A research-backed strategy that preserves, but still grows.

Add an insurance-based hedge to your existing retirement savings. Combine market-linked interest and a 0% downside floor with the growth assets you already own.

Trusted by thousands of retirement savers

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Portfolio Reallocation

Why even diversified portfolios are breaking down

You've likely followed the "safe" advice: mix equities with bond funds and hold for the long term. However, bond funds were never as safe as advertised. Now they move with stocks, not against them. That's double the risk. The 60/40 portfolio is broken.

Bond funds

Once a safe asset class, now moving in lockstep with stocks.

Overlap

ETFs can hold overlapping assets: often the same 5–7 mega-cap names.

Risk

Volatility and timing risk are higher than most realize

The PRSM™ Method

How we do it.

Research

Identify hidden risks and inefficiencies in your current plan

Asset

Replace underperforming bond funds with fixed indexed annuities (FIAs)

Allocate

Use market-linked crediting with a 0% floor

Revise

Preserve long-term growth without adding risk

While FIAs are not new, using them as an age-weighted hedge is a smart, safer strategy most pre-retirees miss. FIAs generally credit a portion of the total index gain, but does not lose value due to market downturns.

Do I qualify?

Our safe planning strategies are not for everyone. If you're far from retirement and focused only on growth, timing risk may not matter yet. But if you're nearing retirement, this strategy helps protect what you've built without giving up long-term returns.

You have $250K + saved and want to avoid unnecessary risk
You’re within 5–15 years of retirement
You don't carry excess debt and have a solid emergency fund

Case Study

Albert and Sarah Gained Years of Retirement Savings

Albert and Sarah came to us after a tough stretch managing their own investments.

They had done everything “right”—diversified across ETFs, held some bond funds, and kept a long-term mindset. But after a nearly 19% drawdown in 2022, they were left shaken.

With $1.2 million in savings and retirement getting closer, they realized their portfolio wasn't giving them the clarity or confidence they needed. Albert, an aerospace engineer, and Sarah, who works in hospital administration, were both used to structure and precision in their day jobs, and they wanted the same thing from their financial plan.

"Watching almost 20% of our savings disappear in 2022 was a wake-up call...Revise rebuilt our portfolio so drops like that can't derail us, but it still grows."

We helped them restructure using our PRSM™ Method, which replaces underperforming bond funds with a smarter hedge: fixed indexed annuities (FIAs) that participate in market gains but don't lose money during downturns. It's not about getting out of the market: it's about designing a portfolio that can bend without breaking.

For Albert and Sarah, the shift gave them both protection and upside.

Now, instead of hoping their diversification holds, they've got a structure that actually protects what they've earned.

Our clients share their success.

Verified policyholder
"Revise helped me evaluate an FIA strategy that could strengthen the conservative slice of my portfolio."
Graham G

Verified policyholder
"Their proactive, data-backed service put me in a place of financial comfort and confidence."
Albert R

Verified policyholder
"The strategy they provide is compelling. The team is professional and will help you on your journey."
Peter F

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FAQs

We know you have questions. Here are some of the most common ones we hear from clients.

Our PRSM (Protected Return Substitution Model) is a repeatable framework that replaces the traditional bond sleeve of a portfolio with a carefully sized fixed-indexed annuity (FIA) allocation.

Bond-Replacement Logic Instead of holding bond funds that can lose value in rising-rate or correlated sell-offs, PRSM swaps in an FIA to supply principal protection and market-linked upside.

Precision Sizing We calculate the annuity weight that preserves your original risk/return profile (usually 15-40 % of the portfolio), so equities can keep compounding while downside is floored.

Best-in-Class Selection At the time of implementation we screen the entire annuity market for the strongest credit, most efficient participation rates, and lowest fees—never a one-size-fits-all product.

Stress-Tested & Verified Every recommendation has been back-tested across multiple interest-rate and equity regimes to confirm that it delivers lower volatility and higher risk-adjusted returns than the classic 60/40 mix.

In short, PRSM is a tested, rules-based way to protect the “safe” side of your portfolio without sacrificing growth, using the best annuity instrument available when you invest.

A fixed indexed annuity (FIA) is an investment vehicle provided by an insurance company, that offers the opportunity for growth linked to a stock market index, such as the S&P 500 or Nasdaq. Unlike a direct investment in the stock market, these products do not lose money due to market downturns. Instead, they have a 0% floor, meaning your principal is protected from losses. The insurance company credits your account with interest based on the performance of the index.

Fixed indexed annuities (FIAs) offer full downside protection—your principal is guaranteed by the insurance company regardless of market dips—and they don't track daily market swings. Unlike bond funds, which can lose value when rates rise or credit events occur, FIAs lock in gains on your terms and are backed by the insurer's financial strength.

Revise charges no annual advisory fees. Our compensation comes directly from the insurer, built into the annuity's structure. Some annuity products offer enhanced participation via a rider fee. These fees are commonly 1% but can be as high as 1.5%. We always fully disclose any contract charges or rider costs before you commit, so there are no surprises.

FIAs are designed as long-term investments and typically have a 10-year surrender period. This is the length of time you should plan on keeping the majority of your capital commitment in the annuity product. Most FIA products include a penalty-free withdrawal provision, typically 10% per year.

No - and you shouldn't. One of the basic principals of PRSM is balance, optimizing for a risk-adjusted rate of return. As the FIA is designed as a hedge, most clients dedicate just a portion of their overall portfolio to them, blending with equities and other assets as desired. This hybrid approach lets you maintain liquidity and growth potential elsewhere while still enjoying institutional-level downside protection.

In most cases, yes. This is known as a flexible premium.

All FIAs have a free-look period, typically between 10 and 30 days. If you change your mind, you can cancel the contract and receive a full refund of your premium within that free-look period.

Don't wait for the next downturn to test your portfolio.

With a tailored PRSM™ analysis, you'll uncover hidden vulnerabilities and get a clear roadmap to strengthen your holdings before losses hit.