Annuities
Income that keeps arriving after you stop working. When the market swings, the guaranteed payment stays the same.
An annuity can be a powerful tool for a steady retirement, but the category is wide. How interest is credited, what is guaranteed, and how you can access the money differ from contract to contract.
The right fit depends on your goals, your comfort with risk, and when you plan to retire. I am not tied to one carrier or one product, so we can look for what actually works in your favor.
Protecting principal comes first. I generally focus on products where your original deposit is guaranteed.
- Guaranteed lifetime income design
- Principal-protected products
- Fixed indexed annuities (FIA)
- Immediate & deferred annuities
- Multi-year guaranteed annuities (MYGA)
Payments can start now or on a date you choose, and they continue for as long as you live.
Your deposit is shielded from market risk. You choose between a bank-rate style credit and one linked to the market.
Tax on the gain is deferred until you withdraw, so the money that would have gone to tax stays invested.
One question is enough to start
A consultation does not oblige you to buy anything. Putting your situation in order is my job.
- 1
Call or email
Leave just a name and a number, and I will call you back.
- 2
We talk it through
Not a product pitch. I start with where you stand and what you want to know. Office visit or phone, whichever is easier.
- 3
You decide in your own time
I show you the carriers side by side. Talking it over with your family first is never too late.
