Why Military Retirees Should Act Now: Using Fixed Indexed Annuities (FIAs) to Build a Lifetime Income Stream

Military retirees find themselves in a unique financial position—and a golden opportunity is knocking.

Most military retirees leave service in their early-to-mid 40s, armed with leadership experience, steady pensions, and, often, a healthy Thrift Savings Plan (TSP) balance averaging around $200,000. They re-enter the workforce for a second career, but few realize how critical it is to start preparing for true retirement at age 65 — not just relying on a pension and Social Security, but creating an additional, guaranteed income stream.

One of the smartest tools available right now?

Fixed Indexed Annuities (FIAs).

The Opportunity: Turning a $200K TSP into a Lifetime Paycheck

Let’s break it down:

• A military retiree at age 45 rolls over $200,000 from their TSP into a Fixed Indexed Annuity.

• Many FIA products today offer initial bonuses on the premium—sometimes 8–10% or more, immediately boosting the starting balance.

• With average index-linked returns of about 6–8% annually, and some performing even closer to 10% in favorable years (without the risk of market losses), the account grows tax-deferred.

• By the time they reach age 65, that account could easily double or more in value.

• They can then elect to turn on a guaranteed lifetime income, supplementing their military pension and Social Security.

That means three streams of income at retirement:

1. Military pension (already guaranteed)

2. Social Security (partial guarantee)

3. Annuity payments (contractually guaranteed)

Why This Matters Right Now

1. Time is Power.

The earlier you start, the more time you give the annuity’s growth features to maximize. A 20-year window from age 45 to 65 can lead to substantial compound growth, especially when bonuses and interest credits are added.

2. Protection From Market Volatility.

FIAs are designed to protect your principal while still allowing growth based on market indexes (like the S&P 500). In turbulent markets—which many economists expect in the coming decade—this is critical. Your hard-earned money stays safe from losses.

3. Build Retirement Security Beyond the Pension.

Military pensions are reliable but often not enough to fully replace pre-retirement income.

An FIA fills the gap, providing additional, guaranteed monthly income that cannot be outlived, no matter how long you live.

4. Lock in Bonuses and Current Rates.

Right now, many companies are offering premium bonuses and competitive guaranteed growth rates. These may not be around forever as interest rates and insurance company portfolios shift.

Real Example:

Year 1- Year 20 (at age 65)

Starting Balance: $200,000 (+10% bonus = $220,000)

Average Annual Growth: 7%

Projected Value: $850,000

Guaranteed Lifetime Income: $45,000+/year

(These figures are for illustrative purposes only. Actual results depend on the annuity contract and product selection.)

Conclusion: Lock in Your Financial Future Now

Military service gave you discipline, leadership, and a strong foundation.

Now, as a retiree stepping into the next chapter, it’s time to make your money work as hard as you have.

By taking action today with a Fixed Indexed Annuity, you can:

• Maximize the value of your TSP rollover

• Grow your savings safely over the next two decades

• Create a third lifetime income stream you can never outlive

Secure your future now — your 65-year-old self will thank you.

Ready to See What You Qualify For?

Quotes are 100% free — no pressure, no obligation.

Take the first step toward securing your future.

Call today: 321 960 0357

Email: info@robinsonjortiz.net

Let’s build your guaranteed income plan together.