Most shop owners are self-employed, which means there's no company match, no HR person handing you a 401(k). The good news is, you don't need the stock market's downside to build real long-term wealth. Here's the approach we use.
If you put $100 into the market and lose 50%, you don't need a 50% gain to get back to even, you need 100%. A dollar lost takes two dollars of gains to recover. That math is why traditional retirement accounts can take a decade to rebuild after a bad year.
We use a rules-based strategy designed to capture market gains during good years and stay flat during bad ones. Your account has a 0% floor, meaning a market downturn cannot reduce your balance. When the market climbs, you participate in the upside. When it falls, your account simply doesn't move.
Market losses don't touch your balance. Down years are flat years, not setback years.
You're not paying 1–2% a year just for the privilege of being invested.
Your gains compound without an annual tax hit, more of the growth stays in your account.
When you're ready to retire, the account can be converted into guaranteed income for life.
Already have a 401(k), IRA, or annuity from a previous job or carrier? In most cases we can roll it over penalty-free into a plan with the protections above. We'll walk you through the math before any move is made.
These plans use index participation rates rather than direct market exposure. With seven different indexes to choose from and participation rates as high as 110% (depending on the index and crediting period), historical returns have been roughly 2–3× traditional fixed rates, without the volatility a traditional account would have seen.
Past performance doesn't guarantee future results. We'll show you the actual historical numbers and run a personal projection before you commit to anything.