PLAN YOUR DREAM RETIREMENT.
Dreaming about your retirement can be exciting, but it requires more than dreaming. It requires thoughtful planning, as well. We recommend you have detailed conversations with your financial professional about your goals and consider these questions:
Have I saved enough?
Can I grow my assets AND protect them from market volatility? How much income can I reasonably expect to have in retirement? When can I access my money?
THE FIA EXPLAINED A Fixed Indexed Annuity (FIA) is a tax-deferred savings vehicle designed to grow your retirement savings and provide protection from market downturns. “Fixed Indexed” refers to the options available for growth. You can distribute your funds among different accounts: the fixed interest rate account, accounts based on the performance of several market indices or a combination of both fixed and indexed accounts. An FIA is protected from market downturns because it is an insurance contract, not a direct investment in the stock market. Unlike a direct market investment, an FIA provides guarantees. The Fixed Account provides a Minimum Guaranteed Interest Rate that will be credited to your Account Value. With the Index Accounts, your crediting rate is guaranteed never to be less than zero, even if the index you’ve chosen goes down.
HERITAGE INCOME ADVANTAGE - CONSUMER GUIDE
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