Free 2026 guide · Plain English
Grow Your Savings Without Losing Ground When the Market Falls.
The 2026 Truth About Annuities shows how people near retirement set money aside for 5 or 10 years, earn growth potential linked to the market, and never lose a penny to a market drop. And no, you don't have to turn it into income.
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Why this matters
Most people have annuities all wrong. That could be costing them.
Maybe you've heard an annuity locks your money away forever. Or that the insurance company keeps it when you die. Or that you have to turn your savings into a monthly check.
The truth surprises most people. Today's fixed and fixed indexed annuities can give part of your savings room to grow, with protection from market losses, for a term you choose. What you do at the end is up to you. This guide shows you how it works, in plain English.
What people think
- "I'd have to turn it into income"
- "My money would be locked away"
- "The insurance company keeps it"
- plus more myths in the guide
The truth
- Income is an option, not a requirement
- Many contracts let you take some out each year
- Your family can be protected
- the details are in the guide
Inside this guide
Everything you need to decide if protected growth is right for you
A beautifully clear, illustrated guide. Read the parts that matter to you, then keep it handy for any annuity conversation.
Growth without market losses
How fixed indexed annuities share in the good years and sit out the bad ones.
Grow it or draw income
The two ways to use an annuity, and why the choice stays yours at the end of the term.
The "Year 2" example
A hypothetical $100,000 side by side with the market. Year 2 is the eye-opener.
6 things most people don't know
Including how gains can be locked in so a later drop can't take them back.
The main types, decoded
Fixed, fixed indexed, variable and income annuities, and what each one is built to do.
Getting your money out
Free withdrawals, what happens when the term ends, and how taxes work.
Myths vs. reality
The misunderstandings that keep people from a tool that could fit their plan.
Bonus: is it a fit for you?
A quick 3-question test, plus a question checklist for your next conversation.
The eye-opener
In a year the market fell 22%, one account lost $25,960. The other lost nothing.
Same $100,000. Same three years. One followed the market, and one was protected from market losses. See the full side-by-side example, and why it changes how many people think about their savings.
Hypothetical example for illustration only. Not a specific product. Index figures ignore dividends, fees and taxes, and in strong years an index can earn more than a capped annuity.
This guide is for you if
You want your savings to keep growing, without the sleepless nights.
- You have money you won't need for 5 to 10 years and want it growing, not just sitting there.
- You're within 10 years of retirement, and a big market drop now could set your plans back years.
- You remember 2008 or 2022 and never want to watch your savings fall like that again.
- Your money is in bank savings or a money market and you wonder if it could be doing more.
- You've heard mixed things about annuities and want the straight facts before you decide anything.
- You like the idea of lifetime income someday, without being forced into it.
Inside the guide
6 things most people don't know about annuities
Number 3 surprises almost everyone. Unlock all six with your free copy.
Your growth
Your access to your money
Your family
Getting started
How it works
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Talk it through, if you like
Book a free Annuity Clarity Session with Roger to see what protected growth could look like for you.
From the author
Hi, I'm Roger Fishel.
I help people who are close to retirement, or already there, protect what they've saved and make it last. Over the years I've noticed something: most people say no to annuities because of things that simply aren't true.
When they learn they can set money aside for a set number of years, give it room to grow, never lose ground to a market drop, and still decide later whether they ever want income, the reaction is usually the same: "Why didn't anyone tell me this?" That's why I wrote this guide.
Plan. Protect. Prosper.
Questions
Before you download
Is the guide really free?
Yes. There's no cost and no credit card. Fill in the short form and the PDF is yours.
Do I have to buy anything?
No. The guide is education. It shows you how annuities work so you can decide whether one belongs in your plan. If you'd like to talk it through, that's always your choice.
Can my money really grow without market losses?
With fixed and fixed indexed annuities, your value is protected from market drops. In a down year for the index you are typically credited 0%, not a loss. Growth has limits, and surrender charges can apply if you take out more than the free amount early. The guide explains it all in plain English.
Will someone pressure me?
No. You'll get the guide and a few helpful follow-up emails, and Roger's team may reach out once to make sure it arrived and answer any questions. You can unsubscribe at any time.
I already own an annuity. Is it still useful?
Yes. It will help you understand what you own. You can also request a free Annuity X-Ray, a plain-English review of your current contract.
Is this financial or tax advice?
No. The guide is for general education only. Neither the firm nor its agents or representatives may give tax or legal advice. Please talk with a qualified professional about your own situation before you act.
How do I receive it?
It opens on the very next page as a PDF you can read on your phone or computer, and we also email you a copy so you can find it later.
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