Retirement Income byAxiom
Retirement Savings Protection Review
Protect What You've Saved.
Keep It Growing.
For adults 55 and older with money in a bank, CD, IRA, or 401(k). See options that protect your principal from market losses, grow tax-deferred, and can pay you income for life. Compare what's available in your state in 60 seconds.
👇 Start Here — Select Your State
No calls until you're ready. Your information is used only for this retirement review.
Licensed professionals
Principal protected from market loss
Results in 60 seconds
Free — no obligation
Did You Know?
What's really happening to your savings.
Most people nearing retirement keep their money in one of two places: a bank paying almost nothing, or a market that can drop overnight. Here's what each one costs.
National average 5-year CD rate
1.78%
The typical bank CD pays under 2% a year, which can trail inflation and cost your savings buying power
Source: Bankrate national average, Sept 30, 2026
Top published 5-year fixed rate from an insurance carrier
6.45%
Guaranteed for the full term, and well above what most banks are paying right now
Source: Annuity.org rate survey, Sept 29, 2026
S&P 500 loss in a single year (2008)
−37%
A drop like that right before or during retirement can take years to recover from, and those years may not be available
Source: S&P Dow Jones Indices, 2008 total return
65-year-olds who will live past age 90
1 in 3
Retirement can last 25 years or more. Your savings need to last as long as you do
Source: Social Security Administration
Sound Familiar?
Six retirement problems we help solve.
Every situation is different. Here are the most common reasons people 55+ ask us for a review, and what can be done about each one.
"My CD is about to mature."
Bank renewal rates are low, and they can drop again next time you renew.
What can helpLock a guaranteed fixed rate for 3 to 10 years, so you know exactly what you'll earn.
"I can't afford another crash."
A big market drop in the years right before or after retirement can permanently shrink what you live on.
What can helpMove part of your savings where market drops can't reduce your principal.
"I want growth, just not the losses."
Sitting in cash feels safe, but it can fall behind rising costs year after year.
What can helpEarn interest linked to market gains, with a 0% floor so down years cost you nothing.
"Will my money last?"
Living into your 90s is common. Withdrawing too fast can drain savings too early.
What can helpTurn part of your savings into a guaranteed paycheck for life, on top of Social Security.
"What do I do with my 401(k)?"
Leaving a job or retiring means deciding where that money goes, and a wrong move can trigger taxes.
What can helpA direct rollover that keeps it tax-deferred and protected from market loss.
"RMDs are coming and I'm worried about taxes."
Required minimum distributions start at 73 for most retirees today, and forced withdrawals can raise your tax bill.
What can helpPlan the timing and structure of withdrawals ahead of time, together with your tax professional.
Your Options
Three ways to protect and grow your savings.
A licensed professional reviews your goals and shows you which fits best. Many people combine two or more.
Option 1 · Guaranteed Rate
Lock in a fixed rate
Earn a set interest rate that's guaranteed for 3 to 10 years. It works a lot like a CD, but rates are often higher and growth is tax-deferred.
- Rate guaranteed for the full term
- No market exposure
- Tax-deferred growth
Often a fit for: CD and savings money you want to earn more on
Option 2 · Protected Growth
Market upside, no market losses
Earn interest based on how a market index performs, up to a limit. When the market falls, you're credited 0%, not a loss.
- 0% floor in down years
- Gains locked in each year
- Tax-deferred growth
Often a fit for: 401(k) and IRA money you want growing without the risk
Option 3 · Lifetime Income
A paycheck you can't outlive
Turn part of your savings into guaranteed monthly income for as long as you live. It works like a personal pension on top of Social Security.
- Income guaranteed for life
- Can start now or later
- Spouse coverage available
Often a fit for: covering the monthly bills Social Security doesn't
Option 1 · Real Numbers
What your money could grow to in 5 years.
Same deposit, same 5 years, three places to put it. Interest compounds annually and is shown before taxes.
| Deposit | Avg Bank CD1.78% | Top Bank CD4.95% | Top Fixed Rate6.45% |
|---|
*Illustrative only. CD rates per Bankrate (Sept 30, 2026). Top fixed rate is the highest published 5-year multi-year guaranteed annuity rate per Annuity.org (Sept 29, 2026). Rates vary by carrier, state, deposit amount, and date, and rates from higher-rated carriers may be lower. Values assume no withdrawals during the surrender period. Your licensed professional will show you the exact rates available to you.
Option 2 · How the 0% Floor Works
When the market falls, you don't.
A simple example using the S&P 500's real results for 2022 and 2023, and a hypothetical 10% annual cap.
2022 · Market down year
S&P 500 (price change)−19.4%
Money in the marketLost 19.4%
Protected growth account0% · No loss
2023 · Market up year
S&P 500 (price change)+24.2%
Money in the market+24.2%, still recovering
Protected growth account+10% (cap)
*Hypothetical example for illustration only; not a projection of future results. Caps, participation rates, and crediting methods vary by carrier and product and can change at renewal. Index-linked interest does not include dividends. Optional income riders may carry fees.
Why It Matters
Protected Savings vs. Leaving It As-Is
What changes when your retirement money has a guaranteed floor.
✓ Protected Savings
✗ Bank or Market Only
When the market crashes
Your principal and past gains stay protected from market losses
Years of gains can disappear in months, right when you need the money
Growth
A guaranteed rate, or market-linked interest with a 0% floor
Bank rates that can trail inflation, or market returns with no floor
Taxes on growth
Interest compounds tax-deferred until you take it out
CD and savings interest is taxed every year, even if you don't touch it
Income in retirement
Option for guaranteed monthly income for life
You manage withdrawals yourself and hope the money lasts
How It Works
As easy as one, two, three.
The review takes about two minutes. No paperwork up front, no pressure, no obligation.
1
Answer a few quick questions
Select your state and tell us about your savings and goals. Takes about 60 seconds.
2
Get your personal review
A licensed professional compares options from top carriers and shows you what fits your goals. No pressure, no obligation.
3
Protect your savings
If it's a fit, you lock in your option. Rollovers from an IRA, 401(k), or CD are handled for you.
Common Questions
Answers before you ask.
It depends on your goals and the professional you speak with. Common options include fixed-rate and index-linked products from insurance companies and lifetime income options. If your professional is also a licensed investment adviser, other retirement and investment strategies may be part of the conversation. Either way, you'll get a clear explanation of how each option works, including its risks and costs, before you decide anything.
No. These are private products issued by insurance companies and regulated by your state's Department of Insurance. This is not affiliated with Social Security, Medicare, or any government agency.
With a fixed index annuity, your money isn't invested directly in the market. Instead, interest is credited based on how an index like the S&P 500 performs, up to a cap or participation rate. In years the index falls, you're credited 0%, so your balance doesn't go down from market losses. The trade-off is that your upside is limited, and dividends aren't included.
No. Insurance-based options are not bank deposits and are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Every state also has a life and health insurance guaranty association that provides additional protection up to state limits. Your licensed professional can show you each carrier's financial strength rating.
Most contracts let you withdraw a portion each year (often up to 10%) without a charge. Taking out more than that during the surrender period can trigger a surrender charge, so these work best for money you don't expect to need in the short term. Many contracts also waive charges for nursing home stays or terminal illness. You'll see the exact terms before you decide.
Yes. Funds from an IRA, 401(k), 403(b), TSP, or similar plan can usually be moved through a direct rollover or transfer, which keeps the money tax-deferred. Your licensed professional coordinates the paperwork with your current provider.
Interest grows tax-deferred, meaning you don't pay tax on it until you withdraw it. Withdrawals of earnings are taxed as ordinary income, and withdrawals before age 59½ may be subject to a 10% IRS penalty. We don't give tax advice, so talk with your tax professional about your specific situation.
Your named beneficiary receives the contract's value. Because a beneficiary is named on the contract, the money typically passes directly to them without going through probate.
Rates Change — Today's Rate Won't Wait
See how much of your savings you can protect.
Compare the options available in your state. Takes about two minutes. No obligation, no pressure.