Indexed Annuities—Growth Potential with Downside Protection

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Looking for a way to grow your retirement savings without risking market losses? An indexed annuity might be the answer. It offers the opportunity to earn interest based on the performance of a stock market index—without actually being in the market.


At Integrity Financial Solutions Group in Gilbert, Arizona, we guide clients across the state through the benefits, trade-offs, and strategies behind indexed annuities—so you can grow confidently, even in uncertain times.


Want clarity on how indexed annuities work? Start with our contact form.

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How Indexed Annuities Work

With an indexed annuity, your interest is tied to a market index like the S&P 500. Your money stays protected—if the market goes down, your account won’t lose value.


But when the index performs well, your annuity earns interest—usually capped or adjusted by factors like a participation rate or spread. It’s a way to enjoy growth while avoiding steep losses.

We’ll help you understand exactly how your interest is credited, how to select an index, and what to expect year over year.


Want to see real-world examples? We’ll walk you through it. Reach out today!

Why Choose an Indexed Annuity in Arizona?

Indexed annuities are popular with pre-retirees and retirees who want more than a fixed rate—but less risk than stocks. They can:


  • Offer tax-deferred growth
  • Lock in gains periodically to preserve returns
  • Be customized for future income or legacy planning


We’ll help you explore which product types align with your timeline, goals, and comfort level.


Thinking about adding safety with upside to your retirement plan? Let’s talk.

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What to Watch For

Indexed annuities aren’t risk-free, but they’re built for protection. You won’t lose money due to market drops—but your gains are often limited, and you may face penalties for early withdrawals.


We’ll help you:


  • Understand surrender periods
  • Compare participation rates or caps
  • Decide if optional income riders make sense for your goals


Concerned about fine print? We’ll make the details easy. 

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Who It’s Right For

If you want secure growth without daily market exposure—and you’re okay with some limits on earnings—indexed annuities may be worth exploring. They’re especially helpful for those looking to:


  • Preserve wealth
  • Prepare for future retirement income
  • Reduce anxiety around market swings


Wondering how indexed annuities compare to other tools?  Schedule your no-cost consultation.

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Let’s Make Retirement Planning Clear and Confident

At Integrity Financial Solutions Group, we’re not here to sell—we’re here to guide. As an independent team based in Gilbert, we help you understand your annuity options with clarity and confidence, so you can make choices that support your future.



We’ll show you side-by-side comparisons from top-rated carriers and explain how each option fits your financial goals—always at your pace.