Becoming proactive in protecting your assets can go a long way toward providing you the freedom to focus on what’s important in retirement.


How Annuities May Help 

Annuities are a contract you purchase from an insurance company to assist you in accumulating assets for retirement. They offer many ways to generate income, including systematic withdrawal, lifetime income payments through a guaranteed lifetime withdrawal benefit available at an extra cost, and annuitization; which is provided at no additional cost.

Annuities may provide death benefits, available at an additional cost, that offer an amount payable upon death to the beneficiary which may provide guaranteed increases or protection against investment loss.

If you take withdrawals before the age of 59 ½, you may have to pay a 10% early withdrawal federal tax penalty along with ordinary income taxes. Withdrawals may trigger early surrender charges, reduce your death benefit and contract value and may also lessen any guaranteed lifetime withdrawal benefits.

You owe it to yourself to create a way to the retirement you have worked so hard for.

Inevitably, your dreams include relaxing with family, traveling, or enjoying entertainment activities, you want to have a plan in place to reach your retirement goals.

The fact is most individuals are not certain how much they will need when planning their financial future. They may not be sufficiently prepared to manage the various risks that stand in the way of acquiring their retirement dreams. Retirement planning is very different than in the past; it’s important to acknowledge that today you may need to take a new path toward retirement.

Fixed and fixed indexed annuities help to turn your vision of retirement into a reality by offering:

· The guarantees and security you need for your retirement assets

· The opportunity for long-term accumulation of your hard-earned assets

· Flexibility to withdraw your retirement savings

· The opportunity to generate a guaranteed lifetime income

· Tax deferral (you do not have to pay taxes on the interest credited to an annuity until it is withdrawn or dispersed to you). 

You can have confidence in knowing your retirement savings are safe and guaranteed with a fixed and/or fixed indexed annuity with absolutely no market risks.

To find out if Annuities are the right investment vehicle for you, click here for more information