Fixed Indexed Annuities

Using Fixed Indexed Annuities as an Asset Class

For readers who lost 40-50-60% when the stock market crashed from 2007 to March of 2009, for those who lost significant asset values during the topsy-tuvery period in 2022/2023, or those who would like to avoid those kinds of losses and volatility in the future, they should find this material very interesting.

This website page covers the basics of Fixed Indexed Annuities (FIAs) and it will give you a glimpse as to why we use FIAs as an asset class for many clients in our portfolios.

Why use FIAs? Because they can have the following characteristics:

100% principal protection (your money will never go backward due to negative returns in the stock market).

Positive gains in a stock index are locked in every year (minus dividends).

An Income Account Value* (not walk away value) that could provide a guaranteed lifetime income you can never outlive.*

Does a wealth-building tool with the above-mentioned characteristics interest you? 

With proper asset allocation using FIAs as a wealth-building tool, the pain of stock market crashes can be mitigated. Unfortunately, the vast majority of advisors giving stock and mutual fund advice do NOT use FIAs to help their clients (meaning many consumers may be taking too much risk in their portfolios).

Product changes

There are a number of different FIAs in the marketplace with and without guaranteed income riders in the marketplace. These products change periodically and the goal of this page is to make readers aware that these products exist and a cursory explanation of how they work.

More information? 

If you would like to talk with our firm to learn more about the specific FIAs available in the market today or talk with us about how we use FIAs in our portfolios, simply email or give us a call at 206-803-6216.  We’d be happy to schedule a time for a future call, Zoom-type, or in-person meeting.

*Any guarantees mentioned are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to caps, restrictions, fees, and surrender charges as described in the annuity contract.

Interested in discussing what YOUR comprehensive plan might look like?

If you would like to discuss your individual situation and get a sense of what an overall comprehensive plan might look like, simply email or give us a call at 206-803-6216.


Prepare wills and trusts
Evaluate insurance needs
Review cash flow budgets


Emergency fund
Liquid investments
Start building portfolio


Wealth accumulation
Pay college expenses
Start a business


Sell a business
Leave an estate

Let's Answer
Your Questions

To learn more about our management philosophy and whether it may fit in with what you are trying to accomplish with your investible dollars.

Error: Contact form not found.

Reach Your Goals Now

Ready to learn more about AS Wealth Management and why we may be a good fit to accomplish your financial and/or retirement planning goals?
Give us a call
Email us
Serving the USA
Back to top