Free savings protection check
What happens to your savings if the market drops 30% next year?
If the market has been good to you, you have more to lose than ever. Answer six quick questions to see how much of your nest egg is exposed, what protecting it would cost you in growth, and what to ask before you move anything.
About 60 seconds · Free · No obligation
Example: $300,000, a 30% market drop
Left in the market
$210,000
Principal-protected
$300,000
- No loss of principal in down years
- Still earns some growth in up years
- Growth is capped, and the money is committed for years
Illustration only, not a quote or a promise. Real results depend on the product, your age, the amount, and current rates.
You're in your 60s or 70s
You've built real savings, and you don't have the years left to wait out a long recovery.
Your money is in the market
It's done well. That's exactly what makes you nervous about giving it back.
You still want growth
Cash and CDs feel too safe. You want protection without parking everything at zero.
What you'll find out
A clear picture in plain English, before anyone asks you for anything
How exposed you are
What a 2008-style drop would do to your savings, in dollars, at your age and amount.
What protection costs
Protecting principal means giving up some upside and some access. We show you how much, plainly.
Your next best question
Based on where your money sits now, the one thing worth checking before you move it, like rollovers or CD renewals.
An honest word
Annuities aren't right for everyone. Here's when they aren't.
You'll hear a lot of hype about annuities, and a lot of hate. The truth is in the middle. They do two jobs well: protecting money from market drops, and turning savings into income you can't outlive. Here's when to skip them.
- You don't have an emergency fund yet. Build that first.
- You'll need most of this money in the next few years. Keep it liquid.
- Social Security and a pension already cover your essential bills.
- You're carrying high-interest debt. Paying that off usually comes first.
Common questions
Is this a sales pitch?
No. The quiz and your profile are free and educational. If your situation looks like a fit, a licensed specialist can walk you through real numbers. You never have to, and nothing is bought unless you decide it makes sense.
Who would I talk to?
A licensed insurance professional who works with retirement savings and income. They show quotes side by side and explain every tradeoff in writing.
Do annuities have fees?
Some do and some don't. Simple fixed annuities often have no annual fee. Income riders and variable annuities usually do. Almost all annuities have a surrender period, meaning taking out more than a set amount in the first several years costs you. Always ask for every fee in writing.
Are annuities safe?
Fixed and fixed indexed annuities protect your principal from market losses. The guarantees are backed by the insurance company, not the FDIC, so the company's financial strength rating matters. Most states also have a guaranty association that provides some protection if an insurer fails.
What do you do with my information?
We use it to send your profile and, if your situation looks like a fit, to have one licensed specialist reach out. We don't sell your information to lead lists. You can unsubscribe any time.
See your numbers in about a minute
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