FIA Rollover Solutions
(Fixed Indexed Annuities)
Fixed Indexed Annuities (FIAs) are designed to protect your retirement savings from market downturns while still offering the potential for growth. When rolling over funds from an old 401(k), 403(b), or IRA, an FIA can serve as a secure income vehicle that grows based on index performance but never loses value due to market declines.
FIAs are especially useful for pre-retirees and retirees who want to safeguard their nest egg and ensure predictable, lifetime income in retirement. Many FIAs also offer optional riders that provide guaranteed income for life, even if your annuity’s value declines over time.
Key Features:
- Principal protection—your account won’t lose value due to market drops
- Index-linked growth potential without direct market exposure
- Guaranteed lifetime income options for retirement security
- Tax-deferred growth while funds remain inside the annuity
- Penalty-free withdrawal options after a set holding period
Ideal For: Individuals transitioning to retirement who prioritize income stability and protection from market volatility.
For small- and mid-sized business owners, retaining and rewarding top employees is essential. An Executive Bonus Plan (also called a Section 162 Plan) uses life insurance to provide valuable benefits to key employees in a tax-efficient manner. The business pays the premium on a life insurance policy owned by the employee and can often deduct the payment as a business expense.
These strategies help employers offer meaningful incentives without the complexity or cost of qualified retirement plans. They can also be designed with vesting schedules to promote loyalty and long-term retention.
Key Benefits:
- Tax-deductible premiums for the business (in some cases)
- Cash-value growth and death benefit protection for the employee
- Customizable structures for retention (e.g., restricted access to cash value)
- Simple implementation with fewer reporting requirements than qualified plans
Ideal For: Business owners who want to provide executive-level benefits that attract, retain, and reward high-value team members.
This program focuses on empowering individuals through financial education and offering the opportunity to build a regulated, licensed financial-services business under professional mentorship. Through World Financial Group (WFG), motivated individuals can become licensed to offer financial products and services—with the support, systems, and guidance of an experienced agency leader.
The program covers the essentials of personal finance, entrepreneurship, compliance, and client service, equipping new professionals with the skills to educate others and grow a business ethically and sustainably.
Program Highlights:
- One-on-one mentorship from experienced Agency Owners
- Training on financial concepts, client education, and compliance
- Step-by-step guidance for obtaining required licenses and certifications
- A proven business model designed to grow within a regulated environment
- Focus on leadership, mindset, and community impact through financial literacy
Compliance: World Financial Group does not guarantee any level of success or income. Business results depend on individual effort, skill, and market conditions.
Effective estate preservation ensures that your assets are protected, your wishes are honored, and your loved ones are cared for. Through partnerships with independent estate-planning attorneys and professionals, clients receive coordinated guidance on wills, trusts, and beneficiary strategies, combined with insurance-funded legacy solutions to minimize taxes and avoid unnecessary estate complications.
This holistic approach helps prevent wealth erosion and ensures a smooth transition of assets to heirs, charities, or business successors—according to your goals and values.
Key Services:
- Wills and trusts coordination with licensed legal professionals
- Beneficiary review to ensure your designations are current and accurate
- Insurance-funded legacy planning to protect and transfer wealth efficiently
- Strategies to minimize estate taxes and probate challenges
- Collaboration with your CPA, attorney, and financial professional for comprehensive planning
Important: All legal documents are prepared by independent, licensed attorneys or estate-planning professionals. Financial professionals do not provide legal or tax advice.