Buffett A registered index-linked annuity, or RILA, is a specific type of annuity that relies on external market performance as measured by an index to determine return. A RILA gives you the choice of how to prioritize your growth opportunities while limiting the amount of loss you're willing to take on. You choose from multiple index options, protection levels, and other ways to achieve your potential growth. Learn More Name Email Address Phone Question Thank you! Oops! Registered Linked Index Annuities (RILA) are not suitable for all investors. RILA s permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. RILAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company. Learn How to Stay Calm Amidst Market Volatility In this ebook, we outline how to stay the course through market ups and downs. Our tips will help you anticipate, rather than fear, market movement. First Name Last Name Email Address Thank you! Oops!