Guiding families and professionals toward lasting financial security.
Fixed Indexed Annuity (FIA) - Guarantee Private Pension
At JKB Advisors Group, we help you reclaim, reposition, and revive dormant retirement assets using strategies that protect your principal, unlock hidden value, and deliver real results.
A fixed indexed annuity (FIA) with a Guaranteed Minimum Withdrawal Benefit (GMWB) gives you a predictable way to build your future retirement Income base for a steady stream of lifetime income — without the risk of actually participating in the market.
The Problem
1 in 5 Americans leave behind old 401(k)s after switching jobs
Unmanaged accounts often underperform or carry hidden fees
Many sit idle — unprotected and unoptimized — for years
Your Old 401(k) Might Be Bleeding Value — Here’s How to Fix It
The Smart Solution
Principal Protection — index-linked credits with zero market losses.
Tax-Deferred Growth — compound without annual tax drag.
Guaranteed Income — optional riders for lifetime cash flow.
Tailored Living Benefits — liquidity + legacy design.
The Bottom Line
This isn’t playing it safe. This is playing it smart.
A properly structured FIA isn’t just about defense
— it’s a deliberate move toward clarity, confidence, and control in retirement.
Performance Illustrations
Client Story:
Real Results. Real Wealth Preservation.
“At 50, I had $478,000 sitting in an old 401(k) with Vanguard - untouched and exposed to market swings. In November 2022, I rolled it into an Athene Performance Elite® Plus 10 Fixed Indexed Annuity (FIA) and received a 20% – $95,600 – bonus. Two years later, I locked in a 23.5% return — with zero market risk. Was it an anomaly? Maybe. But it was real. And it happened because I positioned myself strategically—not emotionally.”
— Mark R., Charlotte, NC | Business Consultant
If I buy an annuity, I don't have access to my money?
Many annuities allow for penalty-free withdrawals and amounts in excess of the penalty-free amount may be subject to surrender charges. Many F&G annuities include riders, at no additional charge, that give you penalty-free access to 100% of your money if you meet certain conditions in regards to terminal illness or nursing home or home health care. These liquidity features may vary by state. Talk with your independent producer for availability.
Annuities carry hidden fees.
Depending on the type of annuity you purchase (immediate, fixed or fixed indexed), your policy could have no charges. But some annuities do have surrender charges on withdrawals taken during your surrender charge period. Some plans may offer options to take a portion surrender-penalty free. Plus, some fixed indexed annuities have additional fees with optional riders for guaranteed lifetime income, a specific growth rate, wealth transfer and healthcare. These features provide more benefits and can add more value to your policy.
When I die, the insurance company keeps my remaining money.
Fixed and fixed indexed annuities that haven’t been annuitized have surrender charges waived if the annuitant dies. Any remaining account value is passed to the beneficiaries you named and usually avoids probate.
I have to pay the insurance agent out of my own pocket in order to buy an annuity.
You are not required to pay the insurance agent directly in order to buy an annuity. Your full premium is available to potentially earn interest from the annuity’s effective date. FIA products are only offered through our licensed insurance producers, who are compensated through commissions from the Insurance Company, those commissions are not deducted from the premium paid for the policy.
Annuities are tied to the stock market, so I could lose my money.
With a fixed indexed annuity, your money is not invested in the market, but it provides the potential to earn interest linked to an index. So your account value will never be credited less than zero if the index decreases. Plus your account value can grow if the index increases.
Annuities are complicated.
Annuities with a guaranteed lifetime withdraw benefit work similar to Social Security or a pension. It can guarantee you a lifetime stream of income, subject to certain conditions and assuming no excess withdrawals are taken.
