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Whether you're sitting on an old employer 401(k), a Traditional IRA you rolled over years ago, or a balance that's been ignored since the last market cycle, you can move those dollars into a Fixed Indexed Annuity without triggering a tax bill, keep them tax-deferred, and put a hard floor under them so the next crash can't touch your principal.
0% market-loss floor. Direct trustee-to-trustee rollover. Zero cost to you to run the numbers.
Whether the money is sitting in an old 401(k), a current employer plan, or a Traditional IRA, the mechanics change based on where you are in the retirement timeline.
You're 3 to 10 years out. The recent market volatility wiped significant value off retirement accounts in weeks.
You left the job. Your money is scattered and fully exposed to whatever the market does next.
Retirement math only works if your assumptions hold.
The S&P 500 has seen dramatic drops in weeks during recent market shocks. Target-date retirement funds saw billions in panic withdrawals in single months.
A bad market in the first 3 to 5 years of retirement can permanently wreck a portfolio. An FIA's 0% floor removes the risk at the source.
With trillions in national debt and rate cuts scheduled to sunset, every dollar in your 401(k) or IRA is effectively a joint account with the IRS.
Only 11% of private-sector workers still have a traditional pension. If you want a guaranteed paycheck for life, the insurance industry is one of the last places to buy one.
An FIA is a contract with an A-rated insurance carrier. Here's what's under the hood.
A direct trustee-to-trustee rollover moves the money without triggering income tax. Your money stays "qualified."
Your premium sits in the carrier's general account. The carrier uses options strategies to credit your account. You get upside without direct market risk.
When the market drops, your account is credited 0%. Not negative. Zero. Your principal doesn't shrink. You compound from your full, undiminished balance.
In exchange for the floor, your upside is limited by a cap, participation rate, or spread. This is the real cost of protection.
Inside the annuity, gains aren't taxed annually. Withdrawals from qualified money are taxed as ordinary income, just like your 401(k) today.
FIAs have surrender periods (5 to 10 years). If you might need the full balance inside the surrender window, an FIA is probably not the right vehicle.
"A 0% floor doesn't just protect your money. It protects your timeline and your ability to sleep at night when the market doesn't."
Stanley Gauss, President, Divine Path Financial
An FIA solves specific problems. If your situation doesn't match, we'll tell you that on the first call.
Not sure which side you fall on? That's exactly what the free strategy call is for. No pressure, no product pitch until we know it fits.
No guesswork. No surprise paperwork.
30 minutes. We review your balance, income needs, and whether a rollover makes sense for your situation.
We run your numbers against every A-rated FIA option: capped, uncapped, income riders, surrender terms.
Money goes trustee-to-trustee. No 60-day clock, no withholding, no tax event.
Funds arrive at the new carrier, typically 2 to 4 weeks. One point of contact for life.
| Feature | 401(k) / IRA in Market | Fixed Indexed Annuity |
|---|---|---|
| Market-loss exposure | Full. You own the downside. | 0% floor on index crediting |
| Upside on index gains | Uncapped (but you own losses too) | Capped or participation-limited |
| Tax status | Tax-deferred | Tax-deferred. Unchanged. |
| RMDs | Required at 73 | Required at 73 (qualified preserved) |
| Lifetime income | You manage drawdown yourself | Optional rider. Guaranteed for life. |
| Access to principal | Full liquidity | 10%/yr free; surrender charges 5-10 yrs |
| In a 2008-style crash | You lose 30-50% | Credited 0%. Compounds from recovery. |
| Fees | 0.3%-1.5%/yr | No explicit fee; cap on upside is the cost |
A 30-minute strategy call costs nothing. We review your current balances, your income needs, your surrender tolerance, and whether a rollover into an FIA actually makes sense for your situation. If it doesn't, we'll tell you.
No obligation. No cost. Licensed broker calls you personally.
Stanley Gauss personally takes your call. No pressure, no jargon, no obligation. Just a straight answer to your question.
Available Mon–Fri, 9am–6pm ET.