How a Fixed Index Annuity Can Manage Retirement Income Risks

Good retirement income planning involves adjusting to circumstances and evaluating innovative products. Consider an FIA to manage downside risk.

A man's hand turns a dial labeled risk.
(Image credit: Getty Images)

I have spent my career looking for new ways for retirees to create income — particularly safe, lifetime income — and at the same time meet their objectives for legacy, inflation protection, liquidity and risk management.

I think about results, not specific products, so although annuity payments have been at the core of my research and approach, I have incorporated other types of income sources into my Go2Income planning method, too. The latest is called a fixed index annuity (FIA), which has become a trillion-dollar industry because it protects your investment during bad markets while getting higher returns than fixed-income portfolios in most scenarios.

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Jerry Golden, Investment Adviser Representative
President, Golden Retirement Advisors Inc.

Jerry Golden is the founder and CEO of Golden Retirement Advisors Inc. He specializes in helping consumers create retirement plans that provide income that cannot be outlived. Find out more at, where consumers can explore all types of income annuity options, anonymously and at no cost.