Retirement Planning
A thoughtful strategy for the income, freedom, and confidence your next chapter deserves.
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Providence Capital & Holdings
Protect What
You’ve Built.
Prepare for What
Comes Next.
Thoughtful retirement, insurance, and legacy strategies for individuals and families who value what they’ve built—and what lies ahead.
YOUR LIFE. — YOUR LEGACY. — A CONSIDERED APPROACH.
A LONG-TERM PERSPECTIVE ↓
Personal GuidanceThoughtful ProtectionLegacy-Minded Planning
Built around what matters
Your future. Our thoughtful focus.
The right strategy starts with understanding you. We help you evaluate options that support your life today and your aspirations for tomorrow.
Life Insurance
Considered protection for the people you love and the commitments you want to honor.
Explore Life InsuranceAnnuities
Explore insurance-based strategies for retirement income and long-term financial stability.
Explore AnnuitiesWealth & Legacy
Align what you’ve built with what you want to preserve for the next generation.
Explore Legacy StrategiesA perspective on possibility
Retirement Growth Comparison
Hypothetical Educational Illustration — Not a Guarantee or Prediction of Future Results
Starting Amount
$250,000
Time Horizon
20 years
Hypothetical Ending Value
$602,929
Total Hypothetical Growth
$352,929
Fixed Annuity
$602,929
Fixed Indexed Annuity
$638,507
CD
$497,447
Treasury
$547,781
S&P 500 / Market Index
$801,784
Cash / Savings
$305,048
Summary: Fixed Annuity. Growth = ending value − starting amount − contributions + actual withdrawals. Contributions and withdrawals occur at year-end; withdrawals stop at zero balance. Rates remain constant in assumed-return mode. No taxes, fees or inflation adjustments are deducted.
Important assumptions & comparison differences
This is a generic educational calculator, not a personalized recommendation, carrier-approved illustration or current rate quote. Actual annuity crediting depends on the contract, carrier, index, crediting method, cap, participation rate, spread and other applicable terms; rates may change. No actual carrier product data or methodology has been supplied.
FIA credits use a hypothetical annual point-to-point method: the greater of zero and index price return multiplied by participation, limited by the cap. The cap is a limit, not an annual return. A 0% interest-credit floor does not mean the contract cannot lose value from withdrawals, surrender charges, rider charges or other provisions. This example assumes no spread, fees or rider charges. Index comparisons do not represent direct stock ownership within an FIA.
Fixed, CD and Treasury assumptions are held constant with annual compounding and reinvestment throughout the horizon; actual guarantee periods, maturities and renewal rates vary. Annual additions may not be permitted for every contract or security. Historical index mode applies actual calendar-year price returns to the market line and the hypothetical crediting method to the FIA line; other lines remain assumptions. It omits dividends, including reinvestment, which understates a total-return market comparison. Past performance is not predictive.
Taxes, fees, costs, inflation and withdrawal restrictions may materially change results. Nonqualified annuities generally offer tax deferral; distributions may be taxable as ordinary income and early withdrawals may incur additional tax. CDs and savings generally generate taxable interest; Treasury interest is generally subject to federal but not state/local income tax. Investment dividends and capital gains have different tax treatment. Qualified account treatment differs. Annuities may offer income or insurance features absent from deposits or market investments; none are modeled here. Insurer guarantees depend on its claims-paying ability. Consult qualified tax and legal professionals.
| Comparison | Principal & guarantees | Liquidity & costs |
|---|---|---|
| Fixed Annuity | Carrier-backed contract guarantees; not FDIC insured. | Surrender periods and withdrawal limits; charges may apply. |
| Fixed Indexed Annuity | Index-linked crediting, not index ownership; insurer guarantees. | Caps, participation, riders and surrender charges can limit results. |
| CD | FDIC coverage only at insured banks within applicable limits. | Early withdrawal penalties; renewal rates may differ. |
| Treasury | U.S. government obligations; price risk if sold before maturity. | Illustration assumes reinvestment at a constant yield, not a bond price. |
| S&P 500 / Market Index | Uninsured market risk, including principal losses. | Index cannot be purchased directly; fund fees and dividends excluded. |
| Cash / Savings | FDIC coverage only for eligible deposits within applicable limits. | Generally liquid; variable rates and inflation risk. |
Historical data: SlickCharts — S&P 500 price returns, 2015–2024.
Your retirement. In perspective.
Want to See What This Could Look Like for Your Retirement?
The Providence perspective
Some things deserve
a longer view.
Your financial life is more than a collection of accounts and policies. It reflects years of work, the people you care about, and the future you envision.
Our approach centers on clear conversations, considered options, and the importance of making decisions in the context of your whole life.
Get to know ProvidenceA clear path forward
Thoughtful by design.
Personal at every step.
01
We listen first.
We begin with your priorities, your family, and your vision for the years ahead.
02
We explore together.
We review your circumstances, explain the options, and discuss the trade-offs in plain language.
03
You move forward.
With a clearer perspective, you can decide on next steps that reflect your goals and needs.
Insights & perspectives
Clarity begins with understanding.
Building a retirement income strategy
Start with your needs, your resources, and the life you envision.
Read the perspectiveFixed vs. fixed indexed annuities
Understanding crediting methods, contract terms and important trade-offs.
Read the perspectiveProtection today. A legacy tomorrow.
A practical introduction to temporary and permanent life insurance.
Read the perspectiveFrequently asked questions
A little clarity goes a long way.
What should I expect from a private consultation?
A conversation about your goals, current protection and retirement priorities. You can ask questions and discuss which areas may warrant a closer review. A consultation does not obligate you to purchase a product.
How do I know whether an annuity is appropriate for me?
That depends on your income goals, access-to-cash needs, time horizon, risk preferences and existing resources. Each contract must be evaluated for surrender charges, crediting terms, costs, guarantees and other limitations. Annuities are not appropriate for everyone.
Can you review a policy or annuity I already own?
You may request an existing-policy review to discuss coverage, beneficiaries, premium commitments, surrender terms and how the contract fits your current goals. Do not upload sensitive documents through ordinary website forms.
Is indexed universal life a stock market investment?
No. IUL is permanent life insurance. Interest crediting may be linked to an external index under policy terms, but the policy does not directly invest your cash value in the stock market. Charges can reduce cash value even when a crediting floor applies.
A conversation about your future
The next chapter starts
with a thoughtful conversation.
Discuss what matters to you, explore your options, and take the next step with clarity.
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