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Virtual Annuity
Stable Index Fund
Portfolio Enhancer Plus

We Strive to Help Retirees Reach Financial Security & Improve Wellbeing


We strive to help retirees reach financial security and improve their well-being.  In particular, we offer the Virtual Annuity, an innovative retirement financial vehicle alternative to traditional life annuities as well as the Stable Index Fund, a covered index fund, and manage the Greater Greenwich Fund, a hedge fund for defined benefit pension plans.


Retirement Income Security, LLC

777 West Putnam Ave.
Greenwich, CT 06830


310 Spring Valley Dr.

East Greenwich, RI 02818


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Visionaries, Pioneers, Partners

Virtual Annuity

Virtual Annuity

Innovative Retirement Investment Vehicle

Virtual Annuity (VIRA) is a convertible SMA/ETF that strives to provide retirees with a lifetime steady income stream and long-term care (LTC) coverage, the two most important pillars of retirement financial security, along with liquidity and flexibility.   For more information, visit

Client 1

Stable Index Fund

Covered Index Fund

The Fund strives to reduce the downside risk and generate an extra return over the return on S&P 500.  The Fund holds the S&P 500 constituents and short SPX call options.  The Fund charges no management fee and shares the return from trading SPX calls with the Fund shareholders.  

Client 7

Portfolio Enhancer Plus

Add-on Short Call Portfolio

This investment vehicle offers an extra return and simultaneously reduces the downside risk of the client's existing equity portfolio. This vehicle does not touch the client's portfolio and uses only its unutilized margin buying power to trade index call options.  As a result, this vehicle does not charge a management fee and splits the return from trading index calls with the client. 

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