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Retirement confidence

Participate in market upside. Protect against the downside.

Secure retirement accounts are designed to eliminate market losses while capturing a share of market gains — and can convert savings into income that lasts as long as you do.

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  • Market upside participation
  • Principal protection
  • Transfer bonuses
Information focus
Secure Retirement
Published by
Michael Pfeil
Request path
Direct to the agent
Profile status
Active Public Profile

A clear path forward

How It Works

Start with your situation, review relevant options, and decide what fits.

  1. 01

    Inventory resources

    List savings, pensions, Social Security, and the gaps between them.

  2. 02

    Stress-test income

    Compare scenarios for longevity, market risk, and rates.

  3. 03

    Put guarantees to work

    Choose the account structure that supports the income plan.

Product education

Why This Coverage Matters

Guaranteed-income retirement planning.

Ask Michael Pfeil About This Coverage

  • Market upside participation

    Earn interest based on an external index without buying stocks directly.

  • Principal protection

    Designed so your account value doesn't decline when markets fall.

  • Transfer bonuses

    Some carriers credit a bonus — in some cases up to 15% — on money you move in.

  • Lifetime income

    Turn savings into a reliable stream for a set period or for life.

  • Tax-deferred growth

    No taxes on interest until you take money out.

  • Legacy friendly

    Death benefits can pass to beneficiaries outside of probate.

Know before you apply

Common Questions

Get plain-language context before discussing your individual situation.

How do these accounts actually work?
Two phases. In accumulation, your contributions grow tax-deferred. In distribution, you choose fixed payments for a set period, payments tied to performance, or guaranteed income for life.
What types are there?
Multi-year guaranteed accounts (MYGAs) lock a rate for the contract length, like a CD issued by an insurer. Traditional fixed accounts protect principal with annual rate resets. Fixed indexed accounts add market-linked upside with a guaranteed minimum.
How are the rates set?
The interest-rate environment drives them — higher prevailing rates generally mean higher account rates. Your age and the payout period also factor in.
What about fees?
Some accounts have no explicit fees; others charge for riders like lifetime income or long-term care. Always compare the full contract.
Who stands behind the guarantees?
The issuing insurance carrier. Every guarantee comes from the carrier's contract terms, which is why carrier strength matters.
Do I lose access to my money?
Liquidity varies by contract. Review surrender charges and free-withdrawal provisions before committing.

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