ANNUITIES
Build an income plan that lasts as long as you do.
An annuity transfers longevity risk to an insurance company and creates tax-deferred growth, principal protection, or a guaranteed stream of lifetime income based on your personalized plan.
POTENTIAL BENEFITS
Protection and predictability for retirement income.
Principal protection
Fixed and fixed-indexed options can help shield principal from market downturns.
Lifetime income
Available income options can help create a personal pension for you or a spouse.
Tax-deferred growth
Earnings can compound without annual taxation until funds are distributed.
OUR PROCESS
A selective recommendation, not a default answer.
We evaluate product type, riders, surrender schedules, liquidity, guarantees, and the role each option would play in your income plan. Annuities are considered only when they can demonstrably improve stability or risk management.
Plan review
- Suitability review
- Solution comparison
- Allocation and implementation
- Semiannual or annual checkups
Annuity questions, answered.
Understand the features and tradeoffs before choosing an income strategy.
How do fixed and fixed-indexed annuities differ?
A fixed annuity credits interest under the contract’s stated terms. A fixed-indexed annuity uses a formula tied to an index, often with caps, participation rates or other limits. You do not receive the same return as directly owning that index.
Can I access the money when I need it?
Access depends on the contract. Some withdrawals may be permitted without a surrender charge, while larger or early withdrawals can trigger charges or adjustments. Review the withdrawal allowance, surrender period and possible tax consequences before committing funds.
Who stands behind an annuity guarantee?
The issuing insurance company is responsible for its contractual guarantees. Ask which amounts are guaranteed, which are projections, what conditions apply and whether an optional income rider has a separate cost.
What should I compare before choosing an annuity?
Compare income timing, liquidity, charges, crediting rules, beneficiary options and insurer strength. Separate the income benefit from the amount available to withdraw, and consider how the contract fits with your other retirement resources.
Continue exploring: Explore retirement income scenarios · Discuss your income priorities
Further reading: Texas Department of Insurance: annuities guide
Could an annuity strengthen your retirement plan?
Review income needs, liquidity, guarantees, and tradeoffs with a strategist.