Three specific reasons
More than 99% of annuities on the market fail to meet our strict standards for a Legacy Funding IUL–focused financial strategy. Here’s why:
Principal at Risk
Many annuities—specifically variable annuities—put your principal in jeopardy. While they may offer attractive returns when markets perform well, they can also expose you to significant losses during downturns. At Legacy by Design, we refuse to recommend products that lack sufficient safeguards. In today’s uncertain economic environment, your retirement strategy must prioritize protection and security—not unnecessary risk.
Low Rates of Return
Although annuities provide guaranteed income for life, most have historically delivered very modest returns. Over time, these low rates can erode wealth, especially when combined with inflation reducing your future purchasing power. For a truly lasting financial strategy, growth and protection must work together—not against each other.
High Costs
Many annuities are, at their core, high-cost products. While retirees have often accepted these expenses in exchange for guaranteed lifetime income, we believe the trade-off is rarely in the client’s best interest. High fees can significantly reduce long-term growth potential, which is why we avoid recommending products that diminish wealth instead of building it.
A Better Solution
Costs – Unlike many traditional annuities burdened with hidden fees and high expenses, this unique indexed annuity is designed with greater efficiency and transparency. That means more of your money is working for you, not against you.
This exclusive option gives our clients the confidence of safety, predictable growth, and cost efficiency—three pillars we believe every retirement vehicle must uphold.
How Can Our Team Help You to Reach Your Goals
Learning About You
Schedule a 30-minute call with our professional to discuss your goals and how we can help. This phone or Zoom call also outlines who we are and our process.
Organized Meeting
Meet with our team to gather the necessary data for your Financial Plan. We’ll discuss your finances, lifestyle, and goals, including investments, assets, expenses, and income.
Plan Meeting
Our advisor will present your personalized financial plan, ensuring it aligns with your evolving needs and goals, and provide clear steps to help you reach your financial objectives.
Implementation
Your advisor will send a copy of your plan with an actionable list of recommendations. We’ll implement and manage these, keeping you updated.
Dedicated to Building Your Financial Future
Predictable, Tax-Free Growth
We’ve helped countless successful individuals grow and protect their wealth with strategies designed for safety and predictability. With historical annual average returns of 5–10%—tax-free, our clients enjoy the confidence of knowing their money is working for them.
What does this mean in real life?
For every $1 million accumulated, you could generate $70,000–$100,000 in annual, tax-free retirement income—without ever touching your principal. That’s what true financial freedom looks like.
