FREE MONEY AUDIT • 50 STATES

Your money is sitting somewhere it shouldn't be.
And you can feel it.

Old 401(k)s. Idle Savings. Market-Exposed Money. Get The Audit. Get The 0% Floor. Stop The Bleed.

There are IRS-approved vehicles where, by federal regulation, you cannot lose a dollar when the market crashes. Most people have never had them explained — because the advisor's commission is bigger when you stay in the market. One call. We show you exactly where your money is rotting and how to plug the hole.

FEDERAL REGULATION • NOT MARKETING SPEAK

This is a Fixed Indexed Annuity. The 0% floor is written into the contract.

When the index drops 30%, your account earns 0% — never negative. When the index goes up, you participate in the gain (up to a cap). It's regulated by state DOI and backed by the carrier's reserves. You legally cannot lose principal to market losses.

0% FLOOR — BY LAW — NOT A PROMISE

BOOK YOUR FREE 15-MIN MONEY AUDIT

FULL NAME MOBILE

EMAIL STATE

DATE OF BIRTH WHERE IS YOUR MONEY SITTING? (check the biggest bucket)

WHAT MATTERS MOST TO YOU? APPROXIMATE VALUE OF MONEY YOU'D LIKE AUDITED

By submitting, I consent to be contacted by New Era Financial via phone, text, or email — including automated calls or messages — at the number provided. Consent is not a condition of purchase. Msg/data rates may apply. Reply STOP to opt out.

15 minutes. Free. We audit your situation. You decide.

The Quiet Bleed.
Account by account. Year after year.

You did the smart thing. You saved. You contributed. You hustled. And the money is still sitting where you parked it 5, 10, 15 years ago — because nobody told you what to actually DO with it.

Old 401(k) at the job you left

Still riding the market. Whoever's managing it has never met you.

FULL MARKET RISK

no protection floor

Savings / CD / money market

"At least it's safe." Yeah — losing to inflation every year.

-3% TO -8% / YR

real return after inflation

Traditional IRA / 401(k)

Every dollar gets taxed when you pull it out. IRS gets a vote.

TAX-DEFERRED, NOT TAX-FREE

unknown future rates

Brokerage / index funds

Up 24% in 2023. Down 25% in 2022. Up again. Down again.

CAPITAL GAINS HIT

+ market drawdowns

Pension lump-sum offer

Take it or leave it. Wrong move = a quarter of your retirement, gone.

ONE-SHOT DECISION

no do-overs

If you've never had a SPECIFIC strategy run on each bucket — you're guessing with your retirement.

THE ACTUAL HISTORY

The Last 3 Market Crashes vs. The 0% Floor

Same money. Same person. Two vehicles. One protected, one didn't.

YEAR MARKET (S&P 500) 0% FLOOR VEHICLE

2008 -38% 0%

2020 -34% (intra-year) 0%

2022 -25% 0%

NEXT? ??? 0%

Historical market returns: S&P 500 calendar year. 0% floor refers to Fixed Indexed Annuity principal protection from market losses — gains capped by carrier-specific participation rates. Actual returns vary by contract and credit method.

SHOW ME THE AUDIT →

If you had $250,000 sitting in the market through 2022:

MARKET-EXPOSED

Started: $250,000

2022 drawdown: -25%

$187,500

Lost ~$62,500 in 12 months. Now you need 33% gain to break even.

0% FLOOR VEHICLE

Started: $250,000

2022 drawdown: 0%

$250,000

Didn't lose a penny to the crash. By contract. Same money. Different vehicle.

Hypothetical illustration. Actual gains capped by carrier participation rate; actual losses limited by 0% floor for indexed strategies. Fixed Indexed Annuities are contracts — review the actual contract & disclosure before purchase.

WHAT THE AUDIT COVERS

Three Vehicles. One Honest Recommendation.

We don't push one product. We audit your situation and tell you which vehicle (or combination) actually fits.

VEHICLE 01 / FIXED INDEXED ANNUITY

0% floor by law. Caps on the upside.

The vehicle you use when you have lump-sum money you cannot afford to lose to a market crash — and you want guaranteed income later in retirement that you can't outlive.

VEHICLE 02 / IUL (LIFE INSURANCE)

Tax-free growth + living benefits + death benefit.

Funded over time, not lump-sum. Tax-free cash value for retirement income via policy loans, PLUS the carrier pays you a tax-free check if you get diagnosed with cancer/heart attack/stroke. The Swiss Army knife.

VEHICLE 03 / ROLLOVER STRATEGY

Get the old 401(k) out of the captive plan.

Moving an old 401(k) into an IRA opens up vehicles your old employer plan can't touch — Roth conversion ladders, indexed annuities, IUL funding. The audit shows the most tax-efficient path.

SHOW ME MY AUDIT →

YOUR FREE MONEY AUDIT — STACK

Here's exactly what you get on the call:

All free. No obligation. 15 minutes. We do the math.

✓Bucket-by-bucket Money Audit — every account you have, where it's bleeding, what to do
$300 value
✓Custom indexed annuity quote with the actual 0% floor + current cap
$200 value
✓Annuity vs Market 30-year projection built on YOUR numbers
$250 value
✓"The Money Protection Playbook" — PDF you keep, even if we don't move forward
$97 value
✓Crystal-Clarity Guarantee — if you don't have a clear answer by end of call, I'll send you a $25 thank-you gift on me
$25 GIFT

TOTAL VALUE

$872FREE

⚠ Limited: Only 12 audit slots this week. First come, first served.

CLAIM MY FREE AUDIT →

Takes 30 seconds. No pressure. No obligation.

"But what about…"

I heard annuities are a bad deal.

Some are. Variable annuities with high fees and surrender charges deserved their reputation. Fixed Indexed Annuities are a different product — no market downside, transparent contract, regulated by state DOI, backed by carrier reserves. Different product, different rules. We'll walk through your specific contract line by line.

My financial advisor said I should stay in the market.

Of course they did. Their AUM fee goes away the second your money leaves their account. That doesn't make them wrong — but it does mean you should hear a second opinion from someone not paid to keep you there. The audit is free. Hear both sides.

My money will be locked up forever.

Most contracts allow ~10% withdrawal per year penalty-free, with full access after the surrender period (usually 5-10 years). Death benefit pays your beneficiary directly. Required Minimum Distributions still work. This is "long-term protected money" — not "frozen forever."

The market always comes back. I'll just ride it out.

It does — eventually. The S&P took 6 YEARS to recover from the 2000 dot-com crash and the 2008 crash separately. If you're 5-10 years from retirement, you don't have 6 years to wait. Sequence-of-returns risk is real and it destroys retirements.

Sounds too good to be true.

It's a regulated insurance contract — backed by carrier reserves and state guaranty associations. "Too good to be true" is the savings account that yields 0.4% while inflation eats 4%. Or the 401(k) that just lost 25%. Read the contract. Make the call.

I want to think about it.

The audit IS the thinking. There's nothing to commit to. You leave with a custom illustration and a clear answer. If protection isn't right for your situation, I'll tell you so. I'd rather have a referral than a sale.

YEP — BOOK MY AUDIT →