Turn $250,000 Into a Paycheck You Can't Outlive — Starting at 62.

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.

Free · 60 seconds · 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.

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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.

Age 50+
$100,000+ in Savings/Investments
Concerned About Market Risk
Wants Principal Protection

Not sure if you qualify? Complete the form below to see your options. No obligation.

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.

  • 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.

  • 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.

  • 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.

See How the 0% Floor Protects You

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
Steve Montgomery - Retirement Planning Specialist

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 Steve

What Our Clients Say

Real stories from real clients who transformed their retirement planning.

"Moved $340,000 out of a managed portfolio at 64. Now I collect $2,180/month guaranteed for life — regardless of what the market does. Wish I'd done it 10 years earlier."
D

D. Harris

Memphis, TN · Age 64

"Steve showed me an Athene illustration: $18,500/year starting at 65, never runs out. Signed the next week. Sleep better than I have in a decade."
B

B. Crawford

Knoxville, TN · Age 59

"I was two years from retirement when the market dropped. If my money had been in stocks, I would have had to work another five years. My annuity kept me on track."
J

J. Whitaker

Nashville, TN · Age 64

"Between my husband and me, we have $4,200/month of guaranteed income that the 2008 crash couldn't touch."
R

R. Coleman

Chattanooga, TN · Age 61

"My husband and I moved $200k out of a managed portfolio and into a Fixed Indexed Annuity. No more fees, no more risk. Steve made the process completely painless."
K

K. Rivera

Atlanta, GA · Age 62

"Moved $340,000 out of a managed portfolio at 64. Now I collect $2,180/month guaranteed for life — regardless of what the market does. Wish I'd done it 10 years earlier."
D

D. Harris

Memphis, TN · Age 64

"Steve showed me an Athene illustration: $18,500/year starting at 65, never runs out. Signed the next week. Sleep better than I have in a decade."
B

B. Crawford

Knoxville, TN · Age 59

"I was two years from retirement when the market dropped. If my money had been in stocks, I would have had to work another five years. My annuity kept me on track."
J

J. Whitaker

Nashville, TN · Age 64

"Between my husband and me, we have $4,200/month of guaranteed income that the 2008 crash couldn't touch."
R

R. Coleman

Chattanooga, TN · Age 61

"My husband and I moved $200k out of a managed portfolio and into a Fixed Indexed Annuity. No more fees, no more risk. Steve made the process completely painless."
K

K. Rivera

Atlanta, GA · Age 62

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.

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.

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 Your Retirement Paycheck Report Call

Steve personally takes 8 consultations per week. Tuesday/Wednesday slots usually fill by Monday.

What happens on your call with Steve

  1. 1

    15 minutes on your goals

    What income you need, your timeline, what you have where. No pressure, no prep needed.

  2. 2

    A live, carrier-quoted illustration

    From Athene or Allianz, emailed during the call — your Retirement Paycheck Report showing exactly how much guaranteed monthly income your savings can produce.

  3. 3

    A straight answer

    If an annuity isn't the right fit for you, Steve will tell you. No pitch. No hard close.

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