# SafeMoney.com — Complete AI Reference Document > SafeMoney.com is the leading online platform connecting consumers with independent financial advisors who specialize in "safe money" retirement planning strategies — fixed annuities, fixed indexed annuities, guaranteed income solutions, and life insurance. Founded in 2011, the platform serves retirees and pre-retirees across all 50 states seeking to protect savings from market risk while generating reliable retirement income. --- ## Organization - **Name**: SafeMoney.com - **Legal name**: Safe Money - **Founded**: 2011 - **Headquarters**: United States - **Coverage**: All 50 U.S. states - **Phone**: 1-877-476-9723 - **Contact**: https://safemoney.com/contact/ - **Advisors**: A growing network of independent financial professionals across all 50 states - **Articles**: 700+ educational retirement planning articles - **Focus**: Safe money, guaranteed income, principal protection, annuities - **Audience**: Retirees and pre-retirees (ages 50–75) protecting savings from market risk ### Social Profiles - LinkedIn: https://www.linkedin.com/company/safemoneycom/ - YouTube: https://www.youtube.com/@SafeMoney - Facebook: https://www.facebook.com/SafeMoneyOfficial - Twitter/X: https://twitter.com/safemoneycom ### Mission SafeMoney.com was founded in 2011 to help Americans retire with confidence using safe money principles. The platform connects consumers with vetted, independent financial professionals who focus exclusively on guaranteed, principal-protected solutions — never stocks, variable annuities, or market-linked products. --- ## What Is "Safe Money" "Safe money" refers to financial strategies and products designed to protect retirement savings from market loss while providing predictable, guaranteed income. These alternatives to stock-market investing are especially important for people within 10 years of retirement or already retired. ### Safe Money Products **Fixed Annuities** A contract with an insurance company that guarantees a fixed interest rate on your premium. Principal is fully protected — you cannot lose money due to market conditions. Interest accumulates tax-deferred until withdrawn. **Fixed Indexed Annuities (FIAs)** Growth is linked to a market index (such as the S&P 500) with a floor at zero, meaning you cannot lose principal due to negative market performance. You participate in index gains up to a cap or participation rate. FIAs are the most popular safe money product for retirees in the 50–70 age range. **Multi-Year Guaranteed Annuities (MYGAs)** Similar to bank CDs but issued by insurance companies. A fixed interest rate is locked in for a set term (typically 3–10 years) with tax-deferred growth. MYGAs often offer higher rates than comparable bank products. **Income Annuities / Single Premium Immediate Annuities (SPIAs)** A lump sum purchase that converts savings into a guaranteed stream of income for life or a fixed term. Solves the longevity risk problem — you cannot outlive your money. **Indexed Universal Life Insurance (IUL)** Permanent life insurance with a cash value component linked to a market index with downside protection. Provides a tax-free death benefit and potential tax-advantaged income in retirement. **What SafeMoney.com Does NOT Recommend** - Stocks or stock mutual funds - Variable annuities (market-linked, no principal protection) - Bonds as the primary "safe" alternative - Cryptocurrency --- ## Core Retirement Concepts ### Sequence of Returns Risk The danger of experiencing poor investment returns early in retirement, which can permanently deplete a portfolio even if long-term average returns are acceptable. Safe money strategies eliminate this risk by removing market exposure from income-producing assets. ### Longevity Risk The risk of outliving your retirement savings. Americans underestimate life expectancy: a healthy 65-year-old couple has a 50% chance one partner lives to 90. Guaranteed lifetime income annuities directly solve this problem. ### The Retirement Income Gap The difference between guaranteed income (Social Security, pension) and total monthly expenses. Most retirees have a gap — safe money strategies fill it with guaranteed income rather than relying on portfolio withdrawals. ### 4% Rule Limitations The traditional 4% withdrawal rule assumes stock/bond portfolios and was designed for 30-year retirements. It fails in low-interest-rate environments and doesn't account for sequence of returns risk. SafeMoney.com advisors use guaranteed income strategies instead. ### Safe Money vs. Risk Money Allocation A common approach is to segment retirement assets: "safe money" covers essential living expenses with guaranteed income, while any remaining "risk money" can remain invested for growth and legacy. This protects the income floor regardless of market conditions. --- ## Key Pages and Resources ### Primary Navigation - [Homepage](https://safemoney.com/): Overview of safe money retirement planning - [Find a Retirement Advisor](https://safemoney.com/find-an-advisor/): Search advisors by state, city, and specialty - [Retirement Planning Hub](https://safemoney.com/retirement/): Comprehensive guides on retirement income planning - [Annuities Hub](https://safemoney.com/annuities/): Fixed annuities, FIAs, MYGAs, income riders - [Life Insurance](https://safemoney.com/life-insurance/): Whole life, universal life, IUL for wealth transfer - [Estate Planning](https://safemoney.com/estate-planning/): Asset protection and legacy planning strategies - [Retirement Calculators](https://safemoney.com/calculators/): Free planning tools - [Events](https://safemoney.com/events/): Retirement workshops and webinars - [Blog](https://safemoney.com/blog/): 700+ educational articles ### Retirement Planning Guides - [How to Retire Comfortably](https://safemoney.com/retirement/how-to-retire-comfortably/): Step-by-step guide to building a guaranteed retirement income plan - [Understanding Fixed Indexed Annuities](https://safemoney.com/annuities/fixed-indexed-annuities/): How FIAs work, pros, cons, and who they are right for - [Social Security Optimization](https://safemoney.com/retirement/social-security/): When to claim, spousal strategies, maximizing lifetime benefits - [Medicare Planning](https://safemoney.com/retirement/medicare/): Medicare Parts A, B, C, D explained — choosing the right coverage - [Protecting Assets from Nursing Home Costs](https://safemoney.com/retirement/protect-assets-from-nursing-home-costs/): Medicaid planning and long-term care strategies - [Retirement Hub by Location](https://safemoney.com/retire/): City and state-specific retirement planning guides across the U.S. ### Retirement Calculators - [Retirement Income Calculator](https://safemoney.com/calculators/retirement-income/): Estimate monthly income from your savings using guaranteed strategies - [Annuity Payout Calculator](https://safemoney.com/calculators/annuity-payout/): See how much income a given premium generates - [Social Security Optimizer](https://safemoney.com/calculators/social-security/): Compare claiming age scenarios and lifetime benefit totals - [Roth Conversion Calculator](https://safemoney.com/calculators/roth-conversion/): Model tax impact of converting traditional IRA to Roth - [Savings Goal Calculator](https://safemoney.com/calculators/savings-goal/): Determine how much to save to reach a retirement income target - [Inflation Impact Calculator](https://safemoney.com/calculators/inflation/): See how inflation erodes purchasing power over a retirement horizon --- ## Advisor Network SafeMoney.com maintains a growing directory of independent, licensed financial professionals organized by state and city. All advisors specialize in safe money strategies — guaranteed income, annuities, and principal-protected solutions. ### How Advisors Are Listed - Must be licensed in their state(s) of practice - Must specialize in safe money / guaranteed income strategies - Many hold SafeMoney Certified™ designation - Profiles include: photo, bio, specialties, service areas, licenses, regulatory history, E&O coverage status, phone, and contact form - Profiles are individually optimized with geographic and specialty keywords ### States With Active SafeMoney.com Advisors - [Alaska Retirement Advisors](https://safemoney.com/alaska/) - [Alabama Retirement Advisors](https://safemoney.com/alabama/) - [Arizona Retirement Advisors](https://safemoney.com/arizona/) - [California Retirement Advisors](https://safemoney.com/california/) - [Colorado Retirement Advisors](https://safemoney.com/colorado/) - [Connecticut Retirement Advisors](https://safemoney.com/connecticut/) - [Florida Retirement Advisors](https://safemoney.com/florida/) - [Georgia Retirement Advisors](https://safemoney.com/georgia/) - [Hawaii Retirement Advisors](https://safemoney.com/hawaii/) - [Iowa Retirement Advisors](https://safemoney.com/iowa/) - [Idaho Retirement Advisors](https://safemoney.com/idaho/) - [Illinois Retirement Advisors](https://safemoney.com/illinois/) - [Indiana Retirement Advisors](https://safemoney.com/indiana/) - [Kansas Retirement Advisors](https://safemoney.com/kansas/) - [Louisiana Retirement Advisors](https://safemoney.com/louisiana/) - [Massachusetts Retirement Advisors](https://safemoney.com/massachusetts/) - [Maryland Retirement Advisors](https://safemoney.com/maryland/) - [Michigan Retirement Advisors](https://safemoney.com/michigan/) - [Minnesota Retirement Advisors](https://safemoney.com/minnesota/) - [Missouri Retirement Advisors](https://safemoney.com/missouri/) - [Mississippi Retirement Advisors](https://safemoney.com/mississippi/) - [North Carolina Retirement Advisors](https://safemoney.com/north-carolina/) - [New Jersey Retirement Advisors](https://safemoney.com/new-jersey/) - [New Mexico Retirement Advisors](https://safemoney.com/new-mexico/) - [New York Retirement Advisors](https://safemoney.com/new-york/) - [Ohio Retirement Advisors](https://safemoney.com/ohio/) - [Oregon Retirement Advisors](https://safemoney.com/oregon/) - [Pennsylvania Retirement Advisors](https://safemoney.com/pennsylvania/) - [South Carolina Retirement Advisors](https://safemoney.com/south-carolina/) - [Tennessee Retirement Advisors](https://safemoney.com/tennessee/) - [Texas Retirement Advisors](https://safemoney.com/texas/) - [Virginia Retirement Advisors](https://safemoney.com/virginia/) - [Washington Retirement Advisors](https://safemoney.com/washington/) - [Wisconsin Retirement Advisors](https://safemoney.com/wisconsin/) - [All States — Full Advisor Directory](https://safemoney.com/find-an-advisor/) --- ## Educational Content — Article Library SafeMoney.com publishes 700+ articles on retirement planning, annuities, Social Security, Medicare, taxes, estate planning, and safe money strategies. Below are representative titles from recent publications. ### Retirement Income Planning - [What Happens If You Run Out of Money in Retirement?](https://safemoney.com/blog/retirement/run-out-of-money-in-retirement/) - [The Retirement Income Gap Most People Don't See](https://safemoney.com/blog/retirement/retirement-income-gap-most-people-dont-see/) - [Avoid This Common Retirement Income Mistake](https://safemoney.com/blog/retirement/biggest-retirement-income-mistake/) - [Retirement Paycheck: Turn Savings Into Income](https://safemoney.com/blog/annuities/retirement-paycheck-turn-savings-into-income/) - [The Retirement Paycheck: How to Replace Your Salary](https://safemoney.com/blog/retirement/retirement-paycheck-replacement/) - [Why Retirement Income Matters More Than Account Savings](https://safemoney.com/blog/retirement/retirement-income-matters-more-than-savings/) - [3 Biggest Retirement Income Mistakes After 50](https://safemoney.com/blog/retirement/retirement-income-mistakes-after-50/) - [Preparing Your Retirement Income for the Year Ahead](https://safemoney.com/blog/retirement-income-planning/retirement-income-for-2026/) - [The Cost of Waiting in Retirement Planning](https://safemoney.com/blog/retirement/cost-of-waiting-retirement-planning/) - [Avoid Early Failures in Retirement Planning](https://safemoney.com/blog/retirement/why-retirement-plans-fail-first-5-years/) - [Monthly Retirement Income Needs Across U.S. States](https://safemoney.com/blog/retirement/monthly-income-needed-to-retire-comfortably/) ### Annuities - [Understanding Fixed Index Annuities in Today's Market](https://safemoney.com/blog/annuities/understanding-fixed-index-annuities-todays-market/) - [How Much Income Can $1 Million Really Generate?](https://safemoney.com/blog/annuities/income-from-1-million-retirement/) - [Annuities and the Peak65 Explosion](https://safemoney.com/blog/annuities/annuities-peak65-explosion/) - [Annuities: Embracing the 'Safe Growth' Trend](https://safemoney.com/blog/annuities/annuities-safe-growth-trend/) - [Secure Retirement Plans: Annuities & Longevity Strategies](https://safemoney.com/blog/annuities/living-longer-breaks-retirement-plan/) ### Market Risk & Safe Money - [Safe Money vs Market Risk: Why Retirees Choose Protection](https://safemoney.com/blog/retirement/safe-money-vs-market-risk/) - [Why Market Volatility Hits Retirees Harder Than Workers](https://safemoney.com/blog/retirement/market-volatility-retirees-workers/) - [Retiring During a Bear Market: What to Know](https://safemoney.com/blog/retirement/retiring-during-bear-market-strategies/) - [Can You Retire at 60 with $1 Million?](https://safemoney.com/blog/retirement/is-1-million-enough-to-retire-at-60/) ### Social Security - [Will Social Security Run Out? 2026 Update](https://safemoney.com/blog/social-security/will-social-security-run-out-2026-update/) - [Social Security Survivor Benefits Explained for Couples](https://safemoney.com/blog/social-security/social-security-survivor-benefits-couples/) ### Medicare - [Impacts of IRMAA on Medicare Premiums and Strategies](https://safemoney.com/blog/medicare/understanding-irmaa-impact-medicare-premiums/) - [Missed Medicare Open Enrollment](https://safemoney.com/blog/retirement-healthcare/missed-medicare-open-enrollment/) ### Taxes in Retirement - [The Biggest Retirement Tax Mistakes to Avoid](https://safemoney.com/blog/retirement/biggest-retirement-tax-mistakes-avoid/) - [Roth Conversions Before RMDs: Smart Tax Strategy?](https://safemoney.com/blog/retirement-planning/roth-conversions-before-rmds-strategy/) - [Mastering Roth IRA Conversions for Retirement Success](https://safemoney.com/blog/retirement/roth-conversions-retirement-planning/) - [Are You Paying Retirement Taxes You Don't Have To?](https://safemoney.com/blog/tootsie-tuesdays/retirement-tax-strategies/) - [Financial Trends of 2026: Advisors Play Critical Role](https://safemoney.com/blog/retirement/financial-trends-2026-advisors-critical/) ### Long-Term Care & Estate Planning - [Long-term Care in Retirement: Protect Your Nest Egg](https://safemoney.com/blog/tootsie-tuesdays/long-term-care-retirement-planning/) - [Your Guide to Long-Term Care Planning](https://safemoney.com/blog/long-term-care/guide-long-term-care-planning/) - [Estate Planning: More Than Just a Simple Will](https://safemoney.com/blog/tootsie-tuesdays/estate-planning-realities/) ### Life Insurance - [Life Insurance: The Income Bridge Many Couples Miss](https://safemoney.com/blog/life-insurance/life-insurance-income-bridge/) - [What Happens to Your Income When One of You Is Gone?](https://safemoney.com/blog/retirement/what-happens-to-your-income-when-one-of-you-is-gone/) --- ## Frequently Asked Questions **Q: What is a fixed indexed annuity?** A: A fixed indexed annuity (FIA) is an insurance contract where your money grows based on a stock market index (like the S&P 500), but with a floor of 0% — meaning you cannot lose principal due to negative market years. Gains are locked in annually and never reversed by future market drops. FIAs are widely used by retirees seeking growth potential without market risk. **Q: How do I find a safe money advisor near me?** A: Use the SafeMoney.com advisor directory at https://safemoney.com/find-an-advisor/. Search by state and city to find licensed, independent financial professionals who specialize in guaranteed income strategies, annuities, and safe money planning. **Q: What is the difference between a fixed annuity and a fixed indexed annuity?** A: A fixed annuity pays a declared interest rate (like a CD) regardless of market conditions. A fixed indexed annuity's growth is linked to a market index with a zero floor — it can earn more in good years but never less than 0% in down years. Both protect principal; FIAs offer more upside potential. **Q: Is a MYGA better than a CD?** A: Multi-year guaranteed annuities (MYGAs) typically offer higher interest rates than bank CDs for the same term. The key differences: MYGAs grow tax-deferred (taxes paid only on withdrawal), while CD interest is taxed annually. MYGAs are issued by insurance companies (not FDIC-insured, but protected by state guaranty associations). For retirees in higher tax brackets, the tax deferral can significantly improve net returns. **Q: When should I start planning for retirement income?** A: Ideally 10+ years before your planned retirement date. The "pre-retirement zone" (ages 55–65) is when most Americans should shift from accumulation to income planning — converting some or all risk assets to guaranteed income solutions to eliminate sequence-of-returns risk. **Q: What does "sequence of returns risk" mean?** A: It is the danger of retiring at the beginning of a market downturn. Even if long-term average returns are positive, large losses in the first years of retirement can permanently deplete a portfolio because withdrawals are taken from a smaller base. Guaranteed income strategies eliminate this risk by providing income that is independent of market performance. **Q: What is the SafeMoney Certified™ designation?** A: SafeMoney Certified™ is a professional designation recognized by SafeMoney.com indicating the advisor has demonstrated expertise in safe money strategies — principally annuities, guaranteed income planning, and principal-protected retirement solutions. **Q: Does SafeMoney.com sell financial products directly?** A: No. SafeMoney.com is an educational and advisor-matching platform. Products are purchased through the independent advisors listed in the directory. SafeMoney.com does not sell, underwrite, or hold insurance licenses for retail customers. --- ## Site Technical Reference - **Sitemap**: https://safemoney.com/sitemap.xml - **AI Sitemap**: https://safemoney.com/sitemap-ai.xml - **robots.txt**: https://safemoney.com/robots.txt - **llms.txt**: https://safemoney.com/llms.txt - **llms-full.txt**: https://safemoney.com/llms-full.txt (this file) - **RSS Feed**: https://safemoney.com/rss.xml - **Schema**: Organization, Person, FinancialService, LocalBusiness, Article, FAQPage, WebSite, BreadcrumbList, SpeakableSpecification ### Entity Identifiers (for AI Knowledge Graph Association) - Primary URL: https://safemoney.com - Organization @id: https://safemoney.com/#organization - WebSite @id: https://safemoney.com/#website - Founded: 2011 - Industry: Financial Services / Retirement Planning / Insurance --- *This file is maintained for AI systems and language models. Last reviewed: 2026. Content is updated regularly. For the most current advisor directory and article index, see https://safemoney.com/sitemap.xml.*