Tired of Market Uncertainty? Discover the Stability of Guaranteed Retirement Income With An Annuity
While the market rises and falls, an ANNUITY keeps paying—no guesswork, no stress, just peace of mind.
Lock in a Steady, Guaranteed Income for Life
📌 Secure your financial future with income that lasts as long as you do!
Protect Your Retirement from Market Volatility
📌 An annuity lets you focus on enjoying retirement, not stressing over investments.
Take Advantage of Tax-Deferred Growth
📌 Why pay taxes now when you can let your money grow first?
Secure Your Financial Future Today!
If you're looking for guaranteed income, tax advantages, and peace of mind in retirement, an annuity could be the perfect solution. Below are six smart reasons to consider adding an annuity to your financial plan.
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I recently had the pleasure of working with Derek Fitzgerald to explore annuity options, and I couldn't be more impressed. From the start, Derek demonstrated an exceptional level of expertise and a genuine commitment to helping me find the best solution for my specific needs. He took the time to explain each option clearly, answered all my questions with patience, and guided me through the process with professionalism and care. Thanks to Derek's insight and guidance, I now feel confident that I’ve made the right decision for my financial future. I highly recommend him to anyone looking for knowledgeable and trustworthy support when navigating annuities.
Shawn K.
Entrepreneur
See how much guaranteed income you could receive—request your free quote now!
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Your Savings Last as Long as You Do
📌 If retirement is within the next 10-15 years, securing an annuity now can be a game-changer.
Turn Your Nest Egg into a Lifetime Paycheck
📌 You’ve done the hard part—saving. Now it’s time to turn those savings into lasting income.
Leave a Lasting Legacy for Your Loved Ones
📌 A well-structured annuity can offer financial security for generations. Make your money work for you and your family!
Meet One Of Our Your Experts
Bill Walls is the co-founder of The Walls Agency and is an Advanced Markets Specialist in retirement and wealth strategies.
He helps families and business owners design financial solutions that protect wealth, eliminate debt, and create streams of tax-free retirement income. With expertise in Annuities, Infinite Banking, Debt-Free Life, and Indexed Universal Life (IUL) policies, Bill works with clients to maximize security, growth, and legacy planning.
Drawing on his background as an entrepreneur, marketer and insurance manager, Bill simplifies complex financial concepts so clients can confidently protect their future while enjoying peace of mind today.
Whether through strategic retirement planning or business growth solutions, he is dedicated to helping people achieve financial freedom and long-term success.
The chart compares the performance of a $100,000 investment from 2000 to 2010 in two options:
- 401(k) tied to the Dow Jones Industrial Average (DJIA)
Fixed annuity with 6% annual growth
Key Takeaways:
401(k) showed high volatility, with sharp declines during market downturns (early 2000s and 2008).
Annuity delivered steady, 6% annual growth regardless of market performance.
Annuities provide protection against market risk.
They offer stable, predictable returns—essential for retirees or pre-retirees.
Consistent growth helps safeguard retirement income from sudden losses that could threaten long-term financial security.
What Would Happen To Your Retirement If The Market Crashed?
Can You Afford to Wait?
From 2000 to 2002, a $100K 401(k) dropped to $71K.
It took 7 years to recover—then lost value again in 2008, falling to $65K.
By 2010, it only reached $79K—still below the original investment.
Full recovery could take 6–10+ years, assuming no withdrawals.
Annuities avoid this risk—they grow steadily, without waiting for markets to bounce back.
Can You Recover In Time If The Market Drops?
Don’t Let Market Crashes Derail Your Retirement! Protect Your Future with Guaranteed Growth Today!
Bill Walls
Find Out What Peace Of Mind In Retirement Could Look Like For You.
"After running the numbers, it was clear—Social Security alone wouldn’t give us the freedom we wanted in retirement. We didn’t want to stress about the stock market or worry if our savings would last. Choosing an annuity gave us something we hadn’t felt in a while: peace of mind. Now, we receive a guaranteed monthly income we can rely on for life. We travel, we enjoy our grandkids, and we sleep better at night knowing our future is secure. Honestly, we wish we had done it sooner."
Some Misconceptions About Annuities
Mark & Linda W., Age 65,Retired Educators
We knew Social Security wasn’t going to cut it
The Consult With Bill Is Free. You Decide What To Do With What You Have Learned.
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"After 30 years of building my business and saving every extra dollar, the idea of losing any of it to a market downturn made me anxious. I didn’t want to take unnecessary risks this close to retirement. An annuity gave me the security I was looking for—my money is protected, and I know I’ll have consistent income when I need it. It’s not just about growth anymore—it’s about preserving what I’ve earned and making sure it lasts."
Sharon M., Age 58, Small Business Owner
I’ve worked too hard to risk it all now.
Annuity vs 401 (k) With A 6% Loss In 3 Years
Experiencing three separate years of 6% losses in a 401(k) over a 10-year span can have a profound impact on someone’s retirement savings. In our example, that amounts to over $54,000 less than what would have been earning with steady, compounded growth — a shortfall that could affect income, lifestyle, or even delay retirement altogether. These market downturns are unpredictable and can be especially damaging when they occur closer to retirement, when there’s less time to recover.
And it's much worse if your 401(k) has 4 years of 6% losses. It would result in a total loss of $68,334.04 compared to full compound growth.
That’s where annuities offer a clear advantage. With a fixed annuity, for example, your principal is protected, and you receive predictable, guaranteed income, regardless of what the market does. Instead of riding the emotional and financial rollercoaster of market volatility, an annuity provides the stability and peace of mind needed to confidently plan for the future.
Our Guarantee To You
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Client-First Promise
I lose access to my money
It’s a common misconception. Most annuities allow for penalty-free withdrawals up to a certain amount (often 10%) each year. Also, annuities aren’t meant to replace your liquid emergency fund — they’re designed to protect and grow the portion of your portfolio meant for long-term retirement income. Think of it as building a pension-like stream of income that you can count on.
I can get better returns elsewhere
Possibly — if you’re willing to take on the risk. The tradeoff with annuities is that you’re exchanging market risk for guaranteed income and protection. While a 401(k) or brokerage account may earn more in bull markets, an annuity keeps delivering predictable income no matter what happens in the market. That peace of mind can be worth far more in retirement.
If I die early, the insurance company keeps my money
Only if you choose a basic life-only option — but most modern annuities offer death benefits or joint life payout options. You can also set a guaranteed period (like 10 or 20 years), so if you pass away early, your beneficiaries continue receiving the payments or remaining value. Annuities can be customized to ensure your legacy is protected.
Annuities have high fees
You're right that some annuities, particularly variable annuities, can carry higher fees. But not all annuities are created equal. Fixed and fixed indexed annuities often have little to no annual fees and still provide valuable benefits like guaranteed income and principal protection. It’s all about selecting the right annuity for your goals — just like choosing the right mutual fund or stock.
If I put my IRA into an annuity, I’ll owe taxes right away, right?
Not necessarily. If you do a direct transfer or rollover from an IRA to a qualified annuity, there are no immediate taxes — the funds stay within a tax-deferred structure. However, if you withdraw the money from the IRA and then buy an annuity yourself, it’s a taxable distribution.
Annuities are too complicated
It’s true — annuities can seem overwhelming at first. But at the core, they’re a simple trade: safety and guaranteed income in exchange for a portion of your retirement savings. The key is working with someone who explains them clearly and finds the right fit. With the right advisor and annuity type, the complexity disappears — and you’re left with long-term financial confidence.
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