Built for the crypto-native investor

You’ve built wealth in crypto.
Now make it work for life.

You’ve taken on the volatility, navigated the cycles, and stacked real gains. The next move isn’t selling out — it’s locking in. Next Step Annuities helps you bridge your crypto profits into a strategy that protects your principal, participates in market upside, and pays you for life if you want it to.

Zero principal at risk. Zero guesswork. Your gains stay protected — while still having room to grow based on market performance.

Three things an annuity does for you

Protect your stack

100% principal protection. Market crashes can’t touch what you’ve locked in.

Participate in growth

Your gains are tied to index performance — so you still benefit when markets move up.

Turn it into income

When you’re ready, convert your balance into a guaranteed paycheck for life.

Why crypto holders are making this move

Crypto rewards conviction — but it also demands constant attention. Every holder has thought about it: at what point do I take my chips off the table?

The problem with “just selling into cash” is that you lose all upside exposure, face a taxable event, and now have idle capital sitting in an account earning almost nothing. An indexed annuity offers a smarter off-ramp.

Think of it like moving from a non-custodial wallet to cold storage — you’re not exiting the game. You’re just securing your position in a structure that can’t be hacked, liquidated, or wiped out in a market correction.

Crypto gave you asymmetric upside. An annuity gives you asymmetric downside protection — the ability to participate in gains without ever losing what you put in.

How the strategy works

1

Capture your gains

Sell a portion (or all) of your crypto position. Convert to cash — this is the moment you lock in what you’ve earned.

2

Fund the annuity

Your premium goes into a Fixed Indexed Annuity (FIA). From day one, your principal is 100% protected regardless of what markets do.

3

Index-linked growth

Your contract credits interest based on a market index (like the S&P 500). Good year = you earn. Down year = you don’t lose. Floor is always zero.

4

Activate income (optional)

When you’re ready, convert your accumulated value into a guaranteed income stream — monthly, for life. No matter how long you live.

The math that matters

0%Floor on annual losses 100%Principal protection LifeDuration of income option

Unlike a brokerage account where a 50% drawdown requires a 100% gain just to break even, your annuity value never resets backward. Every gain you lock in becomes your new floor.

Annual reset feature: at the end of each contract year, credited interest is locked in permanently. You can never lose what’s been credited — only build on it.

Common questions from crypto investors

Is this the same as just holding stablecoins?

Not quite. Stablecoins hold value but don’t grow and carry smart contract and depeg risk. An annuity is a regulated insurance contract backed by the insurer’s general account — a fundamentally different risk profile with guaranteed upside participation.

What’s the catch with the growth potential?

Indexed annuities typically apply a cap, spread, or participation rate to limit how much of a market rally you capture. You give up some upside in exchange for the downside floor. For many investors, that’s a trade worth making — especially after a big run.

Can I still access my money?

Most contracts include a free withdrawal allowance (typically 10%/year) and a surrender charge period. This is long-term capital — think of it like a vesting schedule for your future self.

What happens if the insurance company goes under?

Annuities are backed by state guaranty associations and the insurer’s general account assets. We work exclusively with highly rated carriers — we’ll show you the ratings before you commit to anything.

Ready to secure your next block?

No pressure, no pitch. Just a straightforward conversation about where you are, what you’ve built, and whether this strategy fits your next move.

NextStepAnnuities.com  |  (000) 000-0000  |  hello@nextstepannuities.com

Next Step Annuities is an independent insurance brokerage. Annuity products are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier. This material is for informational purposes only and does not constitute financial, tax, or legal advice. Please consult a qualified professional before making any financial decisions.

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<div class=”logo”>Next Step Annuities</div>

<div class=”eyebrow”>Built for the crypto-native investor</div>

<h1>You’ve built wealth in crypto.<br>Now make it work for life.</h1>

<p>You’ve taken on the volatility, navigated the cycles, and stacked real gains. The next move isn’t selling out — it’s locking in. Next Step Annuities helps you bridge your crypto profits into a strategy that protects your principal, participates in market upside, and pays you for life if you want it to.</p>

<div class=”tagline-box”>

  <p><strong>Zero principal at risk. Zero guesswork.</strong> Your gains stay protected — while still having room to grow based on market performance.</p>

</div>

<h2>Three things an annuity does for you</h2>

<table class=”pillar-table”>

  <tr>

    <td><h3>Protect your stack</h3><p>100% principal protection. Market crashes can’t touch what you’ve locked in.</p></td>

    <td><h3>Participate in growth</h3><p>Your gains are tied to index performance — so you still benefit when markets move up.</p></td>

    <td><h3>Turn it into income</h3><p>When you’re ready, convert your balance into a guaranteed paycheck for life.</p></td>

  </tr>

</table>

<h2>Why crypto holders are making this move</h2>

<p>Crypto rewards conviction — but it also demands constant attention. Every holder has thought about it: <em>at what point do I take my chips off the table?</em></p>

<p>The problem with “just selling into cash” is that you lose all upside exposure, face a taxable event, and now have idle capital sitting in an account earning almost nothing. An indexed annuity offers a smarter off-ramp.</p>

<div class=”highlight-box”>

  <p><strong>Think of it like moving from a non-custodial wallet to cold storage</strong> — you’re not exiting the game. You’re just securing your position in a structure that can’t be hacked, liquidated, or wiped out in a market correction.</p>

</div>

<p>Crypto gave you asymmetric upside. An annuity gives you asymmetric downside protection — the ability to participate in gains without ever losing what you put in.</p>

<h2>How the strategy works</h2>

<div class=”step”><div class=”step-num”>1</div><div class=”step-body”><h4>Capture your gains</h4><p>Sell a portion (or all) of your crypto position. Convert to cash — this is the moment you lock in what you’ve earned.</p></div></div>

<div class=”step”><div class=”step-num”>2</div><div class=”step-body”><h4>Fund the annuity</h4><p>Your premium goes into a Fixed Indexed Annuity (FIA). From day one, your principal is 100% protected regardless of what markets do.</p></div></div>

<div class=”step”><div class=”step-num”>3</div><div class=”step-body”><h4>Index-linked growth</h4><p>Your contract credits interest based on a market index (like the S&P 500). Good year = you earn. Down year = you don’t lose. Floor is always zero.</p></div></div>

<div class=”step”><div class=”step-num”>4</div><div class=”step-body”><h4>Activate income (optional)</h4><p>When you’re ready, convert your accumulated value into a guaranteed income stream — monthly, for life. No matter how long you live.</p></div></div>

<h2>The math that matters</h2>

<table class=”stats-table”>

  <tr>

    <td><span class=”val”>0%</span><span class=”lbl”>Floor on annual losses</span></td>

    <td><span class=”val”>100%</span><span class=”lbl”>Principal protection</span></td>

    <td><span class=”val”>Life</span><span class=”lbl”>Duration of income option</span></td>

  </tr>

</table>

<p>Unlike a brokerage account where a 50% drawdown requires a 100% gain just to break even, your annuity value never resets backward. Every gain you lock in becomes your new floor.</p>

<div class=”highlight-box”>

  <p><strong>Annual reset feature:</strong> at the end of each contract year, credited interest is locked in permanently. You can never lose what’s been credited — only build on it.</p>

</div>

<h2>Common questions from crypto investors</h2>

<p class=”faq-q”>Is this the same as just holding stablecoins?</p>

<p class=”faq-a”>Not quite. Stablecoins hold value but don’t grow and carry smart contract and depeg risk. An annuity is a regulated insurance contract backed by the insurer’s general account — a fundamentally different risk profile with guaranteed upside participation.</p>

<p class=”faq-q”>What’s the catch with the growth potential?</p>

<p class=”faq-a”>Indexed annuities typically apply a cap, spread, or participation rate to limit how much of a market rally you capture. You give up some upside in exchange for the downside floor. For many investors, that’s a trade worth making — especially after a big run.</p>

<p class=”faq-q”>Can I still access my money?</p>

<p class=”faq-a”>Most contracts include a free withdrawal allowance (typically 10%/year) and a surrender charge period. This is long-term capital — think of it like a vesting schedule for your future self.</p>

<p class=”faq-q”>What happens if the insurance company goes under?</p>

<p class=”faq-a”>Annuities are backed by state guaranty associations and the insurer’s general account assets. We work exclusively with highly rated carriers — we’ll show you the ratings before you commit to anything.</p>

<div class=”cta-box”>

  <h2>Ready to secure your next block?</h2>

  <p>No pressure, no pitch. Just a straightforward conversation about where you are, what you’ve built, and whether this strategy fits your next move.</p>

  <p><strong>NextStepAnnuities.com &nbsp;|&nbsp; (000) 000-0000 &nbsp;|&nbsp; hello@nextstepannuities.com</strong></p>

</div>

<div class=”disclaimer”>Next Step Annuities is an independent insurance brokerage. Annuity products are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier. This material is for informational purposes only and does not constitute financial, tax, or legal advice. Please consult a qualified professional before making any financial decisions.</div>

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*Anthony J Pettola Jr offers products and financial services – Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments – Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with A.J. Pettola & Associates. Products and securities are in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or and money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.