Annuities provide guaranteed income you can't outlive. Whether you're approaching retirement or looking to protect your savings, we'll help you find the right annuity strategy.
Each type serves a different goal. We'll help you understand which fits your retirement plan.
Fixed annuities offer a guaranteed interest rate for a set period, providing predictable, steady growth with no market risk. Your principal is protected, and you know exactly what you'll earn.
Indexed annuities tie your interest rate to a market index (like the S&P 500). You can earn more when the market performs well, but your principal is protected from market losses.
Annuities solve a problem no other financial product can: guaranteed income that lasts as long as you do.
Lifetime income options ensure you receive payments for as long as you live — no matter how long that is.
Your money is protected from market losses. You can participate in market gains without the sleepless nights.
Your earnings grow tax-deferred until you start taking income, potentially growing faster than taxable accounts.
You're approaching retirement and want guaranteed income alongside Social Security
You want market upside potential without the risk of losing your principal
You've maxed out your 401(k) and IRA contributions and want additional tax-deferred growth
You want to protect a portion of your savings from market volatility
Fixed annuities offer a guaranteed interest rate set by the insurance company — predictable and steady. Indexed annuities tie your interest to a market index, offering the potential for higher returns when the market performs well, with protection against losses.
With fixed and indexed annuities, your principal is protected from market losses. The value won't decrease due to market downturns. However, early withdrawal charges (surrender charges) may apply if you take out more than the allowed amount during the surrender period.
You can start receiving income immediately (with an immediate annuity) or at a future date you choose (with a deferred annuity). Most people use deferred annuities to accumulate value during their working years and convert to income in retirement.
Annuities complement your 401(k), IRA, and Social Security. Many people use them to create a guaranteed income "floor" that covers essential expenses, while keeping other investments for growth and discretionary spending. We'll help you see how it all fits together.
Book a free consultation to explore fixed and indexed annuity options for your retirement plan.