Annuities
Turn savings into a paycheck you can't outlive.
What is an Annuity?
An annuity is a contract with an insurance carrier that turns a portion of your savings into guaranteed income — either now or later in retirement. Your principal is protected, growth is tax-deferred, and you can structure income to last your entire lifetime.
Common annuity types
We'll help you match the right structure to your retirement timeline.
Why people choose Annuities
- Principal protection — you can't lose your original deposit to market drops
- Tax-deferred growth until you take income
- Guaranteed income for life, no matter how long you live
- Predictable retirement paycheck alongside Social Security and savings
Common questions.
Is my money locked up forever?+
No. Most annuities allow annual free withdrawals (typically 10%) during the surrender period. After that, you can access all of it. Immediate annuities work differently — they convert a lump sum into income right away.
What happens if I pass away?+
Depending on the contract, your beneficiary receives the remaining account value or continued income payments. We'll structure it so nothing is lost.
How is this different from a 401(k) or IRA?+
A 401(k)/IRA is an account. An annuity is a contract that turns money into guaranteed income. Many people use annuities alongside their retirement accounts to secure a portion of their income for life.
Want retirement income you can count on?
Book a free call and we'll map out what guaranteed income looks like for your retirement.