One of Our Three Core Principles:

Safety First

Safe Retirement Income is Possible

Above all, American Principal values safety. Protecting your savings is crucial to a successful retirement. And, with that in mind, we focus only on options that protect your money from losses. To that end, our firm helps you discover that safe retirement income is, in fact, possible.

Our 3 core principles when assisting clients are as follows:
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senior couple on vacation safe retirement income
Reasonable Rates of Return**
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Safe Retirement Income: Why it Matters

Earlier, during your working years, you can afford to take more risks. If the market drops, your finances drop. But, if you’re still decades away from retirement, your finances have time to recover. In contrast, if you’re approaching (or in) retirement, you no longer have the luxury of time. If a crash occurs, such as what happened in 2008 or 2020, your ability to retire may be affected. Worse yet, if you are already in retirement when a crash happens, you may not have enough money to pay your bills and be forced to return to work. This is why safe retirement income is so crucial. A source of safe retirement income can help you confidently enjoy your retirement.

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Ways of Generating Safe Retirement Income

Many people invest in the stock market when saving up money for retirement. The idea is to invest for the long haul. After all, if your money stays put, it grows over time. For the most part, this does work. However, once you’re nearing retirement, safety tends to become a priority. You’re no longer generating income through employment. Instead, your lifestyle needs to be funded by your savings. It’s time for your money to work for you.

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Ways to Protect Your Money

With this intention, you’ll need to make sure that your principal is protected. Rest assured, there are financial vehicles that can accomplish just that. One option that you may want to consider? Annuities, and other types of insurance products. We can show you how to use these options to effectively protect your wealth.


All things considered, the right type of annuity may be the ideal choice for creating a safe retirement income. Specifically, you may want to take a look at fixed indexed annuities, or FIAs. For one thing, these products generate guaranteed* lifetime income. The issuing insurance company is required by law to set aside reserves to protect their insurance members’ money, which means that your principal amount is protected, too.

Our team can meet with you to help map out how much you'll need to be comfortable in retirement.

After all, everyone has their own individual goals, needs, and specific risk tolerance. Another benefit offered by FIAs is tax deferral. Unlike, for example, a Certificate of Deposit (CD) or a mutual fund, you don’t have to pay taxes until you withdraw the money from your fixed indexed annuity. This means your money can grow tax-deferred.

Avoiding Ups and Downs

Bottom line? A safe retirement entails preventing losses.

All of our clients typically have a few things in common: They don’t want to lose the money they’ve worked hard for throughout their life, they want reasonable rates of return**, and they want a strategy that’s simple and easy to understand. If these ideas appeal to you, reach out. Our team is here to honor those values when helping you determine a retirement strategy.

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