Case Studies
Building Retirement Security Through a Strategic FIA Rollover
In April of this year, Torrance D. made a partial rollover of $45,000 from his 401(k) into a Fixed Indexed Annuity (FIA) IRA. At 55 years old, his focus was on preparing for retirement at 65 and creating a structured plan to protect and grow his savings. With a built-in bonus and no planned withdrawals, the projected value of his account is expected to reach $112,800 by the time he retires.
This decision provided Torrance with a balanced strategy that protects his principal while allowing for index-linked growth potential. By choosing an FIA, he avoided unnecessary risks and created a framework where his savings could grow consistently while remaining secure against market volatility.
A key driver of this plan’s success is the compounding effect during the accumulation phase. Because Torrance opted against making withdrawals, his account benefits from uninterrupted growth, allowing the bonus and index performance to work together for a stronger retirement outlook.
Through this structured approach, Torrance has gained clarity, control, and confidence in his financial future. With a projected account value of $112,800, he is better positioned to enjoy retirement with greater security and peace of mind.
Key Planning Strategies Applied to Secure Long-Term Growth
The success of Torrance’s rollover came from applying smart financial planning principles designed to maximize growth and maintain stability:
- Setting clear retirement objectives and aligning them with long-term savings strategies.
- Balancing principal protection with the opportunity for index-based performance growth.
- Leveraging a Fixed Indexed Annuity to create a secure yet flexible retirement structure.
- Utilizing a built-in bonus to increase the projected value of the retirement account.
- Ensuring compliance with IRS rollover rules and maintaining contribution flexibility.
Results and Insights Gained from a Well-Structured Retirement Plan
Torrance’s experience highlights the advantages of using an FIA as part of a retirement strategy and the benefits of having a plan designed with precision and care:
- Projected account growth to $112,800 by age 65 without additional contributions.
- Protection of his initial investment while capturing potential market-linked gains
- Improved long-term financial security through disciplined, uninterrupted accumulation
- Maximizing growth potential by avoiding withdrawals during the accumulation phase.
- Gaining confidence and peace of mind with a clear projection for future income needs.