Annuities
Annuities can assist you in retirement by offering growth that is tax-deferred while you are still saving. An annuity is a contract between you and an insurance company. This contract completely transfers the longevity risk, which is the risk of you outliving your retirement savings, from you to the insurance company. In exchange, you pay premiums as outlined in the contract, and typically they require minimum lump sum premiums. An annuity is like setting up a “private pension” for yourself, and at the end of the annuity you can either roll your lump sum into another product or start a guaranteed lifetime stream of income for you and your spouse.
Guarantees and an Income You Cannot Outlive, Protects Your Money From Downturns in the Market, Gain a more Predictable Future!
Used selectively, annuities can turn assets into income you cannot outlive or add protection to conservative money—You have many options customized for your goals.
Key Points
- Principal protection (fixed/fixed-indexed)
- Lifetime income options
- Tax-deferred growth
- Probate-avoidance via beneficiary designations
- Custom fit to your income layer
Our Process
- Suitability Review
- Identify Solutions to Achieve Your Goals
- Allocation and Monitoring
- Semi-annual and Annuals Checkups
We evaluate types, riders, surrender schedules and liquidity against your plan and explain trade-offs in plain English.
Are annuities for everyone?
No—only when they demonstrably improve income stability or risk.
Fees and surrender charges?
We compare options transparently and match liquidity to your needs.
No—only when they demonstrably improve income stability or risk.
Fees and surrender charges?
We compare options transparently and match liquidity to your needs.
Interested in learning more about annuities and how they could work for your situation?
Speak to one of our dedicated agents about your annuity options.