Protect What You've Built.Guarantee What Comes Next.
For individuals with $250,000 or more in investable assets — discover how fixed indexed annuities are quietly becoming the cornerstone of sophisticated retirement portfolios.
What Is a Fixed Indexed Annuity?
Explained in Under 3 Minutes
A fixed indexed annuity (FIA) is an insurance contract that gives you the upside of market growth with a contractual guarantee that you will never lose your principal. It is not a stock. It is not a bond. It is a legally binding promise from a regulated insurance carrier.
Hypothetical illustration only. Not a guarantee of future performance. FIA interest subject to cap rates and participation rates set by the carrier.
When the index rises, your account is credited a portion of that growth — up to a cap rate (typically 8–14% per year depending on the contract). You participate in bull markets without owning the risk.
When the index falls — even by 30% or 40% — your account receives zero interest credit. Not negative. Zero. Your previous gains are locked in permanently via the annual reset provision. You never give back what you've earned.
You Fund the Contract
You transfer a lump sum — typically from savings, a 401(k) rollover, or an IRA — to the insurance carrier. Your principal is immediately protected. It cannot go down due to market losses.
Interest Is Linked to an Index
At the end of each crediting period (typically one year), the carrier calculates how much the chosen index — such as the S&P 500 — has grown. A portion of that growth is credited to your account.
The Floor Is Always Zero
If the index goes down, your account does not go down. You simply receive zero interest for that period. Your previous gains are locked in and cannot be taken away. This is called the annual reset.
Activate Guaranteed Income
When you're ready, you activate the income rider. The carrier calculates a guaranteed monthly payment — based on your account value and age — that you will receive for the rest of your life, no matter what.
Stock Market
Fixed Indexed Annuity
Bank CD / Savings
"The question isn't whether a fixed indexed annuity is right for you.
The question is how much of your retirement you can afford to leave unprotected."
The Wealthy Have Always Known
What Most People Never Learn
From the Great Depression to modern sports contracts, the most financially sophisticated individuals in history have used guaranteed income structures to protect and grow their wealth.
Babe Ruth
"The Sultan of Swat Swung for Certainty"
When the stock market collapsed in October 1929, wiping out fortunes overnight, Babe Ruth — the highest-paid athlete in America — was largely unscathed. His financial advisor had placed a significant portion of his earnings into annuities. While teammates and businessmen watched their wealth evaporate, Ruth continued collecting guaranteed income throughout the Depression. When asked how he could afford to hold out for a $80,000 salary during the depths of the crisis, Ruth reportedly said: 'I had a better year than Hoover.' He did — because his money was protected.
Benjamin Franklin
"America's First Founding Father of Guaranteed Income"
Benjamin Franklin understood the power of compounding guaranteed income before the concept had a name. In his will, Franklin left £1,000 each to the cities of Boston and Philadelphia — structured as annuity-like trusts designed to grow for 200 years. By 1990, those gifts had grown to over $6.5 million each. Franklin wrote in his will: 'Money is of a prolific, generating nature. Money can beget money, and its offspring can beget more.' He was describing, in 18th-century language, exactly what a properly structured annuity does for your retirement.
Bobby Bonilla
"The Greatest Deferred Annuity Deal in Sports History"
In 2000, the New York Mets owed Bobby Bonilla $5.9 million. Instead of accepting the lump sum, his advisor negotiated a deferred payment structure: starting in 2011, the Mets would pay Bonilla $1.19 million every July 1st for 25 consecutive years — totaling $29.8 million. The Mets agreed because they believed they could earn more investing the money (they were wrong — their funds were with Bernie Madoff). Every July 1st, 'Bobby Bonilla Day' trends on social media. Bonilla, now in his 60s, collects his check. He will continue to do so until 2035. This is the power of structured, guaranteed, deferred income.
The strategies that protected Babe Ruth's wealth in 1929 are available to you today — with modern guarantees, regulatory oversight, and triple-A rated carriers.
Explore Your OptionsYou Just Lost Your Job.
Don't Lose Your Retirement Too.
In 2025 alone, more than 1.17 million Americans were laid off or let go. For many, the immediate crisis is income. But the silent crisis — the one that compounds for decades — is what happens to the retirement savings sitting in a former employer's 401(k).
Most people do nothing. They leave the money where it is, subject to market risk, limited investment options, and the administrative chaos of a plan they no longer control. A small number of people — the ones who end up financially secure — make a deliberate decision within 60 days.
Understand Your 60-Day Window
When you leave an employer, you typically have 60 days to roll over your 401(k) without triggering taxes or penalties. Missing this window can cost you 20–30% of your balance immediately.
Evaluate Your Options Objectively
You can leave funds with your former employer, roll to a new employer's plan, roll to an IRA, or roll to an annuity. Each has distinct tax, growth, and income implications. We help you compare all four.
Lock In Guaranteed Income
A fixed indexed annuity rollover preserves your principal, eliminates market risk, and can generate guaranteed lifetime income — often starting immediately or at a future date you choose.
Receive Your Personalized Analysis
Within 48 hours of your consultation, you receive a side-by-side comparison of your rollover options with projected income scenarios, tax implications, and our specific recommendation.
"The consultation is completely free. There is no obligation. The only cost of not calling is the cost of doing nothing — and in retirement planning, doing nothing is always the most expensive option."
— Jarred Bonica, Bonica Capital Advisory
Every Concern You Have,
Addressed Before You Ask
We have read every Reddit thread, every AARP article, every financial forum where annuities are criticized. The objections are real. Here are the real answers.
Have a question not answered here?
Ask Jarred DirectlyNot Every Advisor Works
at This Level
Bonica Capital Advisory serves a select clientele of individuals with $250,000 or more in investable assets. Every client receives direct, personal attention from Jarred Bonica — not a junior associate, not an automated system.
Jarred Bonica founded Bonica Capital Advisory on a single principle: that high-net-worth individuals deserve the same caliber of guaranteed income strategy that institutional investors and the ultra-wealthy have always had access to. His practice is built on transparency, fiduciary-grade analysis, and a deep understanding of the products he recommends — not the products that pay the highest commission.
Real People.
Real Guarantees.
These are the outcomes that matter — not market returns, not theoretical projections. Certainty. Security. Peace of mind.
After 22 years at the company, I was let go in a restructuring. I had $680,000 in my 401(k) and absolutely no idea what to do with it. Jarred walked me through every option without any pressure. We moved $450,000 into a fixed indexed annuity and I sleep better than I have in years. I know exactly what I'll receive every month for the rest of my life.
Phoenix, AZ
As a physician, I spent 35 years building wealth and zero time learning how to protect it. My accountant kept telling me to 'diversify.' Jarred showed me something different — a strategy where I literally cannot lose my principal, my heirs are protected, and I receive guaranteed income regardless of what the market does. It was the most straightforward financial conversation I've ever had.
Scottsdale, AZ
When my husband passed, I had $1.2 million in various accounts and I was terrified of making a mistake. My financial advisor at the time was pushing me toward the stock market. Jarred took a completely different approach — he asked what I needed to feel safe. We structured an annuity that guarantees I will never outlive my income. That peace of mind is worth everything.
Tucson, AZ
Testimonials represent individual client experiences. Results vary. Names and identifying details have been changed to protect client privacy. Past outcomes do not guarantee future results.
Free Resource Library
Knowledge Is the First Step
These guides are provided at no cost and with no obligation. Each one was selected because it addresses a real question our clients ask before their first conversation with Jarred. Download any guide instantly — just tell us where to send it.
The 5 Questions to Ask Before Rolling Over Your 401(k)
Just left a job? This guide walks you through every decision point — the 60-day rule, your four options, guaranteed income modeling, and what every fee disclosure should include.
Preparing for Retirement Transitions: Protecting, Building & Generating Income
The most comprehensive guide in our library. Covers every phase of the retirement transition — protecting what you've built, continuing to grow it, and generating income you cannot outlive.
Your Retirement Income Blueprint: 3 Steps to a Better Plan
A practical, interactive worksheet that helps you map out every retirement expense — from housing and healthcare to bucket-list travel — and build an income hierarchy to fund them all.
The Market Recovery Math: Help Protect Your Top Assets
A single powerful chart that shows why protecting principal matters more than chasing returns. A 40% loss requires a 67% gain just to break even — and the S&P 500 took 14 years to recover from the dot-com crash.
The Sequence of Returns Risk: When You Retire Matters
Two portfolios. Same average return. One runs out of money at year 16. The other ends with $828,000. This flyer shows exactly why the order of market returns — not just the average — determines your retirement outcome.
Prefer to talk through your situation directly?
Jarred offers a free 30-minute consultation — no obligation, no pressure.
Book a Free ConsultationYour Retirement Deserves
A Private Conversation
This is a no-obligation, no-pressure consultation. Jarred Bonica will personally review your situation and present a customized analysis of how a fixed indexed annuity strategy could fit within your broader retirement plan.
Bonica Capital Advisory serves clients with a minimum of $250,000 in investable assets. This ensures every client receives the depth of analysis and personal attention their situation deserves.
Request Your Private Consultation
Jarred Bonica will personally reach out within 24 hours.