Annuity
Turn Your Savings Into Guaranteed Lifetime Income
An annuity is a powerful financial tool that transforms your retirement savings into a reliable stream of income you can count on—for life. It’s designed to give you peace of mind by eliminating the fear of outliving your money. As pensions become less common and market ups and downs create uncertainty, annuities offer stable, guaranteed income that helps cover your living expenses well into retirement. Whether you're planning ahead or already retired, an annuity gives you financial security, simplicity, and the freedom to enjoy your next chapter—without worry.
Retire With Confidence
Why Choose an Annuity for Retirement?
Annuities offer dependable income, protection from market volatility, and financial peace of mind. They’re ideal for those looking to safeguard their lifestyle in retirement without the stress of outliving their savings. With customizable options, annuities can be tailored to meet your specific retirement goals and timeline.
- Guaranteed lifetime income
- Protection from stock market losses
- Tax-deferred growth on earnings
- Peace of mind with predictable payouts
- Options for you and your spouse
An annuity is your financial safety net—secure, steady, and built to last a lifetime.
A guaranteed interest rate and predictable income—ideal for conservative investors who want stability.
Start receiving payments within a year of your investment. Perfect for those needing income now.
Let your money grow tax-deferred until you're ready to start withdrawals—ideal for long-term planning.
Is an Annuity Right for You?
Annuities aren’t a one-size-fits-all solution. Depending on your financial goals, time horizon, and risk tolerance, an annuity could be a powerful tool—or it might not be the right fit.
That’s why we offer complimentary, no-obligation consultations to help you explore your options. We’ll walk you through how annuities work, answer your questions, and evaluate whether an annuity aligns with your overall retirement plan.
Our goal is to empower you with clear, unbiased information so you can make confident financial decisions. Whether you’re approaching retirement or already retired, we’re here to help you build a secure future.
FAQ
Got Questions? We’ve Got Answers!
When should I buy an annuity?
Annuities are ideal if you’re near retirement or already retired and looking to secure a guaranteed income. However, some people use deferred annuities earlier to benefit from tax-deferred growth.
Is the money in an annuity taxed?
Earnings grow tax-deferred, meaning you don’t pay taxes until you withdraw the money. When you take income, it's taxed as ordinary income.
How long do annuity payments last?
You can choose payout options such as a specific number of years, for life, or joint life (covering two people). The most popular option is lifetime income, which guarantees payments for as long as you live.
Can I access my money early?
Yes, but early withdrawals may be subject to surrender charges and IRS penalties if you’re under age 59½. Many annuities allow penalty-free withdrawals up to 10% annually.
Can I add beneficiaries to my annuity?
Yes. Many annuities offer a death benefit that goes to your beneficiaries, so the remaining value doesn’t go to the insurance company.
How do I know if an annuity is right for me?
That’s where we come in. We offer personalized, no-pressure consultations to help you understand how an annuity fits (or doesn't fit) into your retirement plan. Book a free consultation with us and let's find the best solution for your financial future.