In Huntsville, Alabama, a couple in their late 50s just proved that smart retirement planning isn’t about taking wild risks—it’s about making the right moves at the right time.
Meet Jimmy and Jane.
Jimmy spent nearly three decades working for one of America’s top tire manufacturers. After 29+ years of dedicated work, he made a major career and financial decision. At age 55, he left the tire company and took a position at a major lumber and paper company based in the Southeast. But the smartest move wasn’t the job change—it was what he did with his money.
Jimmy invested $200,000 from his lump sum pension into the Nationwide Peak 10 fixed indexed annuity (FIA) in April 2023. That decision changed the trajectory of his and Jane’s financial future.
16.76% Growth in Two Years—Without Stock Market Risk
Fast forward two years. Jimmy is now 57 and his annuity account value has grown by 16.76%. That’s right—not through volatile stocks, but through a fixed indexed annuity product designed to grow steadily and protect principal.
Here’s the power of the NWP10 FIA:
- 20% Immediate Bonus: When Jimmy purchased the annuity, his income account value instantly increased by $40,000—from $200,000 to $240,000.
- 8% Guaranteed Interest Each Year on the Income Account: After two years of deferral, his income account has already grown to $278,400.
- The NWP10 FIA ACCOUNT VALUE is set to grow to $1,212,650 by the time Jimmy turns 67
- Projected First-Year Income at Age 67: $54,867
Jimmy isn’t touching the money yet. He and Jane both plan to continue working—Jimmy until age 67 and Jane until 61. By deferring withdrawals, they’re allowing the annuity to grow safely and predictably without worrying about a market crash or bond value fluctuation.
The Power of Planning Ahead
But Jimmy didn’t stop with one annuity. He knew the importance of having a multi-layered income strategy. So, he diversified using another fixed indexed annuity—the North American Charter Plus 14.
- He invested a total of $405,000:
- $200,000 from his lump sum pension
- $205,000 rolled over from his previous 401(k)
- Projected account value at age 67: $1,347,717
- Estimated income in his first retirement year: $94,290
Combined, the two FIAs are projected to provide reliable and increasing income that’s not subject to market losses.
What Makes Fixed Indexed Annuities Like the NWP10 and Charter Plus 14 So Attractive?
Let’s break it down simply:
- Principal Protection: Jimmy and Jane are not exposed to market volatility. Their account values won’t drop when the stock market dips.
- Guaranteed Growth: The income account grows by a guaranteed rate—8% in Jimmy’s case—as long as withdrawals are deferred.
- Immediate Bonus: Upfront incentives like the 20% bonus instantly increase the retirement value.
- Predictable Income: These products are built to generate lifelong, increasing income, ideal for retirement budgeting.
- No Interest Rate Risk: Unlike bonds, these FIAs are not vulnerable to rising interest rates.
A Real-World Example of What’s Possible
Jimmy and Jane’s story isn’t hypothetical. It’s a real, practical example of how strategic annuity planning can generate seven-figure growth and dependable retirement income.
From $605,000 to over $2.52 million in estimated total account value in just over a decade—with zero exposure to financial market risk. Jimmy started in his mid 50s, you might want to get started right away too. Most manufacturing professionals want to invest in something they can count on. They are wary of chasing returns in the financial markets with significant market risk.
Most importantly, Jimmy and Jane have now created peace of mind. No more worrying about stock market crashes or what the Federal Reserve might do with interest rates.
Instead, they’re focused on working, enjoying their lives in Huntsville, and looking forward to a retirement funded by smart, safe decisions.
Want Your Own Retirement Growth Story?
If you’ve worked hard for decades like Jimmy, you deserve to protect your savings and turn it into reliable income—without gambling it away in the market.
Whether you’re 55, 60, or even already retired, you can still create a similar path of growth and security.
Call our office toll-free at 1-888-814-0304 to speak with a retirement income specialist who can help you take the first step. We’ll review your current plan and explore if a strategy like Jimmy and Jane’s fits your situation. You can also send me an email at ford@activewealth.com.
Secure your future. Build your retirement with predictability. Start today.
