Fixed Index Annuities in Florida with Growth Potential and Principal Protection

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How It Works

What a fixed index annuity does

An FIA credits interest based on an external index. If the index rises, you get a portion of that gain. If the index falls, your credit can be zero but your account does not drop from the market. No stock ownership. Just index linked math. It sits between a fixed annuity and the stock market and can help you keep pace with inflation without white knuckles.

Features That Matter

Key terms we compare

Caps, participation rates, and spreads set your upside. Some contracts offer multiple index choices. Many add optional income riders for a future paycheck. I compare these side by side so you see real outcomes, not just marketing lines. If you prefer simple guaranteed interest, read about fixed annuities and we will compare both paths.

Is It A Fit

Who should consider an FIA

Good fit if you want better potential than a CD and cannot afford market losses. Plan on a multi year commitment. Most contracts allow about ten percent free withdrawal each year. For people who want a pension style paycheck later, we can attach a rider or pair the FIA with lifetime income planning so the bills get paid on schedule.

Straight Answers

FAQ for fixed index annuities

  • What returns should I expect?

    Mid single digit averages are common over time, with wide variation by design and markets.

  • Do FIAs have fees?

    The base design often has no explicit fee. Riders do. We will make costs clear.

  • Can I get money out each year?

    Usually up to a free amount. It is a long term tool, not a checking account.

Balance Your Plan

Grow and protect your retirement

Bring statements and your income target. I will show how an FIA can fit with Social Security and savings so you sleep at night.