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Why Retirees Are Moving Their Money Into Annuities
The Stock Market Is More Overvalued Right Now Than It Was Before Every Major Crash in History
Every time this indicator spiked, the market crashed 25%+. It has never been higher than right now.
Every time the indicator spiked above 100%, the market crashed 25%+.
The Buffett Indicator compares the total value of the stock market to the size of the actual economy. Warren Buffett himself called it the single best measure of whether stocks are overpriced. Right now it's at 211%. That's higher than before the dot-com crash, higher than before 2008, and higher than before the 2022 crash.
Source: GuruFocus, March 2026; CurrentMarketValuation.com
The more you know going in, the more you'll get out of the call.
In 2008, Millions of Retirees Lost Half Their Savings and Had to Work Until Their 70s to Survive
| 401(K) RETIREMENT ACCOUNT | Quarterly Statement | Account Holder: Alan M., Age 62 |
|---|---|---|
| Period | Balance | Change |
| Jan 2008 | $500,000 | — |
| Jun 2008 | $420,000 | -$80,000 |
| Oct 2008 | $340,000 | -$80,000 |
| Mar 2009 | $285,000 | -$55,000 |
| Total Loss | -$215,000 |
Alan, age 62: Lost nearly $200,000. Had to work until 72. His dream of retiring at 63 was destroyed.
Kathleen: Watched her retirement account drop from $64,000 to $27,000. She said it crushed any hope of resting at 65.
Terry and Donna: Their 401(k) dropped 40%. Terry, in his 60s, ended up making lattes at Starbucks and greeting people at a funeral home.
Source: CBS 60 Minutes, "The 401(k) Fallout"
The Dot-Com Crash Took 7 Years to Recover. The 2008 Crash Took 5. If the Next One Hits Tomorrow, How Long Can You Afford to Wait?
If you retired at 62 in 2000, you didn't recover until age 69
If you retired at 62 in 2008, you didn't recover until age 67
After 2008, it took over five years for the market to recover. The dot-com crash took seven years. If you were 62 when the crash hit, you weren't getting back to even until you were 67 or older. Five more years of working when you were supposed to be traveling, spending time with your grandkids, and actually living your life.
In 2008, the Average 401(k) Lost 38%. One Group of Retirees Lost Exactly 0%.
What happened to your money in the market vs. protected in a fixed indexed annuity
Based on actual S&P 500 price-only returns 2007–2012. FIA modeled with 50% participation rate, 6% annual cap, 0% floor, annual point-to-point crediting. Matches the 3.27% avg annualized FIA return reported by Advantage Compendium for this period.
While millions of Americans watched their retirement accounts fall apart, people who had moved a portion of their savings into a fixed indexed annuity before the crash didn't lose a penny. Their principal was protected. While their neighbors were panicking, they were sleeping fine.
Source: TIAA Institute / CRA, 2024. Fixed indexed annuities are insurance products, not investments. Guarantees backed by the financial strength and claims-paying ability of the issuing insurance company.
What to Expect on the Call
It's a conversation
A friendly chat about your goals, your timeline, and what matters most to you.
It's free
No cost, ever, for the call or the matching. You won't be asked to pay a thing.
It's no-pressure
You decide what, if anything, makes sense. There's no obligation of any kind.
Before the call
You'll get a reminder so it's easy to remember.
At the start
A friendly intro and a few questions about your goals.
During
Your advisor explains options that may fit your situation.
After
You decide your next step, with no obligation.
Common Questions
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