How to Protect Your 401(k) from a Stock Market Crash

If you're within 10 to 15 years of retirement — or already retired — a major stock

market crash isn't just an inconvenience. It can be financially devastating in a way you

may never fully recover from. This isn't fear-mongering. It's math.

THE PROBLEM: SEQUENCE OF RETURNS RISK

Most people assume that if the market averages 7% per year over their lifetime, their

retirement will be fine. But that logic ignores sequence of returns risk — what happens

when you experience major losses early in retirement while also taking withdrawals.

Example: If you retire with $500,000 and the market drops 30% in your first two years

while you're also withdrawing money, you could permanently cut your retirement income

in half — even if the market fully recovers.

THE SOLUTION: INDEXED ANNUITIES

An indexed annuity is a type of insurance contract designed specifically to solve this

problem. Here's how it works:

• Your money is linked to a stock market index (like the S&P 500) for growth potential

• But it is NOT invested directly in the market — so when the market drops, your balance does not

• Each year you earn gains, those gains lock in permanently

• Your principal is protected by contract — you cannot lose what you put in

CAN I MOVE MY EXISTING 401(K) INTO AN INDEXED ANNUITY?

Yes — and it's one of the most common things we help clients do. A properly executed

rollover moves your funds from a 401(k), 403(b), or IRA directly into an indexed annuity

without triggering any taxes or early withdrawal penalties.

Harbor Point Financial offers free 30-minute retirement protection reviews for families

in New Mexico, Texas, North Carolina, Illinois, and Indiana. There is no cost, no

obligation, and no pressure. Book your free review today.