Why a Fixed Indexed Annuity Can Protect Your Retirement

Lucas and Luna explore the case for fixed indexed annuities in a 2026 retirement portfolio. They break down how FIAs work, the role of the participation rate and cap, and why some retirees are adding them as a buffer against sequence-of-returns risk. With an example using a 62-year-old delaying Social Security, they explain the trade-offs between upside caps and downside protection, and why the 'accumulation' versus 'income' phase matters. No sales pitch — just a clear-eyed look at a product that's often misunderstood. #FixedIndexedAnnuity #Retirement #Annuity #SequenceOfReturnsRisk #DownsideProtection #RetirementPlanning #FIA #GuaranteedIncome #Retirees #IncomePlanning #Finance #WealthManagement #FexingoBusiness #BusinessPodcast #RetirementIncome #IndexedAnnuity #CapRate #ParticipationRate Keep every episode free: buymeacoffee.com/fexingo