Annuities

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HOW ANNUITIES CAN HELP YOU FUND YOUR RETIREMENT LIFESTYLE
Today most Americans face a retirement challenge: Because we’re living longer, we’ll need more retirement income than any generation thus far. But at the same time, most traditional sources of retirement income -- personal savings, employers’ pension programs, and even social security -- are all under threat. Given the challenges ahead of us when it comes to saving for retirement, we’ve got to make the most efficient use of the funds we’ve managed to set aside. And that's where the annuity comes in. For decades, the annuity has been one of the most popular retirement savings vehicles. It has also been popular with families looking for effective ways to build a legacy for the next generation.

As independent financial advisors, we have access to the top products from many of the country's leading insurance carriers. So we can offer you the solutions that will best meet your goals for yourself and your loved ones.

Deferred Annuities

Is retirement on your horizon? You can begin making contributions to an annuity now, and take advantage of compounding interest earnings over the years as your wealth grows tax-deferred. Then, when you're ready to retire, you can take annual contributions to supplement your retirement income.

Immediate Annuities

If you're already of retirement age and have a large sum of money to invest, then an immediate annuity may be the solution. It allows you to make a single lump-sum contribution, and then begin taking distributions right away while while the remaining funds grow tax-deferred until you need them.

Fixed Annuities

If you don't like surprises and want to know exactly how much money you'll have at retirement, a fixed annuity guarantees a certain rate of return, no matter what the financial markets may do. For some investors, that's important peace of mind that eases the uncertainty of retirement savings.

Variable Annuities

If you want to take advantage of the performance of the financial markets -- with both its risk of loss and opportunity for gain -- then a variable annuity may be what you're looking for. Many variable annuities also offer a lock-in rate, which guarantees that your rate of return won't fall below that level.

HOW WE CAN HELP
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