No Market Risk.
No Guesswork.
Just a Worry-Free
Retirement.
Turn your savings into a lifetime income stream with a Fixed Index Annuity
No Market Risk.
No Guesswork.
Just a Worry-Free
Retirement.
Turn your savings into a lifetime income stream with a Fixed Index Annuity
No Market Risk.
No Guesswork.
Just a Worry-Free
Retirement.
Turn your savings into a lifetime income stream with a Fixed Index Annuity
Custom-fit Retirement Strategy
Lifetime Income Security
Market Protection & Growth
Guaranteed Spousal
Coverage
Approaching Retirement… But Unsure If Your Savings Will Last?
You're probably asking yourself...
- What if my retirement savings run out before I do?'
- How can I ensure I have steady income in retirement
- Will my pension and 401(k) be enough to maintain my lifestyle?
- How do I reduce the taxes I’ll owe on my withdrawals?
- What if medical expenses drain my retirement savings?
Without the Right Plan...
- Market crashes erase savings
- You could outlive your money
- Inflation shrinks your buying power
- Taxes drain your retirement
There's a Better Way!
At Retirement Income Shield, we help retirees and pre-retirees secure their future with Fixed Index Annuities — so you can enjoy retirement without financial worry
A Secure Retirement in 3 Easy Steps
With a simple, stress-free process, we help you protect your retirement savings, grow your wealth, and secure guaranteed income for life.
Schedule a Consultation
We'll understand your needs and retirement goals
Get a Customized FIA Plan
We’ll design an annuity strategy that fits you
Enjoy Guaranteed Income for Life!
Have peace of mind knowing your money is safe
With over 30 years of experience in retirement planning and fixed indexed annuities, our team at Income Shield Retirement is committed to helping you protect what you’ve worked hard to build. We bring deep industry knowledge, personalized service, and a clear understanding of how to create steady, reliable income for your retirement years. 
Your Future is in Experienced Hands
Licensed and Independent Advisors
We work for you, not the insurance companies.
Decades of Success Helping Clients
Over 30 years of success helping clients protect and grow their savings.
Client-First
Approach
Your goals, values, and peace of mind guide everything we do.
Transparency & Integrity
Integrity, transparency, and long-term trust are at the heart of our advice.
Licensed and Independent Advisors
We work for you, not the insurance companies.
Decades of Success Helping Clients
Over 30 years of success helping clients protect and grow their savings.
Client-First
Approach
Your goals, values, and peace of mind guide everything we do.
Transparency & Integrity
Integrity, transparency, and long-term trust are at the heart of our advice.
Never Worry About Running Out of Money
Enjoy a Guaranteed Income Stream
Leave a Financial Legacy for Loved Ones
Retire Stress-Free, Knowing Your Savings Are Secure
Retirement isn't just about the money.
It's about your quality of life.
We provide a custom-fit retirement plan that can provide lifetime income, so you can retire stress-free. No market risks, no guesswork—just a secure future and the freedom to enjoy what matters most.
Our Trusted
Insurance Partners
We work with some of the most reputable and financially strong insurance carriers in the industry to offer you the best Fixed Indexed Annuity solutions. These trusted partners help us provide secure, growth-oriented retirement strategies tailored to your unique needs—so you can retire with confidence.
We're built to help clients like you!
Retirement Income Shield, we specialize in protecting your hard-earned savings and creating guaranteed income for life. We serve individuals who want financial security without market risk.
If any of these describe you, we’re here to help:
âś… Pre-Retirees (Ages 50-65)
Preparing for retirement and looking for a safe, reliable income strategy.
âś… Retirees (65+)
Wanting guaranteed lifetime income and protection from stock market downturns.
âś… 401(k) & IRA Owners
Ready to roll over their retirement savings into a safer, tax-efficient plan.
âś… Conservative Investors
Seeking steady growth without stock market risk.
âś… Widows & Widowers
Looking for financial stability and income they can count on.
âś… Pension Holders
Wanting to supplement their pension with additional guaranteed income.
âś… Business Owners & Self-Employed
Needing a secure retirement plan without market volatility.
âś… Looking to Rollover a Qualified Plan
Have you had a change of employment or recently retired?
âś… Anyone Who Values Peace of Mind
Wanting to retire with confidence, knowing their income is secure for life.
Learn About Fixed Income Annuities
FAQ
1. What is a Fixed Index Annuity (FIA)?
A Fixed Index Annuity (FIA) is a financial product designed to provide retirement income. It offers principal protection, potential growth linked to a market index (like the S&P 500), and guaranteed lifetime income options without direct market risk.
2. How does a Fixed Index Annuity grow my money?
FIAs grow through interest credits based on the performance of a market index. However, your money is not directly invested in the market, meaning you won’t lose principal due to market downturns.
3. Are Fixed Index Annuities safe?
Yes. FIAs are protected against market losses because they offer a guaranteed minimum interest rate and never lose value due to market declines. They are backed by highly regulated insurance companies.
4. What are the benefits of a Fixed Index Annuity?
- Protection from Market LossesTax-Deferred Growth (you don’t pay taxes on gains until you withdraw)Guaranteed Lifetime Income OptionsPotential for Higher Returns than Traditional Fixed AccountsNo Contribution Limits (Unlike IRAs or 401(k)s)
5. Can I lose money in a Fixed Index Annuity?
No, you will not lose principal due to market declines. However, if you withdraw money early or before the surrender period ends, surrender charges and fees may apply.
6. How does a Fixed Index Annuity compare to the stock market?
FIAs provide growth potential without stock market risk. Unlike stocks, you are not directly investing in the market, which means you won’t experience market losses—but you also won’t see the full gains of the market.
7. When can I start withdrawing from my annuity?
Most FIAs allow withdrawals after age 59½ without penalties. Some contracts offer income riders that allow earlier withdrawals, but surrender charges may apply if withdrawals exceed the annual free withdrawal limit.
8. What happens to my annuity when I pass away?
Most FIAs include death benefits, meaning the remaining value of your annuity goes to your beneficiaries. Some contracts even allow for spousal continuation so your spouse can receive income.
9. Are there fees associated with Fixed Index Annuities?
Most FIAs do not have upfront fees, but some may have rider fees if you add income guarantees or long-term care benefits. Always review the contract details.
10. Who should consider a Fixed Index Annuity?
FIAs are great for individuals who:
Get Guaranteed Income for Life—Talk to an Expert!
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