Retirement Income Security:
Guaranteed Lifetime Income & Peace of Mind
Retirement should be a time of confidence, security, and peace of mind. At Stability & Family, our Retirement Income Security strategies help you protect your money, create guaranteed income, and enjoy your retirement years without fear of outliving your resources.
Why Retirement Income Security Matters
Your retirement should be a time to celebrate life — and relax over money with stable income.
Yet many wonder:
⏩ “Will my savings last through 30+ years of retirement?”
⏩ “What happens if the market doesn’t stabilize and grow?”
⏩ “Can I enjoy my lifestyle and truly leave a legacy here?”
With the right strategy, you can retire with confidence:
✅ Guaranteed Lifetime Income
✅ Protection from Market Risk
✅ Legacy for Loved Ones
Imagine retiring with peace of mind, knowing your money is safe, your bills are covered, and your family is secure.
Your retirement should be a time to celebrate life — and relax over money.
Yet many wonder:
⏩ “Will my savings last through 30+ years of retirement?”
⏩ “What happens if the market doesn’t stabilize and grow?”
⏩ “Can I enjoy my lifestyle and truly leave a legacy here?”
With the right strategy, you can retire with confidence:
✅ Guaranteed Lifetime Income
✅ Protection from Market Risk
✅ Legacy for Loved Ones
Imagine retiring with peace of mind, knowing your money is safe, your bills are covered, and your family is secure.
Totally relaxing call for clarity, confidence, and answers tailored to your family.
Founder David Kiselak and SAF Advisors are trusted nationwide for decades of helping families achieve Retirement Income Security, and now with SILAC Fixed Indexed Annuities, the game has officially changed!!
📈 Guaranteed Growth
Shield your savings from losses while still enjoying growth tied to market upsides. Your nest egg compounds safely, free from Wall Street’s roller coaster.
💧 Guaranteed Liquidity
Maintain access and control of your money. Withdraw funds when you need them while keeping your principal protected and growing.
💵 Guaranteed Income
Turn your savings into a reliable retirement paycheck that lasts as long as you do. Live confidently knowing your income is secured for life.
Why Fixed Indexed Annuities Could Be Your Key to Lifetime Retirement Security
🛡️ Principal Protection
Your money is 100% guaranteed safe and protected from market volatility — You keep every penny regardless of how the markets perform.
📈 Growth Potential
Capture upside linked to major market indexes (like the S&P 500) with guaranteed principal protection.
💧 Liquidity Options
Access a portion of your money annually — penalty-free — for life’s needs and opportunities.
💵 Guaranteed Lifetime Income
Turn your savings into a retirement paycheck that lives as long or longer than You. Sleep easy knowing the bills are covered, permanently.
📊 Tax-Deferred Advantages
Grow your wealth faster by deferring taxes until withdrawal. Keep more money working for you each year.
❤️ Long-Term Care & Wellness Riders
Many SAF FIAs offer built-in or optional benefits for nursing home care, chronic illness, or home health — protecting both your finances and your dignity.
👨👩👧👦 Legacy & Estate Benefits
Any remaining value passes directly to your loved ones, bypassing probate. Leave a secure inheritance with ease.
Secure Your Legacy Beyond Retirement Income
At Stability & Family, we believe true peace of mind goes further than financial security — it extends to protecting your estate, your wishes, and your loved ones’ future. That’s why we proudly refer families to Susan Morris Law, a trusted leader in Probate, Wills, Trusts, and Estate Planning. With her guidance, you’ll know that your financial stability is matched by a legal foundation your family can count on for generations.
Real Families, Real Peace of Mind
Families come to SAF often uncertain if their savings would last.
We structure most plans using a Fixed Indexed Annuity, or multiple, with lifetime income.
Today, these families now enjoy guaranteed monthly income, travel, and time with grandkids — all with total and complete peace of mind.
“This feels amazing… we finally relax knowing our money is safe and our future is secure.” — Liz
From Worry to Peace:
Joe & Joy’s Story with David & SILAC
“David and SILAC have been great — they made everything simple, and now we feel confident about our future.”
— Joe & Joy, SAF Clients
Safe. Stable. Secure — Just Ask James & Kathy
“With David’s guidance for stable growth and SILAC’s support, we don’t just feel secure — we feel cared for, like family. That peace of mind means everything.”
— James & Kathy, SAF Clients
Bobby: Turning Multiple Annuities Into One Powerful Plan
“With Tracie’s and David’s help, I condensed several annuities into one strong SILAC plan. Now it’s already paying me every month, giving me the freedom to enjoy life today — while keeping my future stable and secure, exactly the way I want it to be.”
— Bobbie, SAF Client
Transformation Life Coach & Positive Energy Mentor
Transformation Life Coach & Positive Energy Mentor
At SAF, we believe retirement is more than numbers — it’s about faith, family, and the legacy you leave. It’s about your peak performace in life.
Explore more of David Kiselak’s vision at:
Occasionally Asked Questions
What if I don’t know where to start?
That’s exactly what we’re here for. Our first step is a simple, completely relaxing Retirement Strategy Session with a SAF Certified Advisor. This way You’ll walk away with clarity on where you stand and the next best move here — even if you decide not to move forward with us… Click Here
Are FIAs safe for my money?
Absolutely Yes, because Fixed Indexed Annuities are insurance contracts backed by highly rated carriers. Therefore even if the market doesn’t do really well, your account value will either go up only a little, or not the best case scenario, you earn 0% interest for that period… Hence “Zero is Your Hero” — and your account value will stay exactly the same, because with this your protecting your principal and growth always… Click Here
Is there still time for me to create a secure plan?
Yes as long as You are under the Age of 90, seriously Yes, even 70s–80s can reposition savings into safer strategies here.
Whether you’re in your 30s or 40s switching jobs, 50s preparing to retire, in your 60s rolling over a 401(k), or already retired and looking for more stability, FIAs can be customized to protect and grow your savings… Click Here
Will I still have access to my money?
Yes. Most FIAs allow you to withdraw up to 10% annually and some up to 50% Free of charges. Many also include provisions for emergencies, such as nursing care or illness, so you always have access when it matters most… Click Here
How do FIAs compare to the stock market?
Excellent. Think of FIAs as a shield. You get these to avoid the market volatility — while You get to enjoy riding the upswings with the potential for higher growth when the market rises again.
What that means to you is when you get this, you are fully eliminating the market risk, all while confidently gaining the benefits of the market growth potential and keeping the stable security… Click Here
Can an FIA really provide lifetime income?
100% correct again… Yes. With a lifetime income rider, your annuity can guarantee a retirement paycheck for as long as you live. That means even if you live to 100 or older, your income continues… Click Here
What about taxes?
Your money inside an FIA grows tax-deferred. That means your balance compounds faster, and you only pay taxes when you take withdrawals. Many retirees use this to stay in a lower tax bracket each year…. Click Here
What happens to my money when I pass away?
Any remaining value passes directly to your beneficiaries, totally avoiding probate. Some annuities even offer enhanced death benefits, ensuring your loved ones receive the legacy you intended… Click Here
Your Retirement. Secured. Forever.
Imagine the relief of knowing your income is guaranteed for life, your family is protected, and your legacy is more solid. Now, make that vision real.
You deserve a retirement that is truly calming and relaxing. Let’s build your Retirement Income Security plan today so you can focus on faith, family, and the fulfilling life you’ve earned.
Prefer to explore first? Click here to see how SAF protects families ›
When you click, you’ll feel the relief of knowing it’s already taken care of.
Your retirement. Your family. Your legacy — protected.
Keep Scrolling And Learn How To Unlock A More Secure Retirement Strategy with Guaranteed Lifetime Income
Picture this: Fully retiring with absolute confidence, confidently knowing your income is not only secure but actually flourishing, and your retirement future is now brighter than ever.
At Stability and Family, we specialize in retirement income planning to help individuals like You achieve more financial freedom here — so you can live the fulfilling, more relaxed life you’ve worked so much for.
With our trusted tax-efficient retirement strategies and personalized support, your retirement financial security has never been clearer.
Your Guaranteed
GROWTH
With guaranteed growth strategies, your retirement savings are protected against market volatility while steadily compounding over time here. Our proven methods ensure steady, consistent, tax-efficient growth, so your money works for you, providing both stability and flexibility.
Your Guaranteed
LIQUIDITY
With guaranteed liquidity strategies, your retirement savings are fully accessible if you need them, with up to 50% available for Free, all while remaining protected. Our proven methods ensure availability with advantages, so your money is working here, providing you control and security.
Your Guaranteed
INCOME
With guaranteed income strategies, your retirement savings are designed to deliver a reliable income stream, even in uncertain markets. Our proven methods ensure consistent, dependable and reliable payouts, so your money fully supports you, providing both security and lasting peace of mind here.
Imagine retiring
with complete confidence,
knowing your income is secure
and your future is protected.
Why Retirement Income Security Matters
Your retirement should be a time to celebrate life, free from financial concerns. Yet, many find themselves looking for more certainty about their savings, retirement income, and future wealth protection.
Here’s the exciting truth: With the right guidance, you can enjoy guaranteed lifetime income, protect your assets, and create the financially secure retirement lifestyle you’ve envisioned.
What we do
Indexed Annuities
At StabilityAndFamily, we continually empower individuals like You to take control of Your retirement — so You can live the life You’ve worked so powerfully to build. With our proven strategies and personalized guidance, Your dreams of financial freedom are closer than You realize.
Guaranteed Lifetime Income for Retirement Security
Feel the freedom of knowing your retirement income will last as long as you do. Our plans ensure a steady, reliable passive income stream to support your ideal lifestyle.
Tailored Retirement Plans Aligned with Your Goals
Your retirement investment strategy should be as unique as your dreams. We create personalized, no-risk retirement planning solutions designed to align perfectly with your vision.
Tax-Efficient Retirement Strategies for Wealth Protection
Keep more of your hard-earned wealth. We design tax-advantaged retirement accounts and strategies to help you reduce tax burdens while maximizing financial potential.
Legacy Preservation & Estate Planning
Make a lasting impact. Our estate planning and wealth transfer strategies protect your wealth and ensure you leave a meaningful financial legacy for your loved ones.
IS A PROCESS WITH YOU IN MIND
Real Stories, Real Transformations
Meet James & Kathy:
James approached us feeling uncertain about his retirement savings and financial security. After years leading to decades of dedication to his career and family, he wanted to ensure he and Kathy could enjoy their golden years without limitations and fully secure his current savings. He said, “David, I want it stable.”
Together, we crafted a secure retirement income plan that guaranteed his financial freedom while minimizing taxes. Today, James and Kathy are preparing to relaxingly live the dream: Traveling, spending time with their grandchildren, and relishing every moment — all with total financial peace of mind.
Now imagine what your story could look like.
IS CLEARLY WITH YOU IN MIND
Experiencing the ease and convenience of your monies with us, where exceptional quality and completely unmatched service awaiting only you, every step of the way, knowing you got this handled with SAF too!!
Guided Input
through the entire process ensuring You're successful here every step along the way to more security.
Truly Helping
keep all involved effectively communicating along the entire process for far better results with us here at SAF.
Happy Policyowners
when You work with us like others do and also see we delivered again, confidently You're happier here as well.
Get Another
because know You can always depend on us to successfully help you to be living more securely with Us!
“When you choose the right plan today, you’ll eliminate the guesswork and feel the relief of knowing your future is secure.”
HERE IS YOUR BEST OPTION FOR
Guaranteed Lifetime Income
= Fixed Indexed Annuities
And because of all the other reasons more people eagerly get this now, having more complete stability they enjoy the principle protection, the secure potential for greater growth, and if along the way, you need it, guaranteed life-time income options are available to You here with SAF StabilityAndFamily fixed indexed annuities simply for happier, healthier and more relaxed living…
- Guaranteed Principle Protection
- Insured for Safety and Principal Security
- Predictive Accumulation Gains and Returns
- Most Highly and Strictly Regulated Industry
- Here You stay Steady during Market adjustments
- Free Withdrawal Access to Your Money
- Tax Advantages fully on Your Side Here
- Immediate or Deferred Income that lasts Forever
- Home Health and Nursing Care Benefits
- Terminal Illness Benefits if You need it
- Death Benefits direct to Beneficiaries
- A+ Rated Carriers by AM Best
FAQ
ask us
anything
What if I don’t know where to start with retirement income planning?
That’s what we’re here for! Our experienced team will guide you step by step, helping you gain clarity about your retirement goals and identifying the perfect safe investment options for retirees.
How do I know this is the best retirement strategy for me?
Because we start with a free retirement consultation to understand your unique circumstances.
You’ll receive tailored financial planning advice that aligns with your vision for a secure and financially free future.
Do I have time to create a secure retirement plan?
Yes, hopefully You do have time to build on a stable, tax-free retirement income strategy.
Whether you’re preparing for retirement or already retired, we have financially sound solutions that work for you.
Why Choose StabilityAndFamily
YEARS of EXPERIENCE
With over 45+ years of expertise, we specialize in retirement planning and guaranteed income strategies, helping families turn their retirement dreams into reality.
CONFIDENT HANDSHAKES
Trusted by thousands of clients, we are committed to safeguarding and growing your retirement wealth with secure investment options for retirees.
CERTIFIED PROFESSIONALS
Our certified professionals are dedicated to understanding YOUR unique vision, tailoring every step of the journey to match your financial security goals.
Personalized APPROACH
We take a personalized, tax-efficient, and risk-free approach, ensuring your retirement plan secures your future while allowing you to live the extraordinary life you deserve.
Your best years are just ahead. Let us help you create the financially secure, abundant, and fulfilling retirement you deserve. Contact us today to take the first step toward a brighter financial future.
Take the First Step Toward Your Dream Retirement
TAKE IT TO THE
NEXT LEVEL.
Every journey begins with a single step, and your journey to financial freedom starts here. Our personalized retirement solutions are designed to give you the confidence and peace of mind you deserve.
Schedule Your Free Retirement Strategy Session Now!
(Click below to get started and say…)
“As you explore our customized solutions, you’ll notice how quickly you feel more relaxed because Your Dream can happen.”
WHAT ARE YOUR BEST OPTIONS FOR SUCCESS HERE
MAX GROWTH &
Guaranteed Income for Life
Simply elevate your retirement game with our Denali as we added the Income Rider, so here You have the Highest Growth & Guaranteed Income for Life. (aka… Guaranteed Lifetime Income) .
- Highest Growth Options ... including the Highest Fixed Guaranteed Rate
- Highest Fixed Rate available
- S&P 500 Annual P2P Cap available
- S&P 500 Annual P2P PR available
- Multiple Ways to Get Your Money
- Annually you can take up to 10% of Account Value with Evolve completely Free.
- Securely you can take your RMDs (Required Minimum Distributions) FREE
- Confidently you can take Lifetime Income Option to secure Your money last as long as You do.
- Free Account Income Stability Rider
- This means when You put $100,000 in and the Market isn’t Up, then You keep the full $100,000 here. Zero Fees. Zero Charges. Zero Risk making this clearly Super cool!!
Maximize Both Secure
GROWTH & INCOME
Guaranteed for Life
Simply elevate your retirement game with our Denali as we added the Income Rider, so here You have the Highest Growth & Guaranteed Income for Life. (aka… Guaranteed Lifetime Income) .
- Highest Growth Options ... including the Highest Fixed Guaranteed Rate
- Highest Fixed Rate available
- S&P 500 Annual P2P Cap available
- S&P 500 Annual P2P PR available
- Multiple Ways to Get Your Money
- Annually you can take up to 5% of Account Value completely Free.
- Securely you can take your RMDs (Required Minimum Distributions)
- Confidently you can take Lifetime Income Option to secure Your money last as long as You do.
- Free Account Income Stability Rider
- This means when You put $100,000 in and the Market isn’t Up, then You keep the full $100,000 here. Zero Fees. Zero Charges. Zero Risk making this clearly Super cool!!
MAX LIQUIDITY and Growth
Premium Bonus… Annual Free Withdrawal… Cumulative Withdrawal… Home Health Care… Nursing Care… Terminal Illness… And Wealth Transfer Benefits are all automatically included with this product line for Free.
- Consistent Growth ... Only Growth
- Death Benefit to Beneficiaries
- Instantly Receive Up to 15% CASH Bonus currently Available Immediately Upon Deposit
- GUARANTEED Fixed 18.45% Year One with a Guaranteed 3% Fixed Rate annually beginning year two
- GUARANTEED Indexed 15-24.2% Year One with the Annual Option of a fixed rate or a Cap to 8%
- Highest Liquidity
- Annuity owner can take up to 50% of Account Value completely Free.
MAX INCOME Guaranteed for Lifetime
Vega is one of the brightest stars and is a reliable point in an ever-changing night sky.
Focused on the Accumulation of Retirement Benefits, with multiple Income Options, Growth, and an enhanced legacy benefit to Navigate Retirement.
This supercharged benefit simply provides A GALAXY OF SECURE RETIREMENT OPPORTUNITIES HERE.
- MAX Lifetime Income Only
- Death Benefit to Beneficiaries
- Have to have 8-10 Years Before Income is Needed
- 7 year Product ... You can receive income beginning Year 8
- 10+ year Products ... You can receive income beginning Year 11
*Please note that not all products are available in all States. Check with us here at SAF and know we can truly help you here.
Turn $10,000 into Guaranteed Fixed Income for Life secured here
Having This Serious Stability Here
An indexed annuity, also known as a fixed-index or equity-indexed annuity, features income payments tied to a stock index, such as the S&P 500. Indexed annuities perform well when the financial markets perform well. People often refer to indexed annuities as hybrids of fixed and variable annuities. (Read More)
How Does This Indexed Annuity Work
Like most annuities, index annuities can provide you with a steady stream of income in retirement. Before you start receiving any income, though, you must first agree to and fund a contract. Your contract will spell out how You will fund your annuity — all at once with a lump sum or with steady payments over time — and when you can begin to make withdrawals. (Read More)
More Benefits Of FIAs...
Fixed Indexed Annuities
See how the benefits of a fixed index annuity work together to keep retirement income planning on track. We look at Six TOP Fixed Index Annuity Benefits: principal protection, tax deferral, growth opportunities, liquidity, guaranteed income and… (Read More)
IMPORTANT ANNUITY ELDER LAW CHANGES
Meaning Urgent Attention Is Needed Here Because This Is Extremely Important:
Since May 29th, 2020… Newly enacted legislation now Allows Employers to finally include More Annuities Options within 401(k) plans — this bill makes more positive and major changes designed to provide more incentives to save in a far more secure vehicle with protections and guarantees for the Senior Market!!!
- Now You have Two Very Special Annuity Options for You here with SAF:
- Immediate Annuities ... Annuities instantly annuitized to provide you with a guaranteed, reliable, income stream You will live on for life.
- Deferred Annuities ... Annuities that grow and earn a guaranteed fixed rate or indexed rate of interest over time and can grow tax deferred until you decide to begin receiving payments.
If qualified, Seniors may potentially reduce or even eliminate tax on Social Security, avoid paying taxes on interest that hasn’t been spent and eliminate probate fees and Federal estate taxes all while obtaining a better more secure rate of return compared to what’s offered at Bank CD’s and savings accounts — And that’s exactly why so many people get this!!
All while being inside our products You remain being fully secured and stablized.
So now, as your wondering, know these changes and provisions are not widely publicized, but now knowing, don’t You owe it to yourself and your loved ones to take initiate and obtain the information yourself.
Of All the American Workers Surveyed ... WE FOUND THEY LOVE THAT THESE ANNUITIES ARE SOLUTIONS FOR
Your Retirement. Secured. Forever.
Imagine the relief of knowing your income is guaranteed for life, your family is protected, and your legacy is more solid. Now, make that vision real.
You deserve a retirement that is truly calming and relaxing. Let’s build your Retirement Income Security plan today so you can focus on faith, family, and the fulfilling life you’ve earned.
Prefer to explore first? Click here to see how SAF protects families ›
When you click, you’ll feel the relief of knowing it’s already taken care of.
Your retirement. Your family. Your legacy — protected.
