Americans Are Struggling to Save

for Retirement—

Here’s How to Avoid the Biggest Mistake

If you’re like most Americans, you’re unsure whether you’re saving enough—or saving the right way—for retirement. And you’re not alone. A shocking 48% of Americans over age 55 have zero retirement savings, according to the U.S. Government Accountability Office. Even those who do save often lack a clear strategy, relying on a mix of 401(k)s, IRAs, or personal investments without fully understanding how to turn their savings into reliable, tax-efficient income.

The Retirement Income Gap: A Growing Crisis

Many retirees assume that Social Security will cover their basic expenses, but the reality is stark: the average Social Security check in 2024 is only $1,907 per month—far below what most people need to live comfortably. Meanwhile, rising inflation and increased healthcare costs have made retirement planning even more complex.

This financial uncertainty leaves many asking:
❌ How do I make sure my money lasts through retirement?
❌ How can I protect my savings from market crashes?
❌ Is there a way to get guaranteed income without running out of money?

The Wealth-Boosting Strategy Most Americans Overlook

Studies show that working with a financial advisor can help retirees unlock up to 15% more wealth over time than those who try to manage their retirement alone (Morningstar, 2023). One of the biggest missed opportunities? Fixed Indexed Annuities (FIAs).

Why Fixed Indexed Annuities?

Fixed Indexed Annuities offer a powerful combination of benefits that traditional investment accounts simply cannot match:

✅ 100% Protection from Market Losses – Your money is never exposed to stock market downturns, making FIAs one of the safest ways to grow wealth.
✅ Guaranteed Lifetime Income – You can receive steady, predictable payments for the rest of your life, ensuring you never outlive your money.
✅ Tax-Deferred Growth – Your savings grow tax-free inside the annuity, helping you reduce your tax burden in retirement.
✅ No Hidden Fees or Surprise Charges – Unlike mutual funds or actively managed accounts, FIAs have transparent costs and often no management fees.
✅ Beats Traditional Fixed Income Investments – FIAs typically offer higher growth potential than CDs, bonds, or savings accounts.

So if these annuities are so powerful, you might be wondering…

“Why Hasn’t My Financial Advisor Told Me About This?”

Great question. The answer is simple: Most advisors aren’t insurance licensed.

Many financial professionals only sell stocks, bonds, and mutual funds—they make commissions or fees based on assets under management. Since FIAs are insurance products, they require a separate insurance license to offer them. If your advisor hasn’t talked to you about Fixed Indexed Annuities, it’s likely because they don’t have the credentials to sell them—not because they aren’t valuable.

Not All Annuities Are Created Equal—Find Out Which One Is Right for You

With over 3,000 different annuities available, it’s nearly impossible to know which one fits your financial situation without professional guidance.

That’s why we created AnnuityAI, a free and easy tool that helps you unlock your annuity options in just 60 seconds. Instead of sifting through endless information and sales pitches, you get clear, unbiased guidance tailored to your retirement needs.

Take Control of Your Retirement Today

Don’t leave your financial future to chance. Find out if an annuity is right for you today—before it’s too late.

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DISCLAIMER: This is a paid promotion for AnnuityAI and is not intended to be editorial content or financial advice. The information presented is for informational purposes only and should not be construed as an offer to sell or a solicitation to purchase any financial product. Annuities are insurance products, and their benefits vary based on contract terms and issuer strength. Always consult with a licensed financial or insurance professional to determine what options are best for your individual situation. Past performance is not indicative of future results. This content may contain opinions that do not reflect those of the publisher.

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