An annuity is a contract with an insurance company that converts a lump sum or periodic payments into a stream of income, usually for life. Annuities help protect against the risk of outliving your savings. We offer fixed annuities that provide a guaranteed rate of return and variable annuities that allow investment in market subaccounts. Both types can include features like death benefits and cost-of-living adjustments.
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Guaranteed income — receive payments for a set period or for life, providing financial stability.
Tax-deferred growth — earnings grow tax-deferred until you withdraw them.
Protection from market volatility — fixed annuities offer guaranteed rates; variable annuities can include minimum income guarantees.
Flexible payout options — choose lifetime income, joint and survivor income or a period certain payout.
Customizable features — add riders for inflation protection, long-term care or death benefits.
Are annuities right for everyone?
No. Annuities can be beneficial for those seeking guaranteed income, but they have fees and restrictions. We assess your overall financial situation to see if they’re a good fit. Compare annuity benefits and tradeoffs and surrender periods and charges.
Can I access my money if I need it?
Most annuities have surrender periods during which withdrawals beyond a free withdrawal allowance are subject to charges. Some contracts allow partial withdrawals without penalties. We help you understand liquidity options.
What happens to my annuity when I die?
You can select a payout option or add a death benefit rider that ensures your beneficiaries receive the remaining value. Without a death benefit, payments may end at your death.
Next Step: Schedule an annuity consultation to see how guaranteed income fits into your retirement plan.
Income strategy expertise — we help determine if an annuity fits your retirement plan and which type suits your goals.
Clear explanations — we explain the trade-offs between fixed and variable annuities, fees and surrender charges.
Long-term focus — our recommendations prioritize stability and align with your risk tolerance.
Ongoing monitoring — we review your annuity’s performance and adjust your income plan as needed.
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(704) 926-7565
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(980) 206-3356
