

Why a market drop in your first few years of retirement can do damage that later gains never fix, with real numbers from 2000 to 2025

How Sideways and Up™ works: caps, floors, and why a down year is credited zero, not a loss

The honest catch, plus 5 questions to ask before you move any retirement money
This guide is for educational purposes only and is not a recommendation to purchase any product. Fixed indexed annuities and indexed universal life insurance are insurance contracts and do not participate directly in any stock or equity investment. Guarantees are backed by the claims-paying ability of the issuing insurance company. Hypothetical examples are for illustration only; past performance does not guarantee future results. Sideways and Up™ is a trademark of Rich Thompson Jr.
Advanced Legacy Concepts is a licensed business entity regulated by the Georgia Insurance Commissioner, License # 171989. Investment advisory services offered through Virtual Capital Management, LLC (VCM), an SEC-Registered Investment Adviser. VCM and Advanced Legacy Concepts, LLC are independent of each other. Fiduciary duty extends solely to investment advisory services and does not extend to other activities such as insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation.

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