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Can an FIA (Fixed Indexed Annuity) Protect You from Market Losses?

Can a fixed indexed annuity provide market-linked growth without exposing your principal to market losses? In this episode of Retirement Income School, Dr. Amanda explains how FIA downside protection works and the trade-offs that come with it. You’ll learn about 0% floors, caps, participation rates, rate locks, fees, surrender periods, and renewal rate integrity. Dr. Amanda also walks through FIA software examples to illustrate available crediting strategies, hypothetical contract values, liquidity provisions, and the role an FIA may play as the protected portion of a retirement portfolio.

Timestamps:

00:00 Can an FIA protect you from market losses?
01:15 Why market downturns matter in retirement
02:28 Sequence-of-returns risk
04:36 How predictable income may support retirement
05:11 How a fixed indexed annuity works
05:40 FIA software walkthrough
07:16 Fixed accounts and index allocation options
12:30 Roth-friendly FIA considerations
15:00 Guaranteed and hypothetical contract values
17:23 Three potential downsides of FIAs
20:31 Who may be a good fit for an FIA
21:00 Final considerations and next steps

📅 Want to Find Out More?:
Schedule a Q&A Call with Dr. Amanda

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www.RetirementIncome.School

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www.youtube.com/@RetirementIncomeSchool

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www.retirementsolutionsfinancial.com/guaranteed-income-blueprint

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Email: DrAmanda@RetirementSolutionsFinancial.com
LinkedIn: @RetirementIncomeSchool

About Dr. Amanda

Amanda Barrientez | PhD, RICP®, RSSA®, NPN #19460436
IBC Practitioner®, Ed Slott's IRA Advisor Group Member®
Court of the Table Member MDRT®

Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone.

She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence.

⚠️ DISCLAIMER

The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.