Wealth Management
Growing Your Future while Managing Risk
July 13, 2026
Emma recently celebrated her 50th birthday and found herself thinking differently about her financial future. Years ago, she was comfortable taking on investment risk because she had plenty of time before retirement. However, after experiencing times of market volatility, she realized that it wasn’t just about growing her savings anymore; she also wanted to protect what she had worked so hard to build.
Emma contacted her financial professional, Mary. They spoke about how her priorities have changed. Emma explained that she still wanted the opportunity for market growth, but she worried about what would happen if the market declined as she was getting closer to retirement. She wanted to feel confident that a market downturn wouldn’t take away her years of careful planning.
Mary mentioned to her that Principal has a Registered Index Linked Annuity with features designed to help manage market risk while still allowing for growth potential. Together, they reviewed options such as a performance lock feature, which could help protect gains during strong market periods, and a buffer feature, that offers protection against market losses. These solutions gave Emma confidence knowing she could continue investing while adding a layer of protection against market uncertainty.
After speaking with Mary and purchasing the annuity, Emma felt more confident about her financial future. She knows her plan is built to support her goals, allowing her to focus less on daily market swings and more on enjoying what's ahead.
The information contained herein is general in nature, has been obtained from various sources believed to be reliable and is subject to changes in the Internal Revenue Code, as well as other areas of law. This material is for informational purposes only and should not be construed as a solicitation of any particular insurance product or insurance carrier. Insurance is sold through Oppenheimer Life Agency, Ltd. (OLA), an indirect wholly owned subsidiary of Oppenheimer Holdings. Before purchasing a policy of insurance, please review both the insurance carrier and the insurance policy carefully before investing. A strategic alliance exists between OLA and various outside providers whereby products and services may be utilized. Such providers may receive compensation as a result of the strategic alliance. However, the firms are completely independent of each other. This material is not a recommendation as defined in Regulation Best Interest adopted by the Securities and Exchange Commission. Oppenheimer & Co. Inc. Transacts Business on all Principal US Exchanges and is a Member of SIPC. 9019297.1
