Our services
Asset Preservation
Acclivus advisors explore solutions that help protect accumulated assets from unnecessary risk and volatility. This includes leveraging insurance products, fixed and indexed annuities, and qualified account rollovers — all tailored to help reduce market exposure and encourage long-term stability.
Our approach
How we help
01
Measure the risk you're actually taking
Many pre-retirees carry more market exposure than they realize. We start with a clear picture of what a 2008-style downturn would do to your current holdings.
02
Protect the money with a job
Dollars earmarked for near-term income deserve different protection than long-term growth dollars. Fixed and indexed annuities can shield the income layer from market loss.
03
Handle rollovers carefully
Moving a 401(k) or IRA is a decision with tax consequences and one-per-year rules. We coordinate qualified rollovers so nothing triggers an avoidable tax bill.
Common questions
Have more questions?
What is a fixed indexed annuity?
An insurance contract whose interest is linked to a market index, with a floor that protects your principal from market loss. Growth is typically limited by caps or participation rates. We explain the exact crediting terms of any contract before you commit.
Is moving my 401(k) to an IRA the right move?
Sometimes. A rollover can broaden your options and simplify accounts, but employer plans have protections and pricing worth comparing first. We walk through both sides before you move anything.
What's the difference between a fixed annuity and a fixed indexed annuity?
A fixed annuity credits a set interest rate the insurance company declares in advance. A fixed indexed annuity credits interest based on the performance of a market index, subject to a cap or participation rate, but with the same protection against loss of principal. We compare the actual crediting method, not just the label.
Are annuities protected from creditors or lawsuits?
Protection varies significantly by state and by the type of account. Some states offer strong protection for annuity cash values; others offer very little. This is a legal question we'd point you to your attorney on, but we can explain how the product itself is structured.
What are surrender charges, and how long do they last?
A surrender charge is a fee for withdrawing more than a contract allows in the early years of an annuity, typically declining over 5–10 years. We review the exact schedule of any contract before you sign, including what percentage you can access penalty-free each year.
Is my money still growing if the market goes down?
With principal-protected products like fixed and fixed indexed annuities, your credited value doesn't decline due to market losses — though in flat or negative index years, a fixed indexed annuity may simply credit no interest for that period rather than losing value.
Quick check
Tell us where you stand
Three quick questions about asset preservation — your answers go straight to a licensed advisor, who replies with guidance specific to your situation. No generic packet.
Free · 2 minutes · no sign-up to see your score
How ready is your retirement plan, really?
Eight questions reveal which gap to close first — income, health coverage, care costs or legacy. Most people find at least one they hadn't thought about.
Take the first step toward financial clarity
Schedule a complimentary consultation and get a personalized strategy tailored to your goals, your timeline, and your future. No cost. No obligation.