Case Studies
Accelerating Retirement Savings Through FIA Rollover Planning
In October of last year, Lauren S. rolled over $273,600 from her 401(k) into a Fixed Indexed Annuity (FIA) IRA. At 53 years old, Lauren set her retirement goal for 67 and wanted a plan designed to maximize long-term growth potential while protecting her principal. With a built-in bonus and no withdrawals during the accumulation period, her IRA income account is projected to grow to $787,900 by retirement.
Lauren’s strategy focused on taking advantage of index-linked performance without exposing her savings to unnecessary market risks. By using an FIA structure, she created a predictable and disciplined plan for retirement preparation.
Key Planning Strategies Applied for Stronger Retirement Growth
- Rolled over $273,600 from a 401(k) into a Fixed Indexed Annuity IRA.
- Utilized a built-in bonus to amplify account value projections.
- Designed a 14-year accumulation period focused on steady growth.
- Choose an FIA structure for principal protection and growth opportunities.
- Opted for no withdrawals to maximize compounding benefits.
Results and Insights
- Projected income account value of $787,900 by retirement age 67.
- FIA strategy protects principal while enabling long-term performance potential.
- Higher contributions combined with index performance accelerate growth.
- A structured approach simplifies future income planning.
- Clear projections provide confidence in achieving retirement readiness.