Is Your 401(k) Really Ready for What’s Coming?

With economic tension building and markets reacting unpredictably, your 401(k) might not be the safe haven you think it is. Rising inflation, international conflict, and unstable interest rates are shaking financial markets — and if you're within 5–10 years of retirement, that kind of volatility can be devastating.

What’s the Risk?

Most 401(k)s are heavily invested in the stock market. That works well during long bull runs — but as we've seen time and time again, it takes only one major crisis to wipe out years of gains.

Whether it’s war overseas, a downturn in the economy, or continued inflation, market-tied accounts are exposed. And for pre-retirees, time is no longer on your side. You can’t afford to “wait it out” like you could in your 30s or 40s.

The hard truth? If the market drops 25% the year you plan to retire, your entire strategy could unravel.

What Can You Do Instead?

The good news is: there are tools built specifically to protect people in your stage of life.

By rolling over a portion of your 401(k) into a more stable, privately-structured option like an Indexed Universal Life (IUL) policy or a Fixed Indexed Annuity, you gain:

✅ Protection from Market Losses – Your money won’t disappear when the stock market takes a hit.
✅ Tax-Free Growth Potential – Your funds grow safely and efficiently, without annual tax burdens.
✅ Guaranteed Retirement Income – Create an income stream you can’t outlive, no matter what the markets do.

These options are not subject to the same risks as your traditional 401(k) or IRA. They’re designed for people who want peace of mind and predictability in uncertain times.

Take Action Now:

Waiting could cost you — not just money, but security.

If you're 50–64 and have saved at least $100,000 for retirement, a 30-minute Retirement Readiness Consultation can show you how to protect your hard-earned savings and grow your retirement income with confidence.

🎯 Click here to schedule your free consultation!

Let’s build a plan that’s ready for whatever comes next.