Fixed Indexed Annuities

Using Fixed Indexed Annuities as an Asset Class

Fixed Indexed Annuities

For clients who lost 30-40-50-60% when the stock market crashed in 2000, 2007, and 2022.

Most broker-dealers and “fee only” advisors shun FIAs. Even many RIAs shun or don’t actively use FIAs.

We at AS WM believe in FIAs as a tool to help hedge risk and increase risk-adjusted returns.

Why use FIAs? Because they can have the following characteristics:

100% principal protection (your money will never go backward due to negative returns in the stock market).

Positive gains in a stock index are locked in every year (minus dividends).

An Income Account Value* (not walk away value) that could provide a guaranteed lifetime income you can never outlive.*

Does a wealth-building tool with the above-mentioned characteristics interest you? 

With proper asset allocation using FIAs as a wealth-building tool, the pain of stock market crashes can be mitigated. Unfortunately, the vast majority of advisors giving stock and mutual fund advice do NOT use FIAs to help their clients (meaning many consumers may be taking too much risk in their portfolios).

Product changes

There are a number of different FIAs in the marketplace with and without guaranteed income riders. These products change periodically and the goal of this page is to make readers aware that these products exist and to give a cursory explanation of how they work.

More information? 

If you would like to talk with our firm to learn more about the specific FIAs available in the market today or talk with us about how we use FIAs in our portfolios, simply email or give us a call at 206-803-6216. We’d be happy to schedule a time for a future call, Zoom-type or in-person meeting.

*Any guarantees mentioned are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to caps, restrictions, fees, and surrender charges as described in the annuity contract.

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