For decades, retirees relied on a simple formula: save diligently, invest in the market, and live off the growth. But today's market is anything but simple. Extreme volatility, inflated valuations, and concentration risk in a handful of mega-cap tech and AI stocks have left many pre-retirees and retirees exposed to risks their parents never had to think about.
At The Legacy Council, we specialize in building guaranteed income strategies that protect your principal from market downturns while still allowing for growth — so you can retire with confidence, not fear.
Why Guaranteed Income Matters Today
Market Volatility
The stock market has experienced some of its sharpest swings in history over the past several years. A major downturn right as you begin withdrawing income can permanently damage your retirement — this is called sequence-of-returns risk.
AI & Tech Concentration
A handful of AI-linked mega-cap stocks now make up a historically large share of the S&P 500. Many retirees don't realize how much hidden risk is sitting inside their 401(k) or IRA target-date funds.
Longevity Risk
People are living longer than ever. A 65-year-old today has a real chance of living into their 90s — which means your money needs to last 25-30+ years in retirement.
Rising Cost of Living
Inflation erodes purchasing power every year. Guaranteed income strategies can include built-in growth potential to help your income keep pace with rising costs.
How We Help
Jack and Justin Seitz specialize in Fixed Index Annuities (FIAs) and other guaranteed income vehicles that allow your retirement savings to participate in market gains — without ever losing principal to market losses.
Zero Market Risk
Your principal is fully protected. If the market drops, your account value does not decrease due to market performance.
Growth Potential
Your account is linked to a market index, so you participate in gains when the market goes up — capturing upside without the downside exposure.
Guaranteed Lifetime Income
Convert a portion of your savings into an income stream you can never outlive — no matter how long you live or how the market performs.
401(k) & IRA Rollovers
We help you roll over old 401(k)s and IRAs into guaranteed income strategies — often tax and penalty free.
No cost to you: Our retirement income consultations are completely free, with no obligation. Jack and Justin are compensated by the insurance carriers, never by you.
Is Your Retirement Plan Built to Last?
If you're within 10 years of retirement — or already retired — and you're not sure how much risk is really in your portfolio, now is the time to find out. A short conversation with Jack or Justin can show you exactly where you stand and what your options are.
Request a Free Retirement Income Review
Fill out the form below and Jack or Justin will personally review your situation and explain your guaranteed income options.
Frequently Asked Questions
What is a Fixed Index Annuity?
A Fixed Index Annuity (FIA) is an insurance contract that links your growth to a market index, so you participate in gains when the market rises — while your principal is fully protected when it falls. Any interest earned locks in annually and can never be lost to future market downturns. Read our full breakdown →
Can I really not lose money in a market downturn?
With a Fixed Index Annuity, yes — your principal and any previously credited interest are protected from market losses. You never lose money due to a market decline, though returns in flat or down years may simply be $0 for that period rather than negative.
Can I roll over my old 401(k) or IRA?
In most cases, yes. A direct rollover from a 401(k) or IRA into a guaranteed income strategy is typically tax and penalty free. We handle the paperwork and coordinate directly with your current plan administrator. See your rollover options →
How much of my savings should go into a guaranteed income strategy?
There's no universal answer — it depends on your other assets, income needs, health, and risk tolerance. Jack and Justin review your complete financial picture and typically recommend covering essential expenses with guaranteed income while keeping other savings invested for growth.