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Annuities

Saving for retirement is one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that could limit your savings. What are you doing to safeguard your retirement? 

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Fixed Annuities 

This annuity contract earns a stated interest rate (fixed interest rate) offered by the insurance company.

Fixed annuities are guaranteed lifetime income. Those planning for retirement are facing difficult times after the sting of stock market losses, reduced or canceled dividend payouts, and financial market uncertainty affecting corporate and government bonds.

 

A guaranteed lifetime income is a secure, guaranteed, and smart investment for your money.

What Are Annuities? 

Insurance contracts that promise to pay you regular income either immediately or in the future. You can buy an annuity with a lump sum or series of payments. 

Why An Annuity?

Annuities are one of the safest, most secure places to grow and protect your retirement income. Think of an annuity like insurance on your retirement. You're protecting your retirement from volatility. 

When An Annuity?

Individuals who are looking to rollover a current IRA (401k, Traditional, 403b, Roth IRA) should consider an annuity to avoid market downturn during the distribution phase of retirement.

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Equity Index

This is an offshoot of a fixed annuity where the interest rate is based on an outside index such as a stock market index like the S&P 500 or the Dow Industrial Index. This annuity pays a base return rate, such as 3%, but the returns may be higher if the index returns greater than the base return rate.

This is a smart choice for an annuity, and returns may be higher than fixed instruments such as CDs, money market accounts, and bonds. Equity Index Annuities are insured by the State Guarantee Fund which is similar to the insurance provided by the FDIC.

"Don't simply retire from something; have something to retire to."

Harry Emerson Fosdick