Fixed Index Annuity: The Retirement Tool That Grows With the Market Without Losing When It Falls

Michael Trefel

Published on: 11/08/2026

Most people have heard of annuities but few understand what a fixed index annuity actually does. It grows with a market index, protects your principal, and can guarantee income for life. This post breaks down how it works in plain language.

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Retirement Income Planning: The Question Nobody Asked You for 30 Years

Michael Trefel

Published on: 16/06/2026

Most retirement plans are built around accumulation. Almost none are built around income. This post breaks down the retirement income planning framework that ensures your money lasts, and the three income streams that make it possible.

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