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Entering retirement in a down market and taking distributions from your qualified plan can result in a much smaller retirement portfolio in the long run. It’s called the Sequence of Returns Risk. If your portfolio declines in value early in retirement, the impact of the decline is made much worse when you take an income withdrawal. The withdrawal following a negative market year impacts the ability of the portfolio to recover in a subsequently positive market year(s).

What if you could avoid taking distributions during years the market is down?

A Volatility Buffer gives you the option to alternatively fund your retirement in order to make your 401(k) or IRA last as long as possible while providing you the greatest returns.

Carefully look at the following three tables to see how using a Volatility Buffer increases your overall wealth in retirement:

The last table highlights the tax advantages offered with a Volatility Buffer consisting of whole life insurance. Simply by shifting assets into a Wealth Maximization Account and utilizing the tax advantages of this type of asset, this client was able to earn an additional $9,170,932 for retirement.

You don’t have to be a millionaire to build and utilize a Volatility Buffer with whole life insurance. This financial tool can be created at any age, any financial stage, and for any amount of income. It is a completely customizable product to help you reach your retirement goals, whatever they may be.

By now, you should have a basic understanding of the benefits of a Volatility Buffer for growing and protecting your retirement income.

In this section, you can watch and listen to learn more about how a Volatility Buffer works, exactly why you need a Volatility Buffer, and where it fits in your overall financial strategy.

First, access your free download: The Hierarchy of Wealth. This outline shows you how to build a solid financial foundation that puts you in control of your wealth while reducing investment risk.

Next, we’ll talk about how to earn even more income in retirement!

Creating a Volatility Buffer with whole life insurance inside a Wealth Maximization Account is a proven strategy for financial freedom. It has been utilized by the wealthy 1% for hundreds of years, including families like the Rockefellers, Walt Disney, and by large corporations.

But a Wealth Maximization Account isn’t the only way to generate more income in retirement.

An annuity from a mutual life insurance company can also play a key role in growing and protecting your wealth to hedge against the next economic downturn.

So how do you know which financial products are best for your situation?

Start by taking this simple flowchart quiz:

Got your answer?

In the next section, we’ll break down Fixed Indexed Annuities and Single Premium Immediate Annuities to help you get a clearer picture of your path to financial freedom.