You can now look forward to a retirement that could last 30 years or more. That’s a great thing. But planning for it comes with more challenges than ever before. One of the most common fears for retirees and those planning for retirement is outliving their money. So while you’re thinking about hobbies and travel, you’re also focused on healthcare costs. Volatile markets. Taxes and inflation.
We can help, with products that seek income and growth, fixed indexed annuities designed to provide guaranteed lifetime income1, and life insurance solutions that offer more kinds of risk protection along with the opportunity to build cash value.
We specialize in income strategies for guaranteed income to help you maintain your lifestyle now and in retirement. Contact us to learn more about the tools that can generate a steady stream of retirement income, increase your current savings, or leave a legacy and provide income for your heirs. Be sure to schedule a full discussion with our company about your retirement needs before making any investment decisions.
1Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.
A Fixed Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Fixed Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees and for optional contract riders and benefits. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Fixed Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain Fixed Annuity product features, offered by some Fixed Annuity companies, such as stepped-up death benefit, a bonus credit and a guaranteed minimum income benefit, carry added fees. If you are investing in a Fixed Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances you should only consider buying a Fixed Annuity if it makes sense because of the Fixed Annuities other features, such as lifetime income payments and death benefit protection. All guarantees of a Fixed Annuity are backed by the claims paying ability of the issuing insurer.
