Jim Saar is a licensed retirement income specialist with 40+ years of experience. He is not a referral service, not a lead-gen platform, and not a chatbot. When you call, Jim answers.
📞 Call Jim Saar Directly: (619) 361-1825Two powerful paths — choose the one that fits your situation, or call Jim and he will help you decide.
Guaranteed income solutions and annuity products for a worry-free retirement. Get your free copy of The Retirement Paycheck and Jim's 7-part video series.
One of the most powerful wealth-building strategies available to high-income earners — using borrowed capital to fund large life insurance policies tax-efficiently.
Use this quick estimator to see a ballpark of what a fixed indexed annuity with an income rider could generate for your specific savings amount and timeline. For educational purposes only — your actual numbers will vary based on your age, carrier, and product selection.
Adjust the sliders to match your situation.
This estimate uses a simplified income rate of 5.5%–6.5% annually based on typical fixed indexed annuity income rider rates as of 2026, adjusted for deferral period. Actual rates vary by carrier, product, age, and state. This is not a quote or guarantee. Speak with Jim for your actual numbers.
📞 Call Jim Saar for Your Real Numbers: (619) 361-1825
Jim has spent over four decades helping individuals and families turn their savings into reliable, guaranteed retirement income. He works with annuities, premium financing strategies, and income planning — and he does it as an independent advisor, not a captive agent for any single carrier.
His mentor is Marshall Sylver — one of the world's foremost authorities on persuasion, influence, and peak performance — and that philosophy of genuine, pressure-free education is at the core of everything Jim does.
There are no scripts. No sales pressure. Just a straightforward conversation about your options.
📞 (619) 361-1825 — Jim Saar answers.Jim Saar is a real licensed retirement professional with 40+ years of experience and a direct phone number — not a referral service, not a lead-gen platform, not a chatbot. When you call, Jim answers.
Call or text (619) 361-1825 and Jim Saar answers — not a receptionist, not a call center, not an automated system. You get the advisor, not the machine.
Jim has worked with thousands of clients across the country over four decades. He has seen every market cycle, every product generation, and every mistake people make in retirement income planning.
Jim's philosophy — shaped by 40 years of client relationships — is that the right product sells itself when the client fully understands it. You will never feel pushed, rushed, or sold to.
Jim works with multiple top-rated carriers to find the best annuity rates and income solutions for your specific situation — not just the products one company happens to offer.
Jim works with a specific type of client — and if you fit this profile, the strategies available to you are significant.
Approaching retirement or recently retired and thinking seriously about income, safety, and legacy.
You have accumulated meaningful assets and want to protect and optimize them — not gamble them on the market.
You are more concerned about not losing money than you are about chasing maximum returns.
You want to turn your savings into a reliable monthly paycheck you cannot outlive — regardless of what the market does.
Most people approaching or in retirement are quietly worried about the same things. You are not alone — and there are real annuity and income solutions that answer every one of these concerns.
With retirements now stretching 25–30+ years, the fear of outliving your savings is the #1 concern for Americans over 55. A guaranteed lifetime income annuity can eliminate this risk entirely.
A major market correction in the early years of retirement can permanently damage your income. Fixed indexed annuities offer market-linked growth with zero downside risk.
Even modest inflation over 20 years can cut your purchasing power in half. The right annuity income strategy can build in inflation protection so your income grows over time.
The average couple will spend over $300,000 on healthcare in retirement. A properly structured retirement income plan accounts for this reality from day one.
Plain-English answers to the questions most people have before they speak with a licensed retirement income professional.
An annuity is a contract between you and an insurance company. You make a lump-sum payment or series of payments, and in return the insurance company provides regular disbursements beginning either immediately or at some point in the future. Annuities are primarily used as a tool to generate guaranteed retirement income and to protect against the risk of outliving your savings.
A fixed annuity pays a guaranteed interest rate for a set period — similar to a CD but typically with higher rates and tax-deferred growth. A fixed indexed annuity (FIA) links your interest credits to the performance of a market index like the S&P 500, but with a floor of zero — meaning you can never lose principal due to market declines. FIAs offer the potential for higher growth while still protecting your retirement savings.
A Multi-Year Guaranteed Annuity (MYGA) is a type of fixed annuity that guarantees a specific interest rate for a set number of years — typically 3 to 10 years. MYGAs are often compared to bank CDs but typically offer higher rates and tax-deferred growth. They are a popular choice for retirees who want predictable, safe growth without market risk.
An immediate annuity (also called a SPIA — Single Premium Immediate Annuity) begins paying income almost immediately after you make your lump-sum payment — typically within 30 days. A deferred annuity accumulates value over time before converting to an income stream at a future date you choose. Which is right for you depends on when you need the income to begin.
Annuity rates are primarily influenced by prevailing interest rates, the insurance company’s financial strength, the type of annuity, and the payout period you select. Fixed annuity rates and MYGA rates tend to be higher when interest rates are elevated. Your age and health can also affect income annuity payout rates.
Having a pension does not disqualify you from benefiting from an annuity — in fact, many retirees with pensions use annuities to supplement their guaranteed income, protect their IRA or 401(k) assets from market risk, or provide income for a surviving spouse.
Sequence of returns risk is the danger that a major market downturn in the early years of your retirement permanently damages your income — even if the market eventually recovers. A fixed indexed annuity with a guaranteed income rider eliminates this risk entirely: your income floor is contractually guaranteed regardless of what the market does.
Yes. Rolling over a traditional IRA or 401(k) into a fixed annuity or fixed indexed annuity is one of the most common strategies for converting accumulated retirement savings into guaranteed lifetime income. The rollover is typically a tax-free transfer when done correctly as a direct trustee-to-trustee transfer. Jim can walk you through the exact process for your specific situation.
A Social Security bridge strategy involves using an annuity or other income source to cover your living expenses from the time you retire until age 70 — allowing you to delay claiming Social Security and maximize your lifetime benefit. For every year you delay past your full retirement age, your benefit increases by approximately 8%.
Look for someone who is independently licensed (not captive to a single insurance company), has verifiable state license numbers, and will explain every product in plain English without pressure. Jim Saar is licensed in California (CA #076939), Nevada (NV #4012309), Florida (FL #W612948), and Texas (TX #399504) and works with clients nationwide. Call or text Jim directly at (619) 361-1825 — he answers.
Schedule a free 30-minute retirement income strategy call with Jim. No pressure. No obligation. Just a straightforward conversation about your options — with a real licensed professional who puts your goals first.
📅 Schedule My Free Strategy Call 📞 Or call Jim Saar directly: (619) 361-1825 — he answers.30 minutes. No cost. No obligation. Available Monday–Friday.