No Principal Risk,

Just a Confident Retirement

Turn your retirement assets into a lifetime income stream with a Fixed Index Annuity

Get Guaranteed Income for Life!

Contact Us

No Principal Risk,

Just a Confident Retirement

Turn your savings into a lifetime income stream with a Fixed Index Annuity

No Principal Risk,

Just a Confident Retirement

Turn your savings into a lifetime income stream with a Fixed Index Annuity

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Custom-fit Retirement Strategy

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Life Income

Guarantees

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Principal Protection & Interest Growth

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Guaranteed Spousal  Coverage

A clearer view of your retirement paycheck

Will Your Retirement Income Last as Long as You Do?

Use our free Retirement Income Gap Calculator to see whether your guaranteed income may cover your monthly expenses — and where a protected income strategy could help.

Start My Free Calculator Request a Retirement Income Shield Review

Free educational tool • No obligation • Takes only a few minutes

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✓
Income Gap Calculator Your retirement snapshot
1 2 3
Monthly retirement expenses $6,500
Guaranteed monthly income $3,600
Estimated monthly gap $2,900
Calculate My Income Gap →
Free Educational
snapshot
1 Start with your numbers

Free educational calculator

Get a Simple Retirement Income Snapshot

Compare your expected monthly expenses with income from Social Security, pensions, and other guaranteed sources.

1
Enter your goals Add your savings, income, and monthly retirement needs.
2
See your gap Get a clear estimate of your monthly income coverage.
3
Request a review Explore protection-focused strategies with a professional.

✓ Free educational tool • Your entries remain in your browser

✓ Identify Your Income Gap
✓ Protect Against Market Losses
✓ Create Predictable Retirement Income
✓ Plan With More Confidence

The retirement income challenge

Retirement Shouldn’t Feel Like Guesswork

Many people enter retirement unsure whether Social Security, pensions, and savings will be enough. Market volatility, rising expenses, and longer life expectancy can make income planning difficult.

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“What if the market drops?”

A downturn at the wrong time can put added pressure on savings intended to support retirement income.

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“What if I outlive my savings?”

A longer retirement can mean your assets need to support decades of monthly expenses.

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“What if Social Security isn’t enough?”

Guaranteed income sources may cover only part of the retirement lifestyle you have planned.

Protection-focused education

How a Fixed Indexed Annuity May Help

A Fixed Indexed Annuity may help retirees protect principal from direct market losses, participate in potential index-linked growth, and create optional lifetime income through available riders. Product features, limitations, and fees vary by contract.

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Principal protection

Protection from direct market losses, subject to contract terms and withdrawals.

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Tax-deferred potential

Interest may grow tax-deferred until funds are withdrawn.

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Optional lifetime income

Available riders may create income for life and can involve additional fees.

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Protection-focused strategy

One potential component of a broader retirement income approach.

Complimentary review

Request Your Retirement Income Shield Review

We can help you review your estimated income gap, market risk exposure, and options that may support a more predictable retirement paycheck.

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Common questions

Retirement Income Calculator FAQ

What is a retirement income gap?

A retirement income gap is the difference between your estimated monthly expenses and income expected from guaranteed sources such as Social Security, pensions, and other contractual income.

Is this calculator a financial plan?

No. It is an educational estimate based only on the information you enter. It is not a quote, recommendation, or comprehensive financial plan.

What is a Fixed Indexed Annuity?

A Fixed Indexed Annuity is an insurance contract that can credit interest partly based on the performance of a market index, without direct investment in that index. Terms, crediting methods, limits, and fees vary.

Can I lose money in a Fixed Indexed Annuity?

Fixed Indexed Annuities generally protect principal from direct market losses, but withdrawals, surrender charges, rider fees, and taxes can reduce contract value. Guarantees depend on the claims-paying ability of the issuing insurer.

Are annuities right for everyone?

No. Suitability depends on goals, time horizon, liquidity needs, risk tolerance, and overall financial circumstances. A licensed professional can help evaluate whether one may fit your needs.

What happens after I request a review?

A representative can contact you using the information provided to discuss your retirement timeframe, primary concerns, and educational calculator results. There is no obligation to purchase a product.

This page and calculator are for educational purposes only and do not represent a quote, guarantee, financial plan, or recommendation. Fixed Indexed Annuity features, caps, participation rates, spreads, fees, surrender charges, and income benefits vary by carrier and contract. Optional riders may involve additional fees. Please consult a licensed professional before making financial decisions.

See your retirement income clearly

Free Retirement Income Gap Calculator

Compare your expected monthly expenses with income from Social Security, pensions, and other guaranteed sources—then see whether a retirement income gap may exist.

Start My Free Calculator Request a Retirement Income Shield Review

Free educational tool • No obligation • Takes only a few minutes

Retirement-age couple looking ahead with confidence at home Plan with confidence
✓
Income Gap Calculator Your retirement snapshot
1 2 3
Monthly retirement expenses $6,500
Guaranteed monthly income $3,600
Estimated monthly gap $2,900
Calculate My Income Gap →
Free Educational
snapshot

How to Protect Your Retirement from Market Crashes with Fixed Indexed Annuities

August 20, 2025
Protect your retirement from market crashes with Fixed Indexed Annuities. Learn how they safeguard your savings, provide growth potential, and offer peace.
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How Fixed Index Annuities Work (Explained Simply)

July 21, 2025
Learn how Fixed Index Annuities work in simple terms. Discover how they protect your principal, offer market-linked growth, and provide guaranteed retirement income—without the risk of market loss.
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Why Lifetime Income Annuities Are Gaining Popularity

July 9, 2025
Why Lifetime Income Annuities Are Gaining Popularity
Show More
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Approaching Retirement… But Unsure If Your Money Will Last?

You're probably asking yourself...

  • What if the money I have saved for retirement runs 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?
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Without a Plan...

  • Market crashes erase savings
  • You could outlive your money
  • Inflation shrinks your buying power
  • Taxes drain your retirement
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There's a Better Way!

At Retirement Income Shield, We help retirees and pre-retirees build a retirement income strategy using Fixed Index Annuities, offering solutions designed to help protect assets and provide predictable income in retirement.

A Stronger Road to Retirement

in 3 Easy Steps

With a simple, stress-free process, we help you protect your retirement assets, increase your wealth  potential, and provide solutions with guaranteed income for life.

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Schedule a Consultation

We'll understand your needs and retirement goals

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Get a Customized FIA Plan

We’ll design an annuity strategy that fits you

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Enjoy Guaranteed Income for Life!

Maintain access to the retirement funds you’ve chosen to keep protected.

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Your Future is in Experienced Hands

With over 4 decades of experience in planning clients’ retirement and Fixed Index 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.

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Licensed and Independent Advisors

We work for you, not the insurance companies.

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Decades of Success Helping Clients

Over 30 years of success helping clients protect and grow their savings.

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Client-First

Approach

Your goals, values, and peace of mind guide everything we do.

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Transparency & Integrity

Integrity, transparency, and long-term trust are at the heart of our advice.

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Licensed and Independent Agents

We work for you, not the insurance companies.

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Decades of Success Helping Clients

Over 4 decades of success helping clients protect and grow their assets.

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Client-First

Approach

Your goals, values, and vision guide everything we do.

A black and white check mark in a circle on a white background.

Transparency & Integrity

Integrity, transparency, and long-term trust are at the heart of our service.

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Have the Money You Want In Retirement

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Enjoy a Guaranteed Income Stream

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Establish a Lasting Heritage for Loved Ones

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Retire with Confidence

Retirement isn't just about the money.

It's about your quality of life.

We provide a custom-fit plan for retirement the can provide lifetime income so you can retire with confidence. Protected from market risk, no guesswork - just a smarter 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 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 solutions and protection from market risk

If any of these describe you, we’re here to help:

✅ Pre-Retirees   (Ages 50-65)

Preparing for retirement and looking for a reliable income strategy.

✅ Retirees  (65+)

Wanting guaranteed lifetime income and protection from stock market downturns.

✅ 401(k) & IRA Owners

Ready to roll over their retirement savings into a protected, tax-efficient plan.

✅ Conservative Investors

Seeking steady growth without stock market risk.

✅ Widows & Widowers

Looking for added financial stability and income they can count on.

✅ Pension Holders

Wanting to supplement their pension with additional guaranteed income.

✅ Business Owners & Self-Employed

Needing a plan for retirement without market volatility.

✅   Looking to Rollover a Qualified Plan

Have you had a change of employment or recently retired?

✅ Anyone Who Values Peace of Mind

Wanting to retire with confidence, knowing their income is protected.

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Learn About Fixed Income Annuities

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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 Losses
    • Tax-Deferred Growth (you don’t pay taxes on gains until you withdraw)
    • Guaranteed Lifetime Income Options
    • Potential for Higher Returns than Traditional Fixed Accounts
    • No 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:


    1. Want protection from market downturns
    2. Seek guaranteed lifetime income
    3. Need a tax-efficient retirement income strategy
    4. Want to diversify their retirement portfolio

    If any of these describe you, we would love to help you achieve a worry-free retirment!  Click the button below to set up a free consultation.

    Get Started

Get Guaranteed Income for Life—Talk to an Expert!

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Disclosures

Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries.


Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.


This website is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note

that Luzi Insurance Services, its affiliated companies, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.


S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”). This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P® and S&P 500® are trademarks of S&P .


The purchase of an annuity is an important financial decision. You should have a full discussion with your insurance/annuity agent before making any decision.

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