Watch the 90-Second Strategy That Protects and Grows Your Savings.

See how even a one-cent S&P gain could lock in 8%, without risking your principal.

Request Your Personalized Annuity Illustration

Why We Call It the “Three Penny Strategy”

The Three Penny Strategy is simple, transparent, and built around protection and growth. Here’s why we call it that:

It Doesn’t Cost a Penny:

There are no annual fees eating away at your retirement savings. Every dollar you put in goes to work for you.

You Can’t Lose a Penny:

Your principal and prior gains are protected from market downturns. Even if the market drops, your balance never goes backward.

If the S&P Rises a Penny:

On your contract anniversary, if the S&P 500 finishes even a penny higher, you lock in an 8% gain, and that gain can’t be lost.

This combination of protection and growth potential makes the Three Penny Strategy a compelling option for retirees who want peace of mind without giving up the opportunity for meaningful returns.

Request Your Personalized Annuity Illustration

Why Request Your Personalized Illustration

Every retirement plan is unique. That’s why we prepare a personalized illustration that uses your information to show how the Three Penny Strategy could have performed in different market conditions, based on the S&P’s historical performance.

Your Personalized Illustration Will:

  • Provide hypothetical return scenarios tailored to your savings and retirement goals
  • Show how the strategy’s protections work in both up and down markets
  • Demonstrate how no fees, no losses, annual resets, and the 8% growth trigger could apply to your situation

Requesting your illustration gives you clarity — not guesswork — and a concrete next step toward evaluating whether this strategy fits into your retirement plan.

Also Request Our 3 Penny Overview to Learn More About This Strategy

Complete the Form Below to Request Your Personalized Annuity Illustration or Request our Detailed 3 Penny Annuity Strategy White-Paper

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To create a complete and accurate custom illustration, we will need to ask a few brief follow-up questions. Phone verification ensures we have the correct contact information so we can deliver your personalized plan without delays or miscommunication.

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Why Investors Choose Briggs Financial Group

Disciplined Fiduciary Strategy

As a fiduciary practice, every recommendation we make must put your interests first. Our structured, data-driven investment process removes emotion and guesswork, ensuring decisions are based on real analysis to keep your plan on track.

Fiduciary Risk Management

Our algorithmic Risk-On/Risk-Off strategy is guided by our fiduciary responsibility to protect your wealth. We adjust to market conditions in real time, helping reduce risk and respond to volatility faster, always with your best interest at the core.

Ronald J. Briggs Jr., FIC, CRPC®

With over four decades of experience, Ronald J. Briggs Jr. is one of the most seasoned financial advisors in the country—having started his career at just 18 years old.

Compliance Statement:

As a Fiduciary, doing due diligence of all content and data contained herein has been developed or obtained from various sources that are believed to be providing accurate information. None of the content herein is intended as tax, financial, and/or legal advice. Please consult with a legal, financial, and/or tax professional for specific information regarding your individual situation. The content and materials herein are intended to create client awareness for educational purposes and to promote interest in the utilization of risk on, risk off and tax mitigation investment strategies in the planning process. The competitive analysis of various fixed insurance products that may be shown herein do not address any individual’s specific situation and are not to serve as the basis for any investment and/or tax advice and should not be construed as a solicitation to invest. Content herein is based on the latest information available to the public from the Insurance Carriers and while deemed to be accurate, is not guaranteed by the Briggs Financial Group Wealth Advisors, “BFG Wealth Advisors” or affiliates thereof. Numerical information, charts, graphs, formulas, calculations, and data sets, etc. are for example and illustrative purposes only. Please review each Insurance companies’ compliant illustration with your Advisor before investing. BFG Wealth Advisors also provides support, information and competitive analysis on Fixed Insurance Products of over 70 insurance carriers. BFG Insurance Designers is a separate division of the Briggs Financial Group Wealth Advisors.

For more information, please contact your Briggs Financial Group Wealth Advisor directly for a comprehensive overview and analysis of your specific situation using risk on or risk off asset classes in your retirement portfolio.

Asset Management and Investment Advisory Services provided by Investment Advisor Representatives doing business as the Briggs Financial Group are offered through Caitlin John, LLC., a Registered Investment Advisor Firm. The Briggs Financial Group Wealth Advisors, LLC. and Caitlin John, LLC. are separate entities and are not affiliated.

To access the following compliance forms, please visit www.caitlinjohn.com.

Caitlin John Form ADV 2A Brochure | Caitlin John Wrap Fee Brochure | Customer Relationship Summary | Privacy Disclosure Statement | ASWTI Form ADV 2A Brochure

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