Case Studies
Maximizing Retirement Potential Through a Flexible FIA Rollover Plan
In January of this year, Robert J. completed a rollover of $54,000 from his 401(k) into a Flexible Premium (FPDA) Fixed Indexed Annuity (FIA) IRA. At 59 years old, Robert set his retirement goal at 69, focusing on creating a plan that balanced growth and stability. By adding maximum annual IRA contributions and taking no withdrawals during the accumulation period, his IRA income account is projected to grow to $235,400 by retirement.
This strategy was built to help Robert achieve long-term income security while maintaining protection for his principal. By selecting a Flexible Premium FIA, he created a structure that allows him to make ongoing contributions while benefiting from index-linked performance and a built-in bonus to accelerate growth.
An important element of this plan was maximizing compounding power over the ten-year timeline. By avoiding withdrawals, Robert allowed his contributions, bonus, and credited interest to work together, strengthening his retirement outlook and supporting his future income goals.
This structured approach provided Robert with clarity and confidence in knowing that his projected income account value could reach $235,400 by the time he retires, giving him a stronger foundation for long-term planning.
Key Planning Strategies Applied to Build Retirement Strength
Robert’s plan focused on using structured financial strategies to maximize growth and flexibility:
- Rolled over $54,000 into a Flexible Premium Fixed Indexed Annuity to allow ongoing contributions.
- Added maximum annual IRA contributions to strengthen long-term retirement savings.
- Balanced principal protection with growth potential tied to indexed performance.
- Utilized a built-in bonus to boost the projected income account value.
- Designed a 10-year plan focused on steady accumulation and predictable outcomes.
Results and Insights Gained from a Structured Retirement Plan
Robert’s case demonstrates the value of a well-planned Flexible Premium FIA strategy:
- Projected income account growth to $235,400 by age 69.
- Flexible contributions combined with indexed performance support stronger accumulation.
- Principal protection ensures savings remain secure through market shifts.
- Maximizing compounding benefits by avoiding withdrawals during the accumulation period.
- A clear retirement projection offers confidence in long-term planning.