Growth potential with built-in protection against market loss.

Don’t make the mistake of chasing higher returns without protecting your principal. That risk becomes expensive when a market downturn wipes out years of progress and forces you to rebuild from a lower base. Thoughtful Advisors can help you with strategies designed to preserve your original savings while still allowing for structured growth.

Principal Protected Growth Strategies are built to focus on positioning a portion of savings where downside exposure is removed, while still allowing participation in market-linked gains under defined conditions. They're often used as an alternative to traditional fixed income products that carry interest rate risk or market sensitivity.

Structured Growth With Principal Protection

We believe that certain Fixed Index Annuities (FIAs), selected through fiduciary research, can serve as a protected growth option for clients who would otherwise rely on traditional fixed income products like bonds, mutual funds, or ETFs.

These strategies are structured so your principal is not reduced by market downturns or rising interest rates. Growth can follow market performance, but negative years do not take value away.

The following features outline how this structure works for long-term savers:

  • 100% Principal Protection. Savings are not reduced by stock market downturns or interest rate changes.
  • Tax-Deferred Growth. Interest earned is not taxed until funds are withdrawn.
  • Locked-In Positive Gains. Market-linked gains are credited and secured annually.
  • Guaranteed Rate of Return. Accumulation value receives a guaranteed return between 5%-7%, based on the non-walk away value.
  • Lifetime Income Option. Accumulated value can create guaranteed lifetime income without requiring full annuitization.
  • Long-Term Care (LTC) Benefit. Built-in support to help offset potential long-term care expenses.

These features are not meant to replace all risk assets. They are designed to complement them by providing a stable core for savings where downside protection is prioritized.

Why Work With Us?

Clients rely on the Company not just for access to strategies, but for how those strategies are evaluated, explained, and structured.

  • Independent fiduciary advisory firm
  • Legally obligated to act in client interest
  • Focus on risk management and tax efficiency
  • Asset reallocation approach that reduces overall plan risk
  • Proprietary tax analysis partnership with actuarial specialists
  • Experience designing qualified and non-qualified savings plans

If protecting your savings while maintaining growth potential is a priority, speak with a Fiduciary Planner Principal Protected Growth Strategies today.