Protect Your Retirement Savings from Market Crashes
A safe money strategy that locks in gains when the market is up and protects 100% of your principal when it's down — so you never lose a dollar to a downturn again.
Everything is complimentary. No obligation.
The Hidden Risk in Your Retirement Portfolio
One Bad Year Can Ruin Everything
A 30% market drop when you're 62 doesn't just hurt — it can permanently change your retirement. Recovering from losses takes years you may not have.
Your Advisor Still Gets Paid When You Lose
Most financial advisors charge a percentage of assets under management — whether your portfolio goes up or down. Their incentives aren't aligned with your safety.
"Diversification" Didn't Save Anyone in 2008
Stocks, bonds, and mutual funds all dropped together. Diversification reduces risk in theory — but in a real crash, correlations spike and everything falls.
Market Risk vs Safe Money: What's the Difference?
See why smart retirees are choosing a safe money strategy over traditional investing.
With Stocks, Bonds & Mutual Funds…
Full Downside Exposure
When markets crash, your portfolio crashes with them. No floor.
Unpredictable Income
Withdrawal rates depend on portfolio performance. No guarantees.
Emotional Decisions
Fear causes people to sell at the bottom and lock in losses permanently.
Management Fees Compound
1-2% annual fees reduce your returns by 20-30% over 20 years.
No Principal Guarantee
You can lose some or all of your investment at any time.
With a Safe Money Strategy (FIA)…
0% Floor — Never Lose to the Market
When the index drops, your balance stays the same. Period.
Guaranteed Income Available
Add a lifetime income rider for a paycheck you can't outlive.
Remove Emotion from the Equation
No watching the market. No panic selling. Your money is safe.
No Management Fees
FIAs have no annual advisory fees. The insurance company pays the agent.
100% Principal Protection
Your money is contractually guaranteed by an A+ rated insurance carrier.
See How a Safe Money Strategy Could Protect Your Savings
Compare your options with a free, personalized illustration.
Why Choose a Safe Money Strategy?
Discover the advantages of protecting your retirement with a Fixed Indexed Annuity.
100% Principal Protection
Your savings are contractually protected. You will never lose money due to market downturns.
Lock In Your Gains
When the market performs well, your gains are credited and locked in permanently. They can never be taken back.
Guaranteed Lifetime Income
Convert your savings into a paycheck that lasts for life with an optional income rider.
No Advisory Fees
Unlike managed portfolios, FIAs have no annual management or advisory fees eating into your returns.
Tax-Deferred Growth
Your money grows without annual taxation. Pay taxes only when you take income.
A+ Rated Carrier Backing
Your money is held by insurance carriers rated A+ by AM Best — among the most stable financial institutions in America.
Is a Safe Money Strategy Right for You?
If you're within 10 years of retirement or already retired, protecting what you've built matters more than chasing returns. A safe money strategy using Fixed Indexed Annuities is designed for people who want growth potential without the risk of loss — and the peace of mind that comes with knowing your retirement is secure.
Not sure if you qualify? Complete the form below to see your options. No obligation.
Ready to Protect Your Retirement Savings?
Get a personalized analysis in minutes. No obligation, no pressure.
Market Goes Down? You Stay at Zero. Not Below.
The 0% floor is the single most important feature of a Fixed Indexed Annuity. It's a contractual guarantee from the insurance carrier: no matter what happens in the market, your account value cannot decrease due to index performance.
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Annual Lock-In
At the end of each crediting period, any gains are permanently locked into your account. They become part of your new baseline and can never be lost.
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No Sequence of Returns Risk
The biggest threat to retirees is a market crash in the early years of retirement. With a 0% floor, this risk is completely eliminated. Your withdrawals never come from a shrinking pool.
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Compound on Gains, Not Losses
Traditional investors lose years recovering from downturns. With an FIA, you skip the losses entirely — your money compounds from a higher base every year the market is up.
Why This Matters
Consider this: an investor who lost 30% in 2008 needed a 43% gain just to break even. That took until 2012 — four lost years. An FIA holder in the same period? They stayed flat in 2008, then captured gains in 2009, 2010, 2011, and 2012. By the time the traditional investor recovered, the FIA holder was already ahead. That's the power of the 0% floor.
- Never lose money to market downturns
- Lock in gains permanently each year
- Retire on schedule, regardless of markets
- Sleep at night without market anxiety
Meet Steve Montgomery
Steve Montgomery has spent over 25 years helping families across the Southeast build secure, predictable retirement income. Based in Fairfax, Virginia, Steve specializes in Fixed Indexed Annuities — strategies designed to protect your principal while capturing market-linked growth with no downside risk.
Licensed in 26 states, Steve partners with top-rated carriers including Athene, Allianz, and North American to deliver customized annuity solutions that put his clients' retirement security first. His straightforward, no-pressure approach has helped over 500 families create guaranteed income streams they'll never outlive.
25++
Years Experience
26
States Licensed
500+
Families Helped
"Your retirement income should be guaranteed — not left to chance."
Schedule Your Free Call with SteveWhat Our Clients Say
Real stories from real clients who transformed their retirement planning.
Join 500+ Families Who Chose to Protect Their Retirement
See how a safe money strategy can secure your financial future.
Frequently Asked Questions
Get answers to common questions about safe money strategies and retirement protection.
A safe money strategy uses insurance products like Fixed Indexed Annuities to protect your retirement savings from market losses while still participating in market gains. Your principal is contractually guaranteed by an A+ rated insurance carrier.
CDs and savings accounts offer fixed interest rates that rarely beat inflation. A Fixed Indexed Annuity links your growth to a market index like the S&P 500 — so you earn more in good years — while still guaranteeing you'll never lose money in bad years. Plus, growth is tax-deferred.
Most FIAs allow penalty-free withdrawals of up to 10% per year. There is a surrender period (typically 5-10 years) during which larger withdrawals may incur a fee. After the surrender period ends, you have full access to all funds.
Insurance companies are among the most regulated financial institutions in America. Your funds are backed by the carrier's reserves, and each state has a guaranty association that provides additional protection (typically $250,000+). We work only with carriers rated A+ by AM Best.
Yes. When the market index goes up, you earn a portion of those gains (up to a cap, typically 6-10%). When the market goes down, you earn 0% — not a loss. Over time, this "ratchet" effect of locking in gains and avoiding losses can produce competitive returns with far less risk.
Fixed Indexed Annuities do not charge annual management or advisory fees. The insurance company compensates the agent through a one-time commission built into the product. Optional riders (like guaranteed lifetime income) may have an annual charge, which Steve will disclose upfront.
No. Steve Montgomery is a licensed insurance professional, not a financial advisor or tax attorney. We recommend consulting with your own financial and tax professionals before making any decisions.
Schedule a free, no-obligation consultation using the form on this page. Steve will review your current situation, show you a personalized illustration comparing your options, and answer all your questions — with zero pressure.
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