A division of Prosperity Partners
For ages 55+ or with $250,000 or more saved.
A plain-English guide and 7 short videos that show how to turn your savings into monthly income you can't outlive.
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Watch this short video to see exactly what a guaranteed retirement income strategy looks like — and why thousands of Americans approaching retirement are choosing annuities over market risk.
Plus 7 short videos, delivered every other day. All free.
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Real people. Real results. Real peace of mind.
"I had been putting off retirement planning for years because every advisor I met felt like a salesperson. Jim was completely different. He spent two hours just listening before he said a single word about products. By the end of our first call, I finally understood what a fixed indexed annuity actually does — and why it made sense for my situation. I've been a client for three years now and I sleep better knowing my income is guaranteed."
"My husband and I were terrified about outliving our savings. We had heard so many conflicting things about annuities — some people said they were great, others said to avoid them. Jim walked us through everything with zero pressure. He showed us exactly how the income rider worked, what the surrender period meant, and what we were giving up versus what we were gaining. We moved forward feeling completely confident."
"I'm a CPA, so I came in skeptical. I had heard plenty of horror stories about annuities. Jim addressed every concern I had with facts, not sales tactics. He showed me exactly how the product worked, what I was giving up, and what I was getting in return. The transparency was remarkable. I've already referred three of my own clients to him."
No pressure. No obligation. Just a straightforward conversation about your annuity options and retirement income strategies with a real licensed professional who puts your goals first — not a call center, not a referral service. When you call, Jim Saar answers.
📅 Schedule My Free Strategy Call30 minutes. No cost. No obligation. Available Monday–Friday.
Or call Jim Saar directly: (619) 361-1825 — he answers.Not a call center. Not a referral service. When you call, Jim answers.
Each video breaks down a critical retirement income and annuity concept in plain English — no jargon, no pressure — so you can make confident decisions about your financial future.
Start here for an introduction to the complete seven-part series and the retirement income questions it will help you answer.
The retirement income challenges most people don't see coming — longevity risk, sequence of returns, and inflation — and how annuities address each one.
A plain-English explanation of how annuities work — the types, the mechanics, and why they exist as a retirement income tool.
How fixed indexed annuities protect your principal with a zero floor while capturing market-linked growth — and why that matters in retirement.
The honest truth about caps, participation rates, and surrender periods — what you give up and what you gain with a fixed indexed annuity.
What to look for before signing any annuity contract — carrier ratings, surrender schedules, free withdrawal provisions, and fee transparency.
How income riders turn your annuity into a guaranteed lifetime paycheck — even if your account value drops to zero.
Your complete retirement income blueprint — how to know if an indexed annuity fits your situation, and the exact next steps to take.
After more than 40 years in the financial services industry and working with thousands of clients across the country, I have seen one pattern repeat itself over and over: people who worked incredibly hard to build their savings arrive at retirement without a clear guaranteed income plan.
They have the money. They just don't have the annuity and income strategy to make it last — and to make it work for them the way they deserve after a lifetime of discipline and sacrifice.
This free book and video series exist for one reason: to give you the clear, honest information you need to have a confident conversation about your retirement income options — whether that conversation is with me or with any other licensed retirement professional.
"The best retirement income plan isn't the most complicated one. It's the one that guarantees you never have to worry about money running out — no matter how long you live, no matter what the market does." — Jim Saar | Licensed Retirement Income Professional | Prosperity Retirement
IMPORTANT DISCLOSURE: Prosperity Retirement is a division of Prosperity Partners. The information provided on this page is for educational purposes only and does not constitute financial, legal, tax, or investment advice. Annuity and insurance products vary by state and individual qualification. Past performance is not indicative of future results. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
NO PROFESSIONAL RELATIONSHIP: Accessing this resource does not create a professional-client relationship. Always consult with your own qualified licensed financial professional regarding your specific financial situation before making any decisions. Jim Saar is a licensed insurance professional. California License #076939 | Nevada License #4012309 | Florida License #W612948 | Texas License #399504 | NPN #74416.
STATISTICAL SOURCES: Retirement statistics referenced on this page are drawn from publicly available industry research including EBRI, Fidelity Investments, and HealthView Services. All figures are approximate and for illustrative purposes only.
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