What We Provide
Ready to explore the benefits of Fixed Index Annuities & secure your financial future?
- Principal Protection
- Market Linked Growth
- No Direct Market Exposure
- Reduced Stress and Uncertainty
- Designed for Retirement Security
- No Annual Management Fees
- Customizable Payout Options
- Principal Protection
- Market Linked Growth
- No Direct Market Exposure
- Reduced Stress and Uncertainty
- Designed for Retirement Security
- No Annual Management Fees
- Customizable Payout Options
What is a Fixed Index Annuity?
A fixed index annuity is a financial product that offers the potential for growth tied to the performance of a stock market index while also providing a guaranteed minimum interest rate. It's designed to offer safety of principal, growth potential, and the option for guaranteed income in retirement. It offers a reliable source of income, allowing you to maintain your desired lifestyle and cover essential expenses even after you've retired.
Potential for growth tied to the performance of a stock market index
Designed to offer safety of principal & growth potential
Offers a reliable source of income, allowing you to maintain your desired lifestyle and cover essential expenses during retirement
Offers the option of guaranteed income for your lifetime so you don't run out of money in retirement
Why Choose a Fixed Index Annuity?
Lifetime Income
Legacy
No Market Risk Safe Growth
Learn about safe growth that will protect you from market risk before and during retirement
Are you afraid of running out of money in retirement?
Take Control of Your Financial Future
Understanding your lifetime income potential is a crucial step in planning for a secure and comfortable retirement.
Secure Your Financial Future
Understanding your safe growth options is critical in your preparation before and after retirement.
* The content presented here is intended as information only and is not intended to represent tax, legal, or investment advice. Financial products can differ based on state of residence, age, and product selected. Many financial products, such as annuities, may contain surrender charges and/or restrictions on access to your funds. Optional lifetime income benefit riders are used to calculate lifetime payments only and are not available for cash surrender or in a death benefit unless specified in the annuity contract. In some annuity products, fees can apply when using an income rider. Guarantees are based on the financial strength and claims paying ability of the insurance company. Read all insurance contract disclosures carefully before making a purchase decision. Rates and returns mentioned on any program presented are subject to change without notice.
We understand the importance of ensuring a steady stream of income during your retirement years and/or providing a safe growth option to protect your retirement savings.
That's why we offer a range of Fixed Index Annuity options designed to provide you with peace of mind and financial stability.
FIAs are most valuable when purchased as part of a long-term retirement plan, typically between ages 50–70, when you are building or preserving your nest egg for future income.
Yes. The earnings on your annuity grow tax-deferred, meaning you won’t pay taxes on the interest until you begin withdrawing funds. This allows your money to compound more efficiently over time.
At Fixed Index, we combine years of expertise with a personalized approach. We’ve helped protect over $250 million in retirement assets and guided more than 1,200 families with smooth strategies. Our focus is not just on financial products but on building lasting security and trust for every client we serve.
FIAs generally have little to no annual management fees. Some optional features, such as income riders, may come with additional costs, but these are fully disclosed before you purchase.
How We Can Help
Meet Michael Lally:
Your Retirement Advisor
With over 25 years of experience in Financial Services, Michael acts in your best interest to achieve your financial goals. He specializes in investment, retirement, and long-term care planning, providing personalized guidance to help you secure your financial future.
Michael Lally is an insurance agent licensed in RI, MA, ME, CT, NH, PA, DE, MD, VA, NC, SC, GA, FL, CA, AZ, CO, NV.
All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Opinions expressed herein are solely those of Lally Wealth Management, LLC, and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Lally Wealth Management, LLC, a Registered Investment Advisor in the State of Rhode Island. Being registered as an investment adviser does not imply a certain level of skill or training. Lally Wealth Management, LLC is not affiliated with or endorsed by the Social Security Administration or any other government agency. The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Rhode Island or where otherwise legally permitted. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.