For many retirees, the first mission is securing the income they’ll need to cover their monthly essentials—the Guaranteed Income Plan. Once that’s in place, the next question naturally arises:

That’s where this page comes in. We help you discover options to accumulate your savings in ways that keep your money protected while giving it a chance to grow.

One of the most powerful tools in retirement planning is compounding interest. But here’s the secret: compounding works best when you avoid negative years.
Every loss forces you to “fight your way back” just to reach even. Imagine a retirement portfolio where 0% is your worst year, not your best hope.

That’s what certain Safe Growth solutions can offer—along with another big advantage:
No Hidden Fees to Bleed Away Your Savings
Many folks are shocked to find out that traditional bank products or brokerage accounts often come with layers of hidden fees—management fees, advisory fees, transaction costs—that chip away at your growth year after year.

It’s like a small hole in the bottom of your retirement bucket—one you can’t always see, but over time, it drains away dollars that should have been compounding for you.
With Safe Growth tools like MYGAs and many modern Fixed Index Annuities, there are typically NO annual fees on your accumulation value. That means:

A MYGA (Multi-Year Guaranteed Annuity) is a simple, safe product that functions much like a CD at a bank—but with several advantages:

A Fixed Index Annuity (FIA) combines principal protection with growth potential based on a market index (such as the S&P 500).

Here’s the key difference: you are never invested in the market itself—you simply earn credited interest based on how the index performs (up to a cap or with a participation rate).

Benefits include: