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Investing can feel a lot like riding a Roller Coaster.

Volatility is an investment term that describes when a market or security experiences periods of unpredictable, and sometimes sharp, price movements. People often think about volatility only when prices fall, however volatility can also refer to sudden price rises too. There is plenty to unnerve markets and cause volatility, from changes in commerce to politics, to economic outcomes and corporate actions.  When investors are prepared at the outset for episodes of volatility on their investing journey, they are less likely to be surprised when they happen, and more likely to react rationally. By having the mindset that accepts volatility as an integral part of investing, investors can prepare themselves and remain focused on their long-term investment goals.

But unlike the Stock Market you don't leave a Roller Coaster ride upside down.

A Fixed Annuity is like an Up Escalator. Your Income can go Up but never Down.

Fixed indexed annuities (FIAs) address many basic retirement concerns: protection of hard-earned dollars, tax-deferred growth, balance, and lifetime income. Get some peace of mind — no matter what happens in the market. Consider these five key benefits:

  • Guaranteed Income Stream: Fixed indexed annuities (FIAs) are designed with guaranteed lifetime income so you can never outlive your earnings.

  • Diversification of Portfolio: Designed for the long term, fixed indexed annuities (FIAs) are a great retirement vehicle to ensure you are not putting all your eggs in one basket. FIAs offer the ability to make some money, without the risk of losing it.

  • Principal is Secure: Even with market volatility, investors will not lose value on their fixed indexed annuities. Your savings aren’t exposed to market fluctuations, so even in a negative market return, interest credited will never fall below zero. You can never lose your interest once it’s credited to your principal.

  • Predictable Earnings: Fixed indexed annuities offer predictable income. Choosing an FIA is an efficient way to plan for your future because no matter what happens in the market, you can count on payments throughout your golden years.

  • Tax-Deferred Growth: Fixed indexed annuities (FIAs) offer long-term tax-deferred savings. As long as your money stays in the annuity, you will not be taxed on interest earnings. Once you receive a payout, the annuity is taxed as ordinary income.

What ride do you want to go on?

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Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs 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. FIAs 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.