Annuities
Looking for steadier retirement income? We compare fixed and indexed annuities to balance safety, growth, and lifetime payout needs.
We’ll explain fees, surrender periods, and riders in plain English—so there are no surprises.
What We Help You With:
FIXED & INDEXED ANNUITIES →
Protect your principal while earning steady interest through fixed rates or index-linked growth tied to market performance. These options balance security with the potential for higher returns than traditional savings.
INCOME RIDERS →
Add a rider to turn your retirement savings into guaranteed lifetime income you can’t outlive. This ensures financial stability even if you live longer than expected.
TAX-DEFERRED GROWTH →
Allow your earnings to grow without paying taxes until you withdraw. This tax advantage helps your retirement funds compound faster over time.
ROLLOVERS →
Move funds from a 401(k), IRA, or other retirement account into an annuity safely and efficiently. Proper rollovers help avoid penalties, fees, and unnecessary taxes.
FEE & SUITABILITY REVIEW →
Understand the fine print—such as caps, spreads, and surrender schedules—before making a decision. A suitability review ensures the annuity fits your goals and financial situation.
Annuities FAQ
Are annuities safe?
Fixed and indexed annuities are backed by insurer guarantees (not FDIC). We use strong, well-rated carriers.
What’s the downside?
Liquidity is limited during surrender periods; indexed annuities cap upside.
When does income start?
Immediate annuities pay now; deferred annuities can add income riders for later.
Can I lose principal?
Fixed annuities avoid market loss; indexed protect principal but limit growth via caps/spreads.
Are annuities taxable?
Growth is tax-deferred; withdrawals are taxed as ordinary income.