Helping clients plan and grow their retirement by exclusively utilizing non-variable annuities which offer protection against ANY losses while providing many options to watch your money grow
At Arrington Financial Group, we believe your retirement savings should never be at risk. That's why we specialize exclusively in non-variable annuities—financial instruments designed to protect your hard-earned money from market volatility while still providing opportunities for growth.
Our approach is simple: safeguard your principal while maximizing your potential returns. With decades of combined experience, we've helped countless clients achieve financial peace of mind.
The AFG Difference
Zero Loss Protection
Your principal is completely protected from market downturns. Never lose a penny to market volatility.
Growth Opportunities
Multiple options to participate in market gains while maintaining complete downside protection.
Personalized Service
Dedicated advisors who take time to understand your unique retirement goals and circumstances.
Understanding Non-Variable Annuities
Non-variable annuities are insurance contracts that provide guaranteed protection for your retirement savings. Unlike variable annuities or direct market investments, your principal is never exposed to market losses.
01
Principal Protection
Your initial investment is guaranteed and cannot decrease due to market performance.
02
Growth Potential
Participate in market-linked gains through various crediting strategies without downside risk.
03
Income Options
Convert your savings into guaranteed lifetime income when you're ready to retire.
04
Tax Advantages
Enjoy tax-deferred growth on your earnings until withdrawal.
Growth Without Risk
The beauty of non-variable annuities lies in their unique structure. You can participate in market gains through various indexing strategies—such as linking to the S&P 500 or other market indices—while your principal remains completely protected.
When the market goes up, you capture gains according to your chosen crediting method. When the market goes down, your account value stays exactly where it is. You never lose ground, only gain it.
0%
Market Loss Exposure
Your principal is completely shielded from market downturns
100%
Principal Protection
Every dollar you invest is guaranteed against loss
Multiple
Growth Strategies
Choose from various crediting methods to maximize returns
Our Client-Centered Approach
Discovery Consultation
We start by understanding your retirement goals, risk tolerance, and financial situation through an in-depth conversation.
Customized Strategy
We design a personalized annuity strategy that aligns with your specific needs and objectives.
Implementation
We handle all the paperwork and details to establish your protected retirement account.
Ongoing Support
We provide continuous guidance and regular reviews to ensure your strategy stays on track.
Who Benefits Most?
Pre-Retirees
If you're within 5-10 years of retirement, protecting your nest egg becomes critical. Non-variable annuities ensure market volatility won't derail your retirement plans.
Preserve wealth accumulated over decades
Eliminate sleepless nights over market crashes
Maintain purchasing power through growth
Recent Retirees
Already retired? Non-variable annuities can provide guaranteed income streams while protecting your remaining assets from market risk.
Create reliable income you can't outlive
Protect against sequence of returns risk
Maintain financial independence
Common Questions Answered
How do I access my money?
Most non-variable annuities allow penalty-free withdrawals of up to 10% annually. You can also annuitize for guaranteed lifetime income or take a full withdrawal after the surrender period.
What returns can I expect?
Returns vary based on market performance and your chosen crediting strategy. Historical averages range from 3-7% annually, with zero risk of loss in down years.
Are there fees?
Non-variable annuities typically have no annual fees. Costs are built into the product structure, and we'll explain all terms transparently before you commit.
What happens to my beneficiaries?
Your beneficiaries receive the full account value upon your passing, often with additional death benefit options available for enhanced protection.
Real Client Success Stories
"After the 2008 crash, I was terrified of losing my retirement savings again. AFG showed me how non-variable annuities could protect my principal while still growing. Best decision I ever made."
— Robert M., Retired Teacher
"I sleep better knowing my retirement is protected. When the market dropped last year, my account didn't lose a penny. Meanwhile, I've captured solid gains in the good years."
— Susan K., Former Business Owner
Join hundreds of clients who have discovered the peace of mind that comes with protected retirement growth. Let us show you how non-variable annuities can secure your financial future.
Start Your Protected Retirement Journey
Your retirement deserves the security and growth potential that only non-variable annuities can provide. At Arrington Financial Group, we're committed to helping you achieve financial peace of mind through personalized strategies and dedicated service.
Schedule a complimentary consultation today to discover how we can help protect and grow your retirement savings. There's no obligation—just honest guidance from experienced professionals who put your interests first.