The 5-10 years before retirement represent your most critical financial planning window. Your strategy needs to shift from aggressive growth to protecting what you’ve built while still pursuing reasonable growth.

Reduced Recovery Time
Market downturns leave less time to recover losses before you need to start withdrawals

Sequence of Returns Risk
Poor market performance just before or after retirement can dramatically impact your lifetime income

Changing Priorities
Your focus naturally shifts from accumulation to preservation and income planning

New Risk Balance
You need protection against major losses while still growing your nest egg

Protecting Accumulated Wealth
After decades of saving, preserving what you’ve built becomes increasingly important. You need solutions that guard against major losses while still providing growth potential.

Creating Income Certainty
Understanding how your assets will translate into reliable retirement income becomes a central concern as your retirement date approaches.

Simplifying Financial Management
Consolidating accounts and simplifying your financial life reduces stress and creates clarity around your retirement resources.

Tax-Efficient Positioning
Strategic positioning of assets for tax-efficient income becomes crucial as retirement withdrawals approach.

The Retirement Bucket Strategy

Short-term bucket (1-3 years): Highly liquid, protected assets for immediate needs
Medium-term bucket (4-10 years): Moderate-risk assets with protection features
Long-term bucket (10+ years): Growth-oriented investments for later retirement

Asset Consolidation : Roll over old 401(k)s and IRAs into solutions that offer both protection and growth potential, creating greater clarity and control over your retirement resources.

Protection with Upside : Products that offer downside protection while maintaining growth potential represent the ideal balance for pre-retirees who need to protect assets while still building wealth.

Michael and Linda, both 58, were planning to retire at 65 when market volatility reduced their portfolio by 22%. They allocated a portion of their assets to an Oceanview Fixed Index Annuity, which provided:

• Principal protection against further market losses
• Continued growth potential through index-linked interest
• Tax-deferred accumulation during their final working years
• Future income options to supplement their pension and Social Security

This strategy helped them rebuild confidence in their retirement timeline while protecting their accumulated wealth. *This is a hypothetical scenario*

•  Financial Strength You Can Trust: Our A.M. Best “A” (Excellent) rating provides confidence in our ability to keep long-term promises
•  Accumulation-Focused Design: Our FIAs are specifically designed for clients still building wealth, not those needing immediate income
•  Competitive Rates: Efficient operations enable us to offer attractive rates that maximize your retirement assets
•  Flexible Features: Free withdrawals, nursing home waivers, and beneficiary liquidity provide the flexibility you need

1. Assess your current portfolio’s vulnerability to market volatility
2. Evaluate your risk capacity based on your retirement timeline
3. Consider how much of your portfolio needs principal protection
4. Explore how Oceanview’s solutions can create stability in your final working years

The choices you make in the next 5-10 years will determine your retirement security. Let’s discuss how Oceanview’s annuity solutions can help you balance protection with growth during this critical phase.

Disclosures:

The Harbourview FIA (Policy Form ICC19 OLA FIA), and any variations is a single premium deferred annuity, and may not be available in all states. Annuities issued by Oceanview Life and Annuity Company, 1331 17th St., Suite 1050, Denver, CO 80202. www.oceanviewlife.com. A.M. Best Rating as of November 1, 2023, is subject to change. A (Excellent) rating is third highest of fifteen possible rating classes for financial strength. This material is a general description intended for general public, educational use. Refer to the product disclosure and related documents for more information or speak to your financial professional.  Oceanview Life and Annuity Company is not providing investment advice for any individual or in any individual situation, and therefore nothing in this correspondence should be read as such. Neither Oceanview nor its representatives provide tax or legal advice.  While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist. In California, doing business as Oceanview Life and Annuity Insurance Company.

HARBOURVIEW ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY THE FDIC OR NCUA/NCUSIF OR ANY OTHER FEDERAL GOVERNMENTAL AGENCY. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. GUARANTEES ARE SUBJECT TO THE CLAIM PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.