No Principal Risk,

Just a Confident Retirement

Turn your retirement assets into a lifetime income stream with a Fixed Index Annuity

No Principal Risk,

Just a Confident Retirement

Turn your savings into a lifetime income stream with a Fixed Index Annuity

No Principal Risk,

Just a Confident Retirement

Turn your savings into a lifetime income stream with a Fixed Index Annuity

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Custom-fit Retirement Strategy

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Life Income

Guarantees

Principal Protection & Interest Growth

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Guaranteed Spousal  Coverage

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Approaching Retirement… But Unsure If Your Money Will Last?

You're probably asking yourself...

  • What if the money I have saved for retirement runs out before I do?
  • How can I ensure I have steady income in retirement
  • Will my pension and 401(k) be enough to maintain my lifestyle?
  • How do I reduce the taxes I’ll owe on my withdrawals?
  • What if medical expenses drain my retirement savings?
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Without a Plan...

  • Market crashes erase savings
  • You could outlive your money
  • Inflation shrinks your buying power
  • Taxes drain your retirement
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There's a Better Way!

At Retirement Income Shield, We help retirees and pre-retirees build a retirement income strategy using Fixed Index Annuities, offering solutions designed to help protect assets and provide predictable income in retirement.

A Stronger Road to Retirement

in 3 Easy Steps

With a simple, stress-free process, we help you protect your retirement assets, increase your wealth  potential, and provide solutions with guaranteed income for life.

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Schedule a Consultation

We'll understand your needs and retirement goals

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Get a Customized FIA Plan

We’ll design an annuity strategy that fits you

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Enjoy Guaranteed Income for Life!

Maintain access to the retirement funds you’ve chosen to keep protected.

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Your Future is in Experienced Hands

With over 4 decades of experience in planning clients’ retirement and Fixed Index Annuities, our team at Income Shield Retirement is committed to helping you protect what you’ve worked hard to build. We bring deep industry knowledge, personalized service, and a clear understanding of how to create steady, reliable income for your retirement years.

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Licensed and Independent Advisors

We work for you, not the insurance companies.

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Decades of Success Helping Clients

Over 30 years of success helping clients protect and grow their savings.

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Client-First

Approach

Your goals, values, and peace of mind guide everything we do.

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Transparency & Integrity

Integrity, transparency, and long-term trust are at the heart of our advice.

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Licensed and Independent Agents

We work for you, not the insurance companies.

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Decades of Success Helping Clients

Over 4 decades of success helping clients protect and grow their assets.

A black and white check mark in a circle on a white background.

Client-First

Approach

Your goals, values, and vision guide everything we do.

A black and white check mark in a circle on a white background.

Transparency & Integrity

Integrity, transparency, and long-term trust are at the heart of our service.

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Have the Money You Want In Retirement

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Enjoy a Guaranteed Income Stream

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Establish a Lasting Heritage for Loved Ones

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Retire with Confidence

Retirement isn't just about the money.

It's about your quality of life.

We provide a custom-fit plan for retirement the can provide lifetime income so you can retire with confidence. Protected from market risk, no guesswork - just a smarter future and the freedom to enjoy what matters most.

Our Trusted

Insurance Partners

We work with some of the most reputable and financially strong insurance carriers in the industry to offer you the best Fixed Indexed Annuity solutions. These trusted partners help us provide growth-oriented retirement strategies tailored to your unique needs—so you can retire with confidence.

We're built to help clients like you!

Retirement Income Shield, we specialize in protecting your hard-earned savings and creating guaranteed income for life. We serve individuals who want financial solutions and protection from market risk

If any of these describe you, we’re here to help:

âś… Pre-Retirees   (Ages 50-65)

Preparing for retirement and looking for a reliable income strategy.

âś… Retirees  (65+)

Wanting guaranteed lifetime income and protection from stock market downturns.

âś… 401(k) & IRA Owners

Ready to roll over their retirement savings into a protected, tax-efficient plan.

âś… Conservative Investors

Seeking steady growth without stock market risk.

âś… Widows & Widowers

Looking for added financial stability and income they can count on.

âś… Pension Holders

Wanting to supplement their pension with additional guaranteed income.

âś… Business Owners & Self-Employed

Needing a plan for retirement without market volatility.

âś…   Looking to Rollover a Qualified Plan

Have you had a change of employment or recently retired?

âś… Anyone Who Values Peace of Mind

Wanting to retire with confidence, knowing their income is protected.

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Learn About Fixed Income Annuities

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FAQ

  • 1. What is a Fixed Index Annuity (FIA)?

    A Fixed Index Annuity (FIA) is a financial product designed to provide retirement income. It offers principal protection, potential growth linked to a market index (like the S&P 500®), and guaranteed lifetime income options without direct market risk.

  • 2. How does a Fixed Index Annuity grow my money?

    FIAs grow through interest credits based on the performance of a market index. However, your money is not directly invested in the market, meaning you won’t lose principal due to market downturns.

  • 3. Are Fixed Index Annuities safe?

    Yes. FIAs are protected against market losses because they offer a guaranteed minimum interest rate and never lose value due to market declines. They are backed by highly regulated insurance companies.

  • 4. What are the benefits of a Fixed Index Annuity?

    • Protection from Market Losses
    • Tax-Deferred Growth (you don’t pay taxes on gains until you withdraw)
    • Guaranteed Lifetime Income Options
    • Potential for Higher Returns than Traditional Fixed Accounts
    • No Contribution Limits (Unlike IRAs or 401(k)s)

  • 5. Can I lose money in a Fixed Index Annuity?

    No, you will not lose principal due to market declines. However, if you withdraw money early or before the surrender period ends, surrender charges and fees may apply.

  • 6. How does a Fixed Index Annuity compare to the stock market?

    FIAs provide growth potential without stock market risk. Unlike stocks, you are not directly investing in the market, which means you won’t experience market losses—but you also won’t see the full gains of the market.

  • 7. When can I start withdrawing from my annuity?

    Most FIAs allow withdrawals after age 59½ without penalties. Some contracts offer income riders that allow earlier withdrawals, but surrender charges may apply if withdrawals exceed the annual free withdrawal limit.

  • 8. What happens to my annuity when I pass away?

    Most FIAs include death benefits, meaning the remaining value of your annuity goes to your beneficiaries. Some contracts even allow for spousal continuation so your spouse can receive income.

  • 9. Are there fees associated with Fixed Index Annuities?

    Most FIAs do not have upfront fees, but some may have rider fees if you add income guarantees or long-term care benefits. Always review the contract details.

  • 10. Who should consider a Fixed Index Annuity?

    FIAs are great for individuals who:


    1. Want protection from market downturns
    2. Seek guaranteed lifetime income
    3. Need a tax-efficient retirement income strategy
    4. Want to diversify their retirement portfolio

    If any of these describe you, we would love to help you achieve a worry-free retirment!  Click the button below to set up a free consultation.

    Get Started

Get Guaranteed Income for Life—Talk to an Expert!

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Disclosures

Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries.


Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.


This website is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note

that Luzi Insurance Services, its affiliated companies, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.


S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”). This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P® and S&P 500® are trademarks of S&P .


The purchase of an annuity is an important financial decision. You should have a full discussion with your insurance/annuity agent before making any decision.