Fixed Indexed Annuities

A Fixed Indexed Annuity (FIA) combines the traditional value of guarantees, with the opportunity to earn more interest than a traditional deferred annuity. Its main feature guarantees that your money will never be lost, or go down in value, and your gains are locked-in each year. It is sometimes called a “safe money” product because it’s backed by the financial strength of the insurance carrier guaranteeing safety, income, liquidity, and tax advantages.

The interest earned on an FIA can be substantially higher because it ties the interest (return) to an external market index. In fact, this product was developed as an alternative to traditional savings vehicles because of its ability to provide greater returns. Fixed indexed annuities are useful for those who are adverse to risk in the stock market.

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At Alloy Wealth Management, we sometimes recommend them as part of a balanced portfolio when it comes to investment management and retirement planning services. However, it’s important to know that a fixed indexed annuity is not an investment, it’s an insurance product. A fixed indexed annuity is a contractually guaranteed transfer-of-risk strategy, and a non-correlated asset.

Please note: A Fixed Annuity should not be confused with a Variable Annuity. Variable Annuities are securities, sold by prospectus, and you can lose your money because you carry the risk of its performance. A Fixed Indexed Annuity is not a security, and therefore, your principal and earnings are guaranteed to never lose value as long as the insurance carrier is able to pay claims.

Fixed Indexed Annuity payments and guarantees are dependent upon the claims-paying ability of the insurance carrier.

When it comes to Fixed Indexed Annuities, you can count on Alloy Wealth Management.

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Alloy Wealth Management

Charlotte, NC

Contact Information

13840 Ballantyne Corporate Place Suite 115
Charlotte, NC 28277

Mon-Fri: 9:00 AM – 5:00 PM

Toll-Free: (800) 689-3935 | Fax: (877) 496-9797

erica@alloywealth.com

Insurance services offered through Alloy Wealth Management Inc. Investment advisory services offer through Alloy Wealth Holdings LLC dba Alloy Investment Management. Alloy Wealth Management Inc and Alloy Wealth Holdings LLC dba Alloy Investment Management are affiliated by common ownership. Alloy Wealth Holdings, LLC - DBA Alloy Investment Management is a state registered investment adviser based in North Carolina and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

The information we provide regarding tax minimization planning is not intended to, and cannot, be used by anyone to avoid paying federal, state, or local municipalities, taxes, or penalties. You should seek advice based on your particular circumstances from an independent tax advisor as tax laws are subject to interpretation, legislative change, and unique to every specific taxpayer’s particular set of facts and circumstances.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Alloy Wealth Holdings LLC - DBA Alloy Investment Management.

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