Safeguard Your Retirement with Principal Protection & Tax Efficiency
At Oxley & Sinclair, we help retirees and pre-retirees in Miami and the Mid-Atlantic build safer, tax-efficient retirement strategies that protect what you've worked so hard to build.
About Oxley & Sinclair
Independent
As an independent insurance services firm, we provide unbiased guidance focused exclusively on your financial security and legacy goals.
Educational
Our education-first approach ensures you fully understand your options before making any decisions about your financial future.
Client-Centered
We develop personalized strategies tailored to your unique situation, prioritizing principal protection and tax efficiency.
Established to serve the distinct needs of retirees and pre-retirees in Miami, Florida, and throughout the Mid-Atlantic region, our firm is committed to safety, stability, and simplicity in retirement planning.
Meet Joshua C. Dawson
Expertise
With extensive experience in insurance-based retirement solutions, Joshua specializes in designing tax-efficient income strategies that prioritize principal protection and legacy planning.
Philosophy
Joshua believes retirement planning should focus on protecting what you've built while creating reliable income streams that cannot be outlived, regardless of market conditions.
Credentials
Licensed insurance professional with certifications in advanced retirement income planning and tax-efficient strategies. Not affiliated with securities offerings or investment advisory services.
As Managing Director of Oxley & Sinclair, Joshua has dedicated his career to helping clients navigate the complexities of retirement with confidence and clarity.
Our Promise: Safety, Stability, Simplicity
Safety
We prioritize protection of your principal against market losses while providing opportunities for reasonable growth.
Stability
Our strategies focus on creating predictable income streams designed to last throughout your retirement years.
Simplicity
We translate complex financial concepts into clear, straightforward strategies you can understand and feel confident about.
At Oxley & Sinclair, we believe retirement should be a time of security and enjoyment, not worry and complexity. Every recommendation we make reflects our commitment to these core principles.
Retirement Risks You Must Protect Against
Market Volatility
Significant market downturns near or during retirement can devastate your savings and derail your retirement plans.
Longevity
With today's increased lifespans, many retirees risk outliving their savings, especially with traditional withdrawal strategies.
Taxation
Inefficient tax planning can significantly reduce your retirement income and erode the legacy you leave to loved ones.
Healthcare Costs
Rising medical expenses and potential long-term care needs can quickly deplete retirement savings without proper planning.
These challenges require specialized strategies focused on protection, predictable income, and tax efficiency.
Our Solution: Safe, Tax-Efficient Strategies
Principal Protection
Insurance-based solutions that shield your retirement savings from market losses while still providing growth potential.
Tax-Efficient Growth
Strategies that minimize your tax exposure during the accumulation phase to maximize your growth potential.
Reliable Income
Structured approaches to create dependable income streams designed to last throughout your retirement.
Legacy Planning
Tax-advantaged methods to efficiently transfer wealth to your loved ones or charitable interests.
Tax references are general in nature and based on current law. Individual circumstances may vary. Consult a qualified tax or legal advisor.
Our Core Services
Retirement Income Mapping
Comprehensive planning for predictable lifetime income
Fixed Indexed Annuities (FIA)
Principal protection with growth potential
Indexed Universal Life (IUL)
Death benefit protection with cash value growth
Tax-Efficient Legacy Planning
Maximizing wealth transfer to loved ones
Each service is tailored to your specific situation, with strategies designed to work together to create a comprehensive retirement plan focused on safety, growth potential, and tax efficiency.
What Is a Fixed Indexed Annuity (FIA)?
Protection
Insurance product that protects your principal from market losses
Growth Potential
Interest crediting linked to market index performance
Income Options
Guaranteed lifetime income features available
Fixed Indexed Annuities are insurance products designed to protect principal, offer interest crediting linked to the performance of a market index, and provide optional lifetime income features. They are not securities, and they do not participate directly in stock or bond markets.
How Fixed Indexed Annuities Work
Premium Payment
You make a lump-sum premium payment or series of payments to the insurance company.
Index Connection
Your annuity's interest crediting is linked to the performance of a market index (like the S&P 500).
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Downside Protection
If the index performs negatively, your principal remains protected with no losses.
Growth Potential
When the index performs positively, you earn interest up to certain limits defined in your contract.
FIAs offer a balance of protection and growth potential that many traditional retirement vehicles cannot provide, making them particularly valuable in volatile market environments.
FIA Benefits and Considerations
Principal Protection
Your principal is guaranteed against market losses, providing peace of mind during market downturns.
Growth Potential
Opportunity to earn interest based on positive market index performance, typically with caps or participation rates.
Tax Deferral
Growth accumulates tax-deferred until withdrawals begin, potentially increasing your overall returns.
Liquidity Limitations
Typically includes surrender periods with limited access to funds. Most contracts allow annual withdrawals of 10% without penalties.
Tax references are general in nature and based on current law. Individual circumstances may vary. Consult a qualified tax or legal advisor.
What Is an Indexed Universal Life (IUL) Policy?
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Death Benefit Protection
Provides a tax-free death benefit to beneficiaries while offering flexibility in coverage amounts
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Cash Value Growth
Potential for tax-deferred cash value accumulation linked to market index performance
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Downside Protection
Principal protection against market losses while still offering growth potential
Tax Advantages
Potential for tax-free income through policy loans and withdrawals when properly structured
Indexed Universal Life Insurance is a flexible premium life insurance policy providing death benefit protection and potential tax-deferred cash value accumulation, based on the performance of a selected market index without direct investment into securities.
How Indexed Universal Life Works
Premium Allocation
Your premiums fund both the life insurance component (cost of insurance) and the cash value portion of the policy after deducting policy fees and expenses.
Cash Value Growth
The cash value portion is credited with interest based on the performance of your chosen market index, with guaranteed floor protection against market losses.
Access to Funds
You can access your policy's cash value through tax-free loans and withdrawals (up to basis) for retirement income, education funding, or other financial needs.
Death Benefit Transfer
Upon death, your beneficiaries receive the policy's death benefit generally income tax-free, regardless of how much you've accessed from the cash value.
Tax references are general in nature and based on current law. Individual circumstances may vary. Consult a qualified tax or legal advisor.
IUL Benefits and Considerations
Dual-Purpose Strategy
Combines life insurance protection with potential for tax-advantaged cash value accumulation and retirement income.
Tax-Free Death Benefit
Provides beneficiaries with a generally income tax-free death benefit, an important component of legacy planning.
Flexible Premiums
Ability to adjust premium payments within limits to accommodate changing financial circumstances.
Policy Costs
Includes fees, cost of insurance charges, and potentially surrender charges that impact overall returns, especially in early years.
Understanding the complete structure of an IUL policy is essential to determining if it fits within your retirement and legacy planning strategy.
Why Safe Growth Matters in Today's Economy
3-5
Years to Recover
Average recovery time needed after a significant market correction
20-30
Retirement Years
Potential length of retirement for today's retirees
$315K
Healthcare Costs
Average healthcare expenses for a 65-year-old couple in retirement
For retirees and pre-retirees in Miami and the Mid-Atlantic region, traditional market-based retirement strategies may expose your savings to unnecessary risk just when you need stability most. Our protection-first approach helps ensure market volatility doesn't derail your retirement plans.
Our Ideal Clients: Who We Serve Best
Pre-Retirees (Ages 50-65)
- Concerned about market volatility affecting retirement plans
- Looking to create guaranteed retirement income streams
- Interested in tax-efficient wealth accumulation strategies
Recent Retirees
- Seeking to protect retirement assets while maintaining growth potential
- Concerned about outliving their savings
- Looking to optimize Social Security and other income sources
Established Retirees
- Focused on legacy planning and efficient wealth transfer
- Interested in minimizing taxes on retirement income
- Seeking protection from healthcare and long-term care costs
Based in Miami, Florida, we serve clients throughout the Mid-Atlantic region who value safety, stability, and tax efficiency in their retirement planning.
Our 3-Step Process
Discovery
We learn about your financial situation, goals, concerns, and priorities through a comprehensive, no-obligation consultation.
Strategy Development
We create a customized plan addressing your specific needs, with a focus on principal protection, income reliability, and tax efficiency.
Implementation
Once you're comfortable with your plan, we handle all paperwork and implementation details, providing ongoing support and annual reviews.
This straightforward approach ensures you fully understand and feel confident in your retirement strategy before making any decisions. There's never any pressure—just clear education and guidance.
What Our Clients Say
Patricia R., Miami
"After losing a significant portion of our savings in the last market downturn, we were looking for more secure options. Joshua helped us protect our remaining assets while still keeping pace with inflation. We finally sleep well at night."
Robert M., West Virginia
"The strategies Joshua implemented have given us tax-free retirement income that we couldn't have achieved with our traditional accounts. His knowledge of both insurance products and tax planning has been invaluable."
David & Susan T., Florida
"We appreciate the clarity Joshua brings to complex financial topics. He took the time to educate us about our options and never pushed us toward any particular product. Our retirement plan now has the balance of safety and growth we were seeking."
Frequently Asked Questions
How are Fixed Indexed Annuities different from traditional investments?
Fixed Indexed Annuities (FIAs) are insurance products designed to protect principal while offering growth potential linked to market indices. Unlike traditional investments, FIAs provide guarantees against market losses while still allowing participation in some market gains. They're designed for safety and predictable income rather than maximum growth.
Are there fees associated with your services?
We do not charge fees for our consultation or planning services. As licensed insurance professionals, we are compensated through the insurance companies when you choose to implement a recommended product. This ensures our interests are aligned with finding the right solution for your specific needs.
How much liquidity do I have with these insurance products?
Most insurance products we recommend provide some liquidity while maintaining their benefits. Fixed Indexed Annuities typically allow annual withdrawals of 10% without surrender charges, plus additional penalty-free access for specific situations such as nursing home care. IUL policies offer access to cash value through loans and withdrawals. We carefully consider your liquidity needs when making recommendations.
Are you fiduciaries or investment advisors?
We are licensed insurance professionals, not investment advisors or fiduciaries. We specialize exclusively in insurance-based retirement and income solutions rather than securities or investment management. This focused expertise allows us to deliver specialized guidance in principal-protected strategies.
Tax-Free Retirement Concepts
Many retirees face significant taxation on their retirement income from traditional sources. Through strategic use of insurance-based solutions like Indexed Universal Life, it's possible to create tax-advantaged or even tax-free income streams in retirement, maximizing your usable income and minimizing your tax liability.
Tax references are general in nature and based on current law. Individual circumstances may vary. Consult a qualified tax or legal advisor.
Compliance & Licensing
Oxley & Sinclair and its representatives are licensed insurance professionals in Florida and throughout the Mid-Atlantic region. We maintain all required state licenses and adhere to strict ethical and regulatory standards in our practice.
Our firm specializes exclusively in insurance-based retirement solutions. We do not offer securities, investment advisory services, or comprehensive financial planning. All recommendations are based on the insurance products and services we are licensed and qualified to provide.
Serving Retirees Across Miami and the Mid-Atlantic
Miami, Florida
Our headquarters serves South Florida's growing retirement community with in-person consultations and ongoing support.
West Virginia
Providing retirement and legacy planning solutions to clients throughout the Mountain State.
Mid-Atlantic Region
Serving clients across Virginia, Maryland, Pennsylvania, and surrounding states with virtual and in-person planning services.
Wherever you're located within our service area, we offer the same level of personalized attention and support through in-person meetings, video consultations, and comprehensive digital communication.
Educational Resources
Fixed Indexed Annuity Guide
Comprehensive explanation of how FIAs work, their benefits and limitations, and how they fit into retirement planning. This guide breaks down complex concepts into easy-to-understand information.
IUL Explained
Clear overview of Indexed Universal Life insurance, focusing on both the death benefit protection and cash value growth potential. Learn how IUL can serve multiple financial purposes.
Tax-Efficient Retirement
Strategies for minimizing tax burden in retirement while maximizing income. Includes comparison of various retirement vehicles and their tax treatment during distribution phase.
We believe educated clients make better decisions. Request these free resources during your consultation to enhance your understanding of the strategies we recommend.
Take the Next Step Toward a Safer Retirement
Schedule a Consultation
Book your complimentary, no-obligation retirement strategy session
Share Your Goals
Discuss your retirement concerns and objectives with our team
Receive a Personalized Plan
Get a customized strategy designed for your specific situation
Your retirement deserves protection from market volatility, tax inefficiency, and uncertainty. Our team is ready to show you how our insurance-based solutions can help create the secure, tax-efficient retirement you deserve. There's never any pressure—just clear education and guidance.
Contact Oxley & Sinclair
Whether you prefer to visit our office, schedule a virtual meeting, or have us come to you, we make the consultation process convenient and comfortable. Contact us today to begin the conversation about your secure retirement future.
Legal Disclaimers
Services Disclaimer
Oxley & Sinclair and its representatives are licensed to offer insurance products only. We do not offer investment advisory services, securities management, or fiduciary financial planning. This website is for informational and educational purposes only and should not be construed as personalized financial, tax, or legal advice.
Tax Information Disclaimer
Any tax references are general and based on current law. Consult a qualified tax advisor or attorney for advice pertaining to your individual situation. Tax laws are subject to change and may affect the strategies discussed on this website.
Product Information
Fixed Indexed Annuities and Indexed Universal Life policies are insurance products with guarantees backed by the financial strength and claims-paying ability of the issuing insurance company. Not FDIC insured. Not bank or credit union guaranteed. Not a deposit. Not insured by any federal government agency.
Licensing Information
Licensed in Florida, West Virginia, and select Mid-Atlantic states. Specific product availability varies by state. All representatives maintain appropriate state insurance licenses for the products they offer.
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