The Future of Retirement Isn’t a 401(k) — It’s Strategy.
Fixed Indexed Annuities (FIAs): Where Protection Meets Growth.
FIAs aren’t a “bonus option.
The old model says: contribute to a 401(k), pray the market behaves, and hope taxes don’t destroy your retirement.
The new model says: protect your money, grow it tax-efficiently, and build retirement income that actually lasts.
The new model says: protect your money, grow it tax-efficiently, and build retirement income that actually lasts.
FIAs aren’t a “bonus option.” They’re the missing wealth engine 401(k)s were never designed to be.
📌 For businesses → This is the benefit upgrade that attracts and retains top talent.
📌 For individuals → This is how you build wealth without gambling your future on the stock market.
📌 For individuals → This is how you build wealth without gambling your future on the stock market.
Why FIAs Matter Right Now
Market-linked upside, zero market loss
✔ Tax-deferred growth without 401(k) limits or penalties
✔ Guaranteed lifetime income options (pension-style)
✔ No fees or low fees depending on plan design
✔ A smarter way to reposition taxable, exposed money into protected, compounding assets
✔ Tax-deferred growth without 401(k) limits or penalties
✔ Guaranteed lifetime income options (pension-style)
✔ No fees or low fees depending on plan design
✔ A smarter way to reposition taxable, exposed money into protected, compounding assets
Wall Street sells risk.
FIAs sell strategy, leverage, and protection.
FIAs sell strategy, leverage, and protection.
401(k) ≠ Retired.
FIAs fix what 401(k)s fail to do.
Offset. Replace. Reinforce.
FIAs are the wealth buffer your 401(k) has never been.
FIAs are the wealth buffer your 401(k) has never been.
Tax-Engineered Options
1
Tax-Efficient Strategies
The most innovative solutions help minimize your tax burden and keep more of your hard-earned money.
2
Tailored Advice
Our experienced team works closely with you to develop a personalized plan that aligns with your unique financial needs.
3
Retirement Readiness
Prepare for a secure and comfortable retirement with tax-engineered options.
401(k) ≠ Retired.
FIAs fix what 401(k)s fail to do.
Offset. Replace. Reinforce.
FIAs are the wealth buffer your 401(k) has never been.
FIAs are the wealth buffer your 401(k) has never been.
1035 Exchange: Move Your Money. Skip the Taxes.
If your money is sitting in a taxable, low-performance, or high-risk vehicle, a 1035 exchange allows you to transfer it tax-free into a smarter annuity.
✅ No IRS penalties
✅ No taxable event
✅ No lost momentum
✅ Immediate upgrade in tax efficiency + protection
✅ No taxable event
✅ No lost momentum
✅ Immediate upgrade in tax efficiency + protection
Stop letting the IRS and volatility eat your future.
BOLDHer Tax-Engineered Retirement Solutions
Because retirement planning shouldn’t be basic. Or taxable. Or left to chance.
We design strategies for:
🔹 Employees & executives
🔹 Small-business owners & 1099 earners
🔹 School districts & non-profits
🔹 High-income earners tired of losing money to taxes
🔹 Anyone who wants income that outlives them
🔹 Employees & executives
🔹 Small-business owners & 1099 earners
🔹 School districts & non-profits
🔹 High-income earners tired of losing money to taxes
🔹 Anyone who wants income that outlives them
This isn’t “set it and forget it.”
This is engineered wealth architecture.
This is engineered wealth architecture.
What FIAs Deliver That the Market Can’t
✔ Protected principal — your money cannot lose value due to market drops
✔ Linked to index growth — without ever being in the market
✔ Optional lifetime income rider — paycheck for life
✔ No contribution caps — grow wealth without IRS ceilings
✔ No late-withdrawal 10% penalty at 59½ when structured correctly
✔ Can be used for retirement, legacy, business, or tax strategy
✔ Linked to index growth — without ever being in the market
✔ Optional lifetime income rider — paycheck for life
✔ No contribution caps — grow wealth without IRS ceilings
✔ No late-withdrawal 10% penalty at 59½ when structured correctly
✔ Can be used for retirement, legacy, business, or tax strategy
This is not a mutual fund.
This is not a CD.
This is not a savings account.
This is a retirement chassis built to outlive emotions, elections, and recessions.
This is not a CD.
This is not a savings account.
This is a retirement chassis built to outlive emotions, elections, and recessions.
For Businesses & Organizations
Offer FIAs as:
✅ A recruiting advantage
✅ A retention benefit deeper than a 401(k) match
✅ A tax-efficient compensation strategy
✅ A non-ERISA benefit — no compliance burden
✅ A retirement benefit employees actually understand and value
✅ A recruiting advantage
✅ A retention benefit deeper than a 401(k) match
✅ A tax-efficient compensation strategy
✅ A non-ERISA benefit — no compliance burden
✅ A retirement benefit employees actually understand and value
Your staff deserves more than “good luck in the stock market.”
For Individuals
If you:
🔹 Don’t trust the market
🔹 Want tax-free or tax-advantaged retirement income
🔹 Want to protect what you’ve already earned
🔹 Are tired of “grow, crash, repeat” cycles
🔹 Want a paycheck for life without working for it
🔹 Don’t trust the market
🔹 Want tax-free or tax-advantaged retirement income
🔹 Want to protect what you’ve already earned
🔹 Are tired of “grow, crash, repeat” cycles
🔹 Want a paycheck for life without working for it
→ An FIA is not optional. It’s required.
Ready to Protect the Future You’re Working For?
One final truth:
Retirement is not about how much you accumulate.
It’s about how much you keep, protect, and can spend for life.
It’s about how much you keep, protect, and can spend for life.
FIAs make that possible.
Wall Street never will.
Wall Street never will.
Connect with Portia BOLDHer SHE-EO
All Professional Media Credit to Tosha Ishmon (Ishmon Productions)