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  • Licensed in California · LIC# 0M10241
  • Local offices in Salinas and Downey
  • Options from several insurance carriers

We work with carriers like

  • National Life Group
  • Midland National
  • Athene
  • F&G Annuities & Life
  • Mutual of Omaha

Many Americans Leave Behind Retirement Accounts – Are You One of Them?

Did you know an estimated 1 in 5 U.S. workers have left behind or forgotten retirement accounts? If you’ve changed jobs over the years, your assets in employer-sponsored retirement plans like 401(k)s or 403(b)s might be inactive, sitting untouched.

The Risks of Inactive Retirement Accounts

  • Forgotten accounts can derail your retirement savings plan.
  • Managing multiple accounts is time-consuming and confusing.
  • Inactive accounts may not align with your financial goals.
 

A Fixed Indexed Annuity changes the game. It’s more than a retirement plan—it’s a comprehensive solution to safeguard your future.

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Why Choose a Fixed Indexed Annuity?

Fixed Indexed Annuities offer a balanced solution by linking your returns to market performance while safeguarding your principal from market drops. These annuities ensure a steady income stream for life, making them

an excellent component of your retirement plan.

The Benefits

Tax-Free Roll Over

Move your 401(k) into a FIA while maintaining tax-deferred status.

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Growth Potential

Earn interest linked to market index performance without direct stock market risks.

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Lifetime Income Security

Ensure you never outlive your savings with guaranteed income for life.

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Market Protection

Your principal is safeguarded against market losses—never lose money during downturns.

Flexibility

Access funds, add optional riders for inflation protection, and enjoy tailored features.

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Legacy Planning

Leave behind a financial legacy with guaranteed death benefits for your loved ones.

What happens after you reach out

  1. Tell us about you

    Share your name, contact details and what you'd like to protect. It takes about a minute.

  2. Talk with a licensed agent

    An agent reaches out to learn your goals and budget and answer your questions.

  3. Compare and decide

    Review options side by side and choose what fits, at your own pace.

What clients say about working with CPIS

  • “They really take the time to educate and care for their clients, not just sell services. From life insurance and annuities to living trusts and brokerage services, they offer everything in one place and make the process feel simple and trustworthy.”
    Vanessa R.Google review · May 2026
  • “It was a pleasure working with Jose and Clara. … I'm so glad that I reached out to them for help. They educated me about life insurance and I'm very grateful.”
    Daniel M.Google review · May 2026

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Rolling Over Your 401(k) Is Simple.

Transfer your 401(k) into a Fixed Indexed Annuity to protect your savings and grow with market performance—without direct stock investments. Your principal stays safe, and earnings are added to your account each term. Choose lifetime income or keep growing your investment.

Take control of your retirement savings today and secure your financial future

Frequently Asked Questions

How does an indexed annuity differ from a fixed annuity

The difference between the two is in how much your principal will earn. A fixed annuity guarantees compounded returns based on a fixed interest rate. An index annuity's returns vary with the market index it is linked to.

What does "principal Protection" mean?

Your money in a fixed index annuity (FIA) is not at risk from market losses. While FIAs credit interest based on an external index, you don’t actually participate in the market. This means your principal is safe from market losses, though fees and charges can still reduce your annuity's value.

What are the initial cap rate guaranteed periods?

After five or seven years, the initial guaranteed period expires. Renewal interest rates and caps are declared each contract anniversary. These rates and caps will never be less than the minimums stated in the contract.

How is indexed interested calculated?

Indexed interest is determined by index allocation options and crediting methods. Each crediting period, you can allocate your cash value to options that track an external index's performance. If the index performs well, we use a formula to calculate your indexed interest. Since no single allocation or crediting method is always best, your financial professional can help you choose the right combination for your goals.

More questions people ask

Can you roll a 401(k) into an annuity?

Yes. When you leave an employer or retire, you can usually move your 401(k) into an IRA annuity, such as a fixed indexed annuity. Some plans also allow in-service rollovers after age 59½. Your plan administrator can confirm what your plan allows.

Is rolling a 401(k) into an annuity taxable?

A direct rollover from a 401(k) to an IRA annuity is not a taxable event. Taxes apply later when you take withdrawals or income. Having the check made out to you instead can trigger 20% withholding, so a direct trustee-to-trustee transfer is usually best.

Should I roll my 401(k) into an annuity?

It depends on your goals. An annuity can add principal protection and lifetime income, while staying in the plan or a brokerage IRA keeps more market exposure and fewer surrender charges. A licensed professional can compare the options with you.

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