Retirement with greater confidence
Annuities may help address selected retirement-income and principal-protection goals while reducing some uncertainty created by longevity and market volatility.
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A fixed annuity credits interest according to rates and guarantees stated by the issuing insurance company. It may suit people who value stability, tax-deferred accumulation, and protection from direct stock-market losses, subject to contract terms and surrender periods.
A fixed indexed annuity credits interest using a formula linked to one or more market indexes without directly investing your premium in the index. Interest potential is affected by caps, participation rates, spreads, and crediting methods.
Depending on the contract, an annuity may offer income for a chosen period or for life. Optional income riders may involve additional costs and specific rules. We explain account value, income-base calculations, withdrawal benefits, and annuitization.
We consider your retirement date, other income sources, liquidity needs, emergency reserves, tax status, time horizon, legacy goals, and comfort with restrictions. An annuity should be evaluated as part of your overall retirement picture.
We help you compare relevant features, guarantees, limitations, surrender schedules, and income choices in plain language so you understand both the benefits and trade-offs.
Annuities are insurance products. Guarantees depend on the issuing insurer’s claims-paying ability. Withdrawals may be taxable and may incur surrender charges and federal tax penalties. Indexed interest does not equal stock-market returns.
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Bring your questions, current statements, and retirement goals to a clear, educational conversation.
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