Case Studies
Creating Retirement Stability Through a 401(k) FIA Rollover
In February of this year, Joseph P. completed a $151,500 rollover from his 401(k) into a Fixed Indexed Annuity (FIA) IRA. At 59 years old, Joseph planned to retire at 70 and wanted a strategy to maximize growth while reducing uncertainty. With a built-in bonus and no planned withdrawals, his IRA income account is projected to grow to $381,700 at retirement.
This approach focused on structured accumulation by securing his principal while using index-linked performance to create future income potential. By selecting an FIA, Joseph gained stability while keeping his savings positioned for growth.
Key Planning Strategies Applied to Strengthen Retirement Planning
- Rolled over $151,500 from a 401(k) into an FIA IRA for secure growth.
- Leveraged a built-in bonus to increase projected account value.
- Selected an FIA structure to balance protection and performance potential.
- Planned an 11-year accumulation period to build a steady retirement income.
- Avoided withdrawals to maximize compounding benefits.
Results and Insights
- Projected income account value of $381,700 by age 70.
- Principal remains protected while benefiting from indexed growth opportunities.
- Simplified retirement planning by consolidating savings into one structure.
- Uninterrupted growth during the accumulation period increases efficiency.
- Greater clarity and confidence in achieving retirement goals.