Create predictable retirement income you can't outlive. Annuities offer principal protection, tax-deferred growth, and guaranteed income options—giving you confidence in your financial future.
Different annuities serve different purposes. Here's a simple breakdown of your options:
Earn a guaranteed interest rate for a set period. Your principal is protected, and you know exactly what you'll earn. Like a CD, but often with better rates and tax deferral.
Best for: Conservative savers
Growth linked to a market index with downside protection. Participate in market gains up to a cap, but never lose principal when markets drop. Best of both worlds.
Best for: Balanced growth seekers
Convert a lump sum into guaranteed income payments for life or a set period. Create your own "pension" that you can't outlive, no matter how long you live.
Best for: Retirement income
With fixed and fixed indexed annuities, your principal is protected from market losses. You won't lose money due to market downturns.
Your money grows without annual taxes eating into gains. You only pay taxes when you take withdrawals, potentially at a lower retirement tax bracket.
Create an income stream you literally cannot outlive. No matter how long you live, the checks keep coming.
Unlike IRAs and 401(k)s, there's no cap on how much you can put into an annuity. Great for catch-up savings.
In many states, annuities offer protection from creditors and lawsuits—an added layer of asset protection.
Annuities may be a good fit if you:
Important: Annuities have surrender periods and fees. I'll explain all the details upfront so you can make an informed decision.
Let's explore how an annuity might fit into your retirement plan. I'll help you understand your options clearly—with no pressure.