A Safer Retirement and Environment – What We’re Implementing to Help Keep You Safe: READ MORE

Here at Chadmere Capital Inurance and Financial Services, we are adhering to state and local guidelines in order to protect both the health and safety of clients and staff. Keeping our clients and staff safe is our highest priority and we’re taking all appropriate measures to ensure a safe environment. Should you prefer to not meet face-to-face, we are continuing to serve our clients through virtual settings such as Zoom or phone calls.

We look forward to continuing to help individuals and families achieve their ideal retirements.

Chademere Capital Insurance and Financial Services
(803) 242-1050


Is a Fixed Indexed Annuity Right for Me?

Ensure you have the financial security to be in control of your retirement.

Before determining if an FIA is right for your portfolio, make sure you understand the specific product features and if the benefits ladder into your goals.

If you…

  • have a retirement plan in place, but want to add balance to the mix
  • need your earnings to never fall below zero
  • want growth potential, coupled with principal protection from market loss
  • seek a guaranteed minimum rate of return that never varies, regardless of market swing
  • are interested in an annuity where the insurance company assumes the risk

…then an FIA might be right for you.

A financial professional, who is licensed to sell FIAs, is a great resource to help you decide if you should add one to your portfolio.

Questions to Ask Your Financial Professional

  1. How can an FIA help me diversify my portfolio? 
  2. What are the pros and cons of an FIA?
  3. How can you use FIAs in a Qualified Plan?
  4. Can you tell me the key features I should know about FIAs?
  5. How and when could I access the money in my annuity?
  6. How is interest of an FIA calculated and applied?
  7. What are the terms and conditions for receiving payments from an FIA?
  8. Which indexing method is used?
  9. How does an FIA help me meet my overall financial objectives and time horizon?
  10. Will my current income last as long as I do?
  11. How will taxes impact my retirement income?
  12. What annuity is right for me based on key differences (for example, FIAs vs. variable annuities)?
  13. Do I lose the balance of an annuity if I pass away before I have received all my payments?
  14. How can I safely earn more yield?
  15. Can you tell me about the financial stability and credit rating of the insurance companies that will be issuing my FIA?

Is a Fixed Indexed Annuity Right for Me?


Ready To Take



For more information about any of our products and services, schedule a meeting today.

Or give us a call at (803) 242-1050

Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. Nothing on this website constitutes investment, legal or tax advice, nor that any performance data or any recommendation that any particular security, portfolio of securities, transaction, investment or planning strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, execution of required documentation, and receipt of required disclosures. Investments in securities involve the risk of loss. Any past performance is no guarantee of future results. Advisory services are only offered to clients or prospective clients where Foundations and its advisors are properly licensed or exempted. For more information, please go to https://adviserinfo.sec.gov and search by our firm name or by our CRD #175083.

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