Fairmont Trust & Annuity — Protect What You've Built

Retirement Income Planning

Your money took
decades to build.
One wrong market
shouldn't end it.

A fixed index annuity protects everything you've saved while still letting your money grow. No market risk. No guessing. A guaranteed income you cannot outlive.

Attend Free Webinar See If It's For You

Why People Are Moving to FIAs Now

$126B

Sold in fixed index annuities in 2024 alone. Americans protecting retirement money at a pace never seen before.

Market loss exposure. When markets fall, your principal doesn't move. You participate in the upside, none of the down.

Lifetime

Guaranteed income options. A monthly check you cannot outlive, regardless of what markets do or how long you live.

The Real Problem

The market doesn't
care that you're
five years from retiring.

You've done the work. Saved for decades. Built something real. And now you're sitting in accounts that can drop 30% on a Tuesday with no warning and no timeline for recovery that fits your life.

The window between 55 and 70 is the most financially dangerous stretch of your entire life. A significant loss right before or right after retirement doesn't just hurt. It permanently changes how you live.

You don't have thirty years to wait it out. You need a structure that works differently.

"What if the market crashes right before I retire?"

A 30% drop at 38 is a setback. At 58, it can permanently alter your retirement. You can't work longer forever. And you can't un-lose a decade of savings in the years you need it most.

"What if I outlive my savings?"

Retirements are lasting 25 to 30 years now. Drawing down a fixed account that long, with no guaranteed floor, is a math problem most people don't run until it's too late to change the answer.

"I want growth but I can't stomach another loss."

CDs quietly lose to inflation every year. The market is too unpredictable to trust completely. Most people don't know there's a third option that sits between the two, and actually works.

"I want to leave something behind."

Part of why you worked this hard is because of who comes after you. The right structure protects your legacy cleanly, outside of probate, on your terms.

Who This Is For

Not every person
needs this. But if
you do, you'll feel
it immediately.

Fixed index annuities aren't for everyone. They're for people who've built real wealth and can't afford to watch a bad market year erase years of discipline. If these sound like your situation, it's worth a conversation.

Reserve Your Free Seat

You're between 55 and 75 and starting to think seriously about what monthly income actually looks like when work stops.
You have $100,000 or more in savings, a 401k, IRA, or investments you want to protect without giving up all growth potential.
You've watched the market swing and felt the anxiety that comes with it. A major loss right now would change everything, and you know it.
You want income you cannot outlive, a guaranteed monthly check that keeps coming no matter what markets do or how long you live.
You want to leave something behind, structured cleanly, outside of probate, that transfers to the people you care about on your terms.

The Fairmont Approach

Market upside.
Zero downside.
Income for life.

A fixed index annuity isn't a product. It's a structure. One that gives you participation in market gains while your principal is contractually protected. When the index rises, your account earns. When it falls, you earn zero, not negative. Your money stays whole. And with the right income rider, it pays you a guaranteed check every month for the rest of your life, no matter how long that is.

Principal Protection

Your original deposit is contractually guaranteed by the insurance carrier. Market crashes, corrections, volatility, none of it touches what you put in. What you deposited is what you keep.

Index-Linked Growth

Your account earns interest based on a market index like the S&P 500. When it rises, you participate up to your cap or participation rate. When it falls, you earn zero. Never negative.

Guaranteed Lifetime Income

With an income rider, your annuity converts to a monthly check that lasts your entire life. It doesn't matter how long you live or what happens in markets. The income doesn't stop.

"The question isn't whether you have enough to retire. It's whether the structure around your money can survive what you can't predict."

Fairmont Trust & Annuity

The Process

Simple. Transparent. No pressure.

Most people spend 45 minutes with us and understand their options better than they have in years. No obligation. No pitch. Just clarity.

Attend the Webinar

Free, no obligation. We walk through exactly how FIAs work, who they're right for, and what to watch out for. You'll walk away knowing more than most advisors want you to.

Private Strategy Call

If it makes sense, we schedule a one-on-one. We look at your actual numbers, your timeline, your goals. No generic advice. No product push.

Custom Illustration

We show you real projections from real carriers based on your deposit, your age, and your goals. You see exactly what your income and protection looks like.

You Decide

You're never pressured. If you move forward, we handle every detail. If you don't, you still leave knowing exactly where you stand.

Free Education. Zero Obligation.

Forty-five minutes could
change how you think about
the rest of your life.

Join our free live webinar. We walk through exactly how fixed index annuities work, what they cost, what they don't do, and whether your situation is a fit. Honest information. No sales pitch. Come with questions.

Upcoming Live Webinar

Protecting Your Retirement in a Volatile Market: What Most Advisors Don't Tell You

A straight, no-jargon walkthrough of fixed index annuities — how they work, who they're right for, and what to look out for before you sign anything. Presented live by the Fairmont team.

Reserve My Free Seat

Fairmont Trust & Annuity is a licensed insurance agency. Fixed index annuities are insurance products, not securities. All guarantees are subject to the claims-paying ability of the issuing carrier. Individual results vary. Attend the webinar to understand what applies to your specific situation.

Your money took decades to build. One wrong market shouldn't end it.

The market doesn't care that you're five years from retiring.

Not every person needs this. But if you do, you'll feel it immediately.