Introduction

You shouldn’t have to risk losing money to earn strong long-term returns.

Our strategy is built for people who want growth without the gut-punch of market downturns. Instead of exposing your retirement savings to full market risk, we use a disciplined, rules-based approach designed to capture market upside while eliminating downside risk.

If you invest $100 and the market drops 50%, you’re left with $50.
Even a 50% gain the next year only brings you back to $75, not $100.

Losses hurt more than most people realize — because every dollar lost requires two dollars of gains just to break even.

Our strategy removes that problem entirely.

• Your account has a 0% floor — market downturns cannot reduce your balance
• When markets rise, you participate in gains
• When markets fall, your account stays flat instead of losing value
   

Over time, this math compounds powerfully. Historically, this approach has produced returns well above CDs and bonds, often 2–3× traditional fixed rates, while avoiding market losses altogether.

• 0% Floor – No market losses
• No Management Fees – More of your money stays invested
• Tax-Deferred Growth – Capital compounds more efficiently
• Volatility Protection – No “lost decades” from major drawdowns

In addition to our no risk growth structured investment strategies, we offer a Guaranteed Income Benefit—a powerful feature designed to ensure you never outlive your retirement income. With our Guaranteed Income Benefit, you can convert your retirement savings into a reliable stream of income that lasts for life, providing the confidence that comes with knowing you'll receive consistent payments regardless of market performance.

Key Features of the Guaranteed Income Benefit:

• Guaranteed Lifetime Income: Secure a steady income stream for life, unaffected by market fluctuations or how long you live.
• Customizable Payout Options: Choose an income plan that aligns with your retirement goals, allowing you to adjust payments as needed.
• Market Volatility Protection: Benefit from our 0% floor, ensuring your income remains stable even during market downturns.
• Legacy Planning: Retain the ability to pass any remaining account balance to your beneficiaries, protecting your family's financial future.

With the Guaranteed Income Benefit, E.S. Financial Strategies delivers both growth potential and financial security, allowing you to enjoy a worry-free retirement with assured income for life.

We execute our strategy on the 7 different indexes, and credit investors the performance of those indexes times the participation rate. If the index performs negatively we credit investors 0%.

Ex. 

The AIGO indexes participation rate is 110% so we credit investors 1.1 times AIGO's return. 

The AIGO index increases 10% over 1yr. We would credit 11% to our investors. 

If the AIGO index decreased 10% over 1yr we would credit investors 0%.

AIGO uses insight gained from millions of current and historical data points to forecast the risk-adjusted future returns of 20 investible assets. The top assets are selected and assigned fixed weights in the portfolio with the greatest weights going to assets with the highest risk-adjusted forecasted returns, ensuring the portfolio reflects the latest insights and highest conviction ratings of IBM Watson®. 

Any existing 401k, IRA, or Annuity is eligible for penalty free and tax free rollovers.