01
The foundation
What is a fixed index annuity?
Understand the essentials, the different types of annuities, and how an FIA differs from investing directly in the stock market.
FIXED INDEX ANNUITIES. EXPLAINED.
Retirement.Rethought.
You’ve worked hard for your money.
Now, discover another way to think about its future.
An eye-opening guide to fixed index annuities—and the possibilities they can bring to your retirement conversation.
★★★★★5.0 on Amazon · 24 ratings
FIA ASAP!THE PAPERBACK EDITION
FINANCIAL EDUCATION. A FRESH PERSPECTIVE.
From the team behind IUL ASAP
#6Amazon Retirement PlanningReached August 6, 2026
171pages to a more
informed conversation
informed conversation
01 / THE BOOKA NEW PERSPECTIVE
Retirement has
more than
one possibility.
What if the first step toward a more confident retirement wasn’t a new investment—but a better understanding?
FIA ASAP brings an often-overlooked retirement tool into focus. Shirley Luu and Enzo Giovanni explain fixed index annuities in everyday language, helping you look beyond the jargon and ask better questions.
Discover how protection, growth potential and retirement income can work together—and where an FIA may, or may not, belong in your plan.
Explore the book on Amazon02
The mechanics
Meet the 0% floor.
Explore index-linked interest and the staircase effect—along with the caps, participation rates and contract terms that shape the outcome.
03
The bigger picture
Give your savings a purpose.
Consider how an FIA might complement Social Security, a pension, an IRA and other retirement assets.
04
The real-life questions
See the possibilities. Know the tradeoffs.
Get a clearer view of income options, access to your money, market volatility and the questions to ask before making a decision.
02 / A DIFFERENT CONVERSATIONUNDERSTAND YOUR OPTIONS
Three letters.
A wider perspective.
FIA stands for fixed index annuity.
Start with what matters to you.
A QUESTION WORTH ASKING
What happens when the market drops or crashes?
The "F" in "FIA" stands for "fixed" as in a fixed 0% floor that protects your principal from index declines or recessions. It is the way a FIA protects your principal from the market downside.
01An index declines02Interest floor applies03Contract terms still matter
Ask about surrender periods, withdrawal limits and the insurer backing the contract.
Explore each perspective
An FIA is an insurance contract, not a direct investment in an index. Features and suitability vary. The book helps you understand the questions; a personal conversation helps you explore the answers.
03 / READER PERSPECTIVESCLARITY RESONATES
Good questions.
Great conversations.
Rating verified September 15, 2026. Ratings can change.
Read the Amazon reviews04 / THE PEOPLE BEHIND THE PAGESEXPERIENCE MEETS EDUCATION
01
02THE AUDIOBOOK · COMING SOON
A fresh perspective.
Wherever life takes you.
FIA ASAP is coming to audio. Take the ideas beyond the page—on your next walk, your commute, or a quiet moment to yourself.
Audio edition in preparation05 / YOUR NEXT CHAPTERLET’S MAKE IT PERSONAL
COMPLIMENTARY · NO OBLIGATION
The book starts
the conversation.
You make it yours.
Already finished the book? Still turning over a few questions? Talk with Enzo about the people, priorities and plans that matter to you.
- Bring your questions about the book
- Explore your retirement goals
- Understand whether an FIA may fit
Enzo GiovanniFIA ASAP co-author
Shirley Luu & AssociatesLearn more about Enzo ↗
Shirley Luu & AssociatesLearn more about Enzo ↗
Choose an available time in the calendar.
Prefer a separate window? Open Enzo’s calendar ↗
YOUR COMPLIMENTARY CONVERSATIONWITH ENZO GIOVANNI
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A FEW GOOD QUESTIONS
Before you
turn the page.
Who is FIA ASAP for?
Anyone who wants a clearer understanding of fixed index annuities—whether you’re approaching retirement, already retired, or simply exploring your options. You don’t need a financial background to begin.
Is an FIA the same as investing in the stock market?
No. An FIA is an insurance contract. Interest may be linked to an index, but you do not invest directly in that index. Contract terms—including caps, participation rates and spreads—determine interest credits.
Can I access money in a FIA?
Yes, you can, and ultimately you may withdraw all your money or move all your money penalty-free if designed that way. In the early years, during a surrender charge period, you are usually allowed up to 10% withdrawals penalty-free. Access depends on the FIA contract type and design. Speak to a financial professional.
Do I need to read the book before booking?
No. You’re welcome to book a complimentary meeting whether you’ve read every page or are just getting started. Bring the questions you have today.
Where can I buy the book?
The paperback is available on Amazon. Visit the book’s sales page to see current pricing and delivery options. The audio edition is coming soon.
YOUR FUTURE DESERVES YOUR CURIOSITY.