Income you can't outlive
Annuities help protect your savings from market losses, grow them tax-deferred, and turn them into a reliable paycheck in retirement.
Retirement options
Fixed Annuities
Guaranteed interest for a set number of years, similar to a CD but with tax-deferred growth. Good for money you don't want at risk.
Fixed Indexed Annuities
Growth linked to a market index with protection from market losses, plus optional riders for guaranteed lifetime income.
Income Annuities
Turn a lump sum into guaranteed monthly income, starting now or at a date you choose.
IUL for Retirement
Life insurance with cash value you may be able to access tax-advantaged later.
How IUL works →Rollovers
Moving an old 401(k) or IRA into an annuity can protect it from market swings. We'll look at fees, surrender periods, and whether it truly makes sense.
Retirement Income Planning
We look at Social Security, savings, pensions, and insurance together to build a plan for steady income.
Start planning →Will your money last as long as you do?
People are living longer, and retirement can last 25 or 30 years. An annuity is one of the few tools that can guarantee income for life, no matter how long you live or what the market does.
What to know before you buy
- Annuities are long-term products
- Most have surrender charges if you withdraw too much early
- Withdrawals before 59½ may face a 10% IRS penalty
- Guarantees depend on the insurance company's strength
Annuity questions
Can I lose money in a fixed or fixed indexed annuity?
Not from market losses. Your principal is protected from index declines. You can lose money if you surrender early and pay surrender charges.
How is annuity growth taxed?
Growth is tax-deferred until you withdraw it. Withdrawals are taxed as ordinary income on the gains.
Do you sell variable annuities?
Not at this time. We focus on fixed and fixed indexed annuities, which protect your principal from market losses.
Let's map out your retirement income
Book a free, no-pressure call. We'll look at where you are and what makes sense.