As more Americans continue to file for unemployment, experts are wondering when our economy will get back on track. In effort to boost the economy, the Fed has said they will keep interest rates at or close to zero for the foreseeable future. However, the Fed believes that a full economic recovery won’t happen until Q4 of 2022. We’ve rounded up some information on our current unemployment situation and we have some tips on why a Fixed Indexed Annuity might be the answer to some of your fears.

The Real Unemployment Situation

As of June 12, 2020, there were 206.37 million Americans classified as “working age,” meaning between the age of 15 and 64. This number includes those employed by others and those who are self-employed. Another thing to note is that there are 31.7 million small businesses in the United States and they employ 47.1 percent of our workforce. That is incredible!

In an article written by Michael A. Gayed, a CFA, for Seeking Alpha, he says that there are about 174.67 million workers who are employed by businesses across the U.S. He got this number by subtracting the number of small businesses (31.7 million) from the working-age population (206.37 million), which assumes that one self-employed person owns one small business.

As of June 13, 2020, about 31.49 million workers had filed for unemployment benefits under various categories. This means that there are only about 174.67 million people currently employed, which you can see from the Bureau of Labor Statistics. As of June 27, 2020, the real unemployment rate in the U.S. is 18 percent.

As companies are reopening, many expect our unemployment rate to decline, but states are pausing their reopening plans due to a spike in cases. What does this mean for our economy? We could see another spike in unemployment filings if businesses shut down again. Even though the Fed projects an economic recovery by 2022, they don’t expect unemployment to reach its pre-pandemic levels by then.

Fixed Indexed Annuities – A Great Option to Protect Your Money!

The market could continue to volatile throughout this time, which could cause you to lose money if you are invested in the market. We believe that now may be the time to move some of your money out of the market and into an annuity – specifically a Fixed Indexed Annuity. Why do we love Fixed Indexed Annuities? Here are several reasons we think that your money would be safer in a Fixed Indexed Annuity than invested directly into the market:

Guaranteed Income Stream

Americans living longer and spending more time in retirement, which means that many retirees are concerned about outliving their savings. Retirees want a product that can help ensure a steady income stream. FIAs are designed with guaranteed lifetime income so you can never outlive your earnings. When you retire, you get one check to last the rest of your life and we want it to last!

Diversification of Your Portfolio

A balanced portfolio is essential for managing risk and reward in the financial markets. Designed for the long term, FIAs are a great retirement vehicle to ensure you are not putting all your eggs in one basket. FIAs offer the ability to make some money without the risk of losing it. In today’s volatile market, this makes Fixed Indexed Annuities very attractive to retirees who don’t want to risk their savings in the market.

Secure Principal

You will not lose value on your fixed indexed annuity, even if you experience a market downturn. The money you invest is not exposed to the market, so even in a negative market return, you will not fall below zero. You can never lose your interest once it’s credited to your principal. Zero is your hero!

Tax-Deferred Growth

FIAs offer long-term tax-deferred savings. As long as your money stays in the annuity, you will not be taxed on interest earnings. Once you receive a payout, the annuity will be taxed just like ordinary income.

Predictable Earnings

With a Fixed Indexed Annuity, you decide how you want to receive your payments and each distribution will be consistent throughout your retirement. Choosing an FIA is an efficient way to plan for your future, as your interest earnings rate always remains somewhere between the interest rate floor and the cap. No matter what happens to the market, you can still count on payments through your golden years.

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We want you to be prepared for whatever our economic future might be. This means protecting your retirement nest-egg from market volatility sooner rather than later. Fixed Indexed Annuities are a fantastic way to move some of your money out of the Wall Street casino and into a save investment vehicle. If you are interested in investing in a Fixed Indexed Annuity, give us a call at (770) 685-1777 or visit to schedule a FREE consultation. We want to help you protect and grow your hard-earned wealth!

Disclaimer: Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer.


Active Wealth Management is a private wealth management firm located in Atlanta, GA. Our team is passionate about educating clients in order to empower them to invest and retire successfully and we believe in managing our client’s assets actively. Active Wealth Management works with three primary groups of people; pre-retirees, retirees, and business owners.

Active Wealth Management is led by our Founder and President, Ford Stokes, and by our Senior Vice President, Brandy Seats. They aim to help clients understand their current financial situation, analyze their current portfolio, and develop a customized financial plan to accomplish their goals. If you would like more information about the firm, please visit our website,, or call our office at (770) 685-1777. You will not be passed off to another advisor. You will meet with either Ford or Brandy. You can schedule directly into their calendars at