Annuities

As you begin to reach retirement, you may start to hear more about annuities and how they can benefit your overall investment and retirement strategy. Annuities earn interest tax-deferred and in some cases, they may even provide a predictable stream of guaranteed lifetime income. Depending on your current financial portfolio, risk tolerance and a number of other factors, we will be able to help determine if an annuity is a suitable investment vehicle to help meet your needs.

Give us a call or use our contact form below to schedule a confidential consultation so we can see if an annuity is right for you.

  • Deferred Annuities
  • Indexed Annuities
  • Fixed Annuities

Fixed index annuities are long term retirement savings programs.  Investors should understand that these products have the potential to offer returns that may be greater than that of fixed annuity products, however, they are not direct investments in the stock market and will not produce returns consistent with the underlying index that they are based upon.  Fixed index annuities typically subject an investor to surrender charge periods that last several years and withdrawals made prior to age 59 1/2 may be subject to a 10% federal tax penalty.  Additionally, if purchased within a qualified plan, an annuity will provide no further tax deferral features.  All guarantees of an Fixed index annuity are subject to the claims paying ability of the issuing insurance company.  The contract, when redeemed, may be worth more or less than the principal amount invested. Fixed index annuities vary greatly and investors should seek the assistance of a financial professional to determine if an Fixed index annuity is suitable for their personal situation. 

 

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