Fixed Indexed Annuities & Guaranteed Income
What are Annuities?
We Protect against
Retirement Poverty.
We help retirees and pre-retirees avoid the #1 retirement fear in America—running out of money.
Simply put, it’s a self-funded personal pension plan. An annuity is a financial product designed to provide a steady income stream, typically used for retirement. Through Cornerstone Legacy Partners, you invest a sum with a guaranteed return, allowing you to receive periodic payments for a specified time or for life.
There are many annuity solutions that provide upside growth with downside protection.
Imagine going to Vegas, and you participate in all the wins but avoid the losses!
This strategy helps secure your financial future, ensuring a stable income when you need it most.
We will help you navigate between all the different types of annuities from MYGA's, SPIA's & DIA's, to Fixed & Fixed Indexed annuities.
We will decipher which ones are leveraged for Income and which one's leverage for Accumulation.
There are creative options for IRA's and 401k rollovers.
Always ask yourself-
"What is the purpose of this money and what do you want it to accomplish?"
FAQ's
frequently asked questions
Explore our faqs or reach out to understand how our financial guidance works.
"Aren't annuities full of hidden fees and high expenses?"
The high-fee reputation comes almost entirely from Variable Annuities, which often bundle administrative costs, sub-account management fees, and mortality charges averaging 2% to 4% or more annually.
At Epic Wealth Consultants, we specialize in Fixed Indexed Annuities (FIAs). Most core FIA contracts carry zero annual management or advisory fees. If you choose to add an optional lifetime income rider to guarantee a compounding payout base, the rider fee is typically modest (around 1%) and fully disclosed up front. You will never encounter hidden management costs or unexpected invoice charges.
"What happens to my money when I die? Does the insurance company keep it?"
No. Your money belongs to your family. The idea that the insurer keeps your balance is based on outdated "single-life immediate payout" structures from decades ago.
With modern Fixed Indexed Annuities, 100% of your remaining principal and accrued index gains pass directly to your designated beneficiaries, completely bypassing probate court. The insurance company never takes your remaining balance unless you intentionally elect an antiquated life-only contract—which we virtually never recommend.
"Will my money be completely tied up if an emergency happens?"
An annuity should never hold 100% of your net worth, but your assets are far from locked away.
Virtually all modern fixed indexed contracts allow penalty-free annual withdrawals of up to 10% of your total contract value each year, typically beginning after your first contract anniversary. Furthermore, top-tier contracts include waivers for nursing home confinement, terminal illness, or adult day care, allowing full penalty-free access to your funds if a qualifying health emergency arises.
"Can I roll over an existing 401(k) or IRA without triggering taxes or penalties?"
Yes. You can move funds directly from a traditional 401(k), 403(b), traditional IRA, or Roth IRA using a direct, custodian-to-custodian rollover.
This process is 100% tax-free and penalty-free. The funds retain their exact qualified tax status, meaning you pay zero income tax on the transfer while immediately putting downside principal protection and guaranteed income options in place.
"What if the insurance carrier goes out of business?"
Life and annuity companies operate under fundamentally different regulatory standards than commercial banks:
Dollar-for-Dollar Legal Reserves: Unlike banks, which lend out client deposits under fractional reserve rules, annuity carriers are legally mandated to hold dollar-for-dollar reserves (often backing $1.05 to $1.10 in high-grade liquid reserves for every dollar placed).
Independent Credit Ratings: We only partner with highly rated carriers (A.M. Best "A" or better) backed by multi-billion-dollar balance sheets.
State Guaranty Associations: Every state maintains statutory guaranty associations providing additional statutory protection limits for policyholders.
"Won't my returns lag far behind the stock market?"
Annuities are not designed to beat equities in a runaway bull market—they are engineered to win by never taking a loss.
When you enter retirement, your primary threat is Sequence-of-Returns Risk—the danger of suffering a 20% to 40% market crash just as you begin withdrawing income. Fixed indexed annuities link your growth to major market indices (such as the S&P 500) with a contractual 0% floor. When the market drops 30%, your balance stays flat. When the market recovers, your gains lock in permanently. Zero is your baseline defense.
"How will an annuity protect me against inflation over a 20- or 30-year retirement?"
Annuities combat inflation in two powerful ways:
Growth Potential Above Fixed Cash: Unlike bank CDs or traditional fixed-rate products that offer low yields, indexed interest credits give your money the potential to outpace inflation by participating in market index uptrends without downside risk.
Freeing Up Growth Capital: By locking in a contractual floor of guaranteed lifetime income that covers your essential living expenses, you can keep the remainder of your wealth invested in long-term equities without the fear that a temporary market dip will disrupt your daily lifestyle.
Ready to See What an Income Guarantee Looks Like for You?
We believe in math, not sales pitches. Schedule an informal, 15-minute consultation to run a custom illustration based on your current retirement savings, age, and retirement timeline.
Every Family has a financial story. What do you want yours to be?
Whether you want to lock in your retirement income, protect your family from catastrophic healthcare expenses, or explore institutional partnerships—we are here to guide you.
Empowering retirees and pre-retirees to eliminate the fear of outliving their money. Through contractual guarantees, asset-based healthcare defense, and tax-advantaged legacy design, we ensure your hard-earned wealth is protected through every market cycle.
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