Race To Retirement.

Your Retirement Strategy.
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Access retirement education, planning resources, strategy tools, and financial insights from any device — desktop, tablet, or phone.

Race works with SureFit Financial to give you access to multiple insurance carriers. That means the conversation is always about what makes sense for you — not about pushing one company's products.

All figures are educational starting points. Product minimums, features, and availability vary by carrier, state, and underwriting. Not a guarantee of any specific result.

Race will walk you through exactly how a Fixed Indexed Annuity works — no jargon, no sales pressure. Just a clear explanation of the mechanics and whether it may fit your situation.

Guides, tools, and educational content to help you plan with clarity and confidence.

Learn how to create reliable, sustainable income streams throughout retirement.

Understand how FIAs work — protection, growth potential, and income planning.

Explore life insurance strategies that pay benefits while you are still living.

Request a personalized retirement strategy review directly through the app.

A growing library of retirement and financial education resources at your fingertips.

Desktop, tablet, or phone — your retirement education is always available.

If you would like to learn more about fixed indexed annuities, retirement income planning, retirement protection strategies, or life insurance with living benefits, schedule a complimentary Retirement Review. Together we can explore what options may fit your goals and help you make more informed decisions about your financial future.

Serving the Tampa Bay area and surrounding communities across Florida with retirement income planning and safe money strategy education.

Helping families in the Atlanta metro better understand fixed indexed annuities, life insurance with living benefits, and retirement protection options.

Working with individuals and families in the Charlotte area who are exploring retirement income strategies and building long term financial confidence.

Educating Dallas-area clients on retirement income planning, safe money strategies, and protection-focused solutions designed around their goals.

Helping Houston families understand their retirement options, including fixed indexed annuities and life insurance with living benefits.

An IUL is a permanent life insurance policy that builds cash value linked to a market index — like the S&P 500 — without directly investing in the market. When the index performs positively, your account may earn interest credits. Many IUL products include a 0% floor, meaning interest credits will not be negative due to index losses, subject to contract terms. Over time, the accumulated cash value may be accessible through policy loans and withdrawals, which may be received income-tax-free if the policy is properly structured and maintained. Policy loans and withdrawals may reduce cash value and death benefit, and may have tax consequences if the policy lapses. Indexed products are not direct investments in the stock market. Results vary by carrier, design, caps, and individual situation. For educational purposes only — not tax or financial advice.

A Fixed Indexed Annuity is a contract between you and an insurance company. Your account earns interest tied to the performance of a market index. Many FIAs include a 0% floor, meaning interest credits will not be negative due to index losses, subject to contract terms. With an optional income rider, certain FIA contracts may provide guaranteed lifetime income payments backed by the claims-paying ability of the issuing insurance company. FIAs are not direct investments in the stock market, and index-linked interest is subject to caps and participation rates set by the carrier. Products, features, and eligibility vary by carrier and state.

Certain insurance products — including IULs and Fixed Indexed Annuities — may include a 0% floor, meaning interest credits will not be negative due to index losses, subject to contract terms. This feature is one reason many people approaching retirement consider these products — they want to participate in index-linked growth without direct exposure to market declines. However, these products are not direct market investments, and their growth is subject to caps and participation rates set by the carrier, which can change. Ask Race to walk you through how these work during your free session.

Living benefit riders are available on many — but not all — modern life insurance policies. These riders allow you to access a portion of your death benefit early if you're diagnosed with a qualifying critical, chronic, or terminal illness. Availability, qualifying definitions, benefit amounts, and associated rider costs vary significantly by carrier and state. Race can help you identify which products include living benefit riders and explain the qualification criteria clearly during your consultation.

No. Race Cummings is a licensed insurance professional — not a registered investment advisor, broker-dealer, financial planner, or attorney. All content on this site and in any consultation is for educational purposes only. It does not constitute financial, tax, investment, or legal advice. Products vary by state, carrier, underwriting, eligibility, and individual situation. Please consult a licensed financial advisor, CPA, and/or estate attorney before making financial decisions. Race's role is to educate you about insurance-based strategies and help you understand whether they may be worth exploring further.

Your free session is a 30-minute conversation — not a sales call. Race will ask about your current situation, your retirement goals, and your biggest concerns. He'll explain relevant strategies in plain English, without jargon, and show you options you may not have seen before. There's no pressure, no obligation, and no cost. If something aligns with your goals, Race will explain next steps. If not, you'll leave with more clarity than you had before. That's the commitment.

Race Retirement works in connection with SureFit Financial to help clients explore life insurance and retirement protection strategies. This connection gives Race access to multiple insurance carriers and product types — so the conversation is always about what may fit your situation, not what any single company offers. SureFit Financial provides the carrier and product infrastructure; Race provides the education, guidance, and personal touch.

Retirement income planning is the process of building a strategy for how you will pay for living expenses throughout retirement. It typically involves understanding your income sources — Social Security, pensions if applicable, withdrawals from qualified accounts, and potentially annuity income — and making sure those sources are enough to cover your needs for as long as you live. The goal is to create predictable, sustainable income that holds up over a 20 to 30 year retirement, while also accounting for inflation, taxes, and unexpected expenses. Race can walk you through how different strategies may work together during your free session.

An income rider is an optional feature that can be added to certain annuity contracts, typically for an additional cost. When activated, it may allow the annuity to provide regular income payments — in some cases for as long as you live — regardless of what happens to the underlying account value. The income amount is generally calculated using a separate benefit base that may grow at a set rate during the accumulation phase. Income riders are not available on all annuity products, and features, costs, and eligibility vary by carrier and contract. For educational purposes only. Consult a licensed professional for details specific to your situation.

Tax treatment of annuities depends on how they are funded and how distributions are taken. Annuities purchased with after-tax dollars (non-qualified annuities) grow tax-deferred, and only the earnings portion of withdrawals is taxed as ordinary income. Annuities held inside a traditional IRA or 401(k) (qualified annuities) are fully taxable upon withdrawal since contributions were made pre-tax. Early withdrawals before age 59½ may be subject to a 10% IRS penalty in addition to ordinary income tax. Annuities are not a tax elimination strategy — they are a tax-deferral strategy. Tax treatment varies by individual situation. This is for educational purposes only. Consult a qualified tax professional before making decisions.

Life insurance with living benefits refers to policies that include riders allowing the policyholder to access a portion of the death benefit while still living, if they experience a qualifying health event. Depending on the rider, qualifying events may include a critical illness diagnosis (such as a heart attack or cancer), a chronic illness that affects the ability to perform daily activities, or a terminal illness with a limited life expectancy. Living benefit riders can help protect retirement savings from being depleted by a major health expense. Not all life insurance policies include living benefits, and availability, qualifying definitions, benefit amounts, and rider costs vary significantly by carrier and state.

Certain insurance-based strategies — particularly Fixed Indexed Annuities and Indexed Universal Life policies — are designed with features that may limit downside exposure. Many FIAs and IULs include a 0% floor, meaning interest credits will not be negative due to index losses, subject to contract terms. This means your account does not decrease due to index performance alone, even when the market declines. However, these products are not direct investments in the stock market, and their growth potential is subject to caps and participation rates set by the carrier. They are not designed to eliminate all risk — factors like surrender charges, fees, and inflation can still affect outcomes. Whether these strategies fit your situation depends on your age, goals, timeline, and overall financial picture.