@Mike Milligan I learned that an FIA is a good replacement for bonds in a the 60/40 allocation strategy. I also learned that over the last 10 years bonds have been relatively flat and that an FIA strategy has provided a steady step up in growth that averaged almost 6% in the last 10 years were as bonds were closer to 2%. I also think the presenter was very clear and honest that equities still overtime are producing the best return on investment, but the use of FIAs is a great way to protect a portion of your portfolio with a 0% floor while still allowing for moderate growth.

@Mike Milligan thank you for taking time out of your schedule to even check in with me. I appreciate it.