Annuities are a legitimate asset class…
"When used wisely, annuities can help you to develop a personalized income and growth strategy
We can help you understand how annuities fit into your retirement planning options. While annuities may not be for everyone, they can be ideal for people with enough liquid assets to cover living expenses & unexpected emergencies, such as medical bills.
Knowing how annuities work and…
Masters of how to use them
By taking years of advisor DNA and fusing it with our intelligent technologies, we’ve removed the guesswork from the equation.
Our ANNUITY LOGIC™ application can help you easily integrate annuity contracts into your retirement philosophy, giving you greater portfolio diversification. This is essential because annuities can help by providing guaranteed income you can't outlive & principal protections while investing1. They also help by mitigating a variety of additional financial risks such as…
- Stock Market Volatility
- Low Interest Rates
- Social Security Uncertainty
- Impact of Inflation
Keeping costs low…
"Most of the annuities we recommend have no annual or recurring fees or charges
In just a few short minutes you can speak with us and have all the information you need to make a great choice.
It's up to you to make your money last…
How many years will you spend in retirement?
According to the latest data compiled by the Social Security Administration, about one in every three 65-year-olds today will live past age 90, and about one out of seven will live past age 95. - Social Security Administration: Life Expectancy
While investing can give you the ability for faster asset growth, greater diversification and flexibility – traditional investments cannot provide guaranteed income for life1. You simply can’t be certain how the investment options in your portfolio will perform. Your account could be depleted while you still have a need for income, this is one of several unacceptable risks.
There are some things you will need to consider…
What is a safe withdrawal rate and what exactly does it mean?
It is an amount that you can withdraw safely from your assets without depleting them. We can help discover how much that is and how to best withdraw from savings and investments to help provide the best chance for sustainable income.
Knowing when to begin withdrawing from your assets is as important as knowing how much. We can help determine the right mix and the right time to begin.
With many types of retirement vehicles, you are required by law to begin making certain withdrawals by age 72 (beginning in year 2020). We can assist in devising a strategy that helps you comply, while also minimizing taxes and protecting the value of your portfolio.
Retirement takes careful planning, but unexpected expenses are a part of life; especially if you need extra money for an emergency or to cover an unplanned expense. Many investors use cash equivalents for emergency funds or upcoming major purchases. This will allow you to maintain a sound investment strategy and avoid selling-out even when the “unexpected” happens.
Additionally, a sound investment strategy also takes the ups and downs of the market into account. It recognizes that there may be losses when the market declines but seeks to take full advantage of rising markets by remaining properly allocated in good times and bad. Having a solid cash position can help you stay grounded – regardless of uncertainties that are bound to happen.
You may have multiple sources of income in retirement. Some of your income may be from guaranteed sources, such as Social Security, a pension or an annuity. And some of your income may be from non-guaranteed sources, such as your savings and investments, and other sources, which could include a part-time job or rental income. Having more guaranteed sources can reduce the overall risk that needs to be taken with investment assets.
Careful consideration should be given to the portion of your assets that need to be invested. By determining an investment mix of stocks, bonds, and cash in your portfolio—tailored to your needs for income, preservation of assets and long-term growth—you can help avoid outliving your assets.
For instance, if you need a higher degree of growth from your portfolio and can tolerate a fair amount of volatility, you might opt for a mix that has a greater percentage of stocks, while greater percentages of bonds and cash can help you with income and asset preservation needs.
Because we have huge experience…
We know about all types of annuities
And we'll do everything we can to help find the right one for you.
Income Annuities
Are insurance backed, guaranteed income1 contracts that can last as long as you live. You purchase an income annuity with one single payment and in return, can begin receiving income payments right away (usually within 12 months).
01- Payments never reduce
- Payments for life or a period of time
- Payments with a compound interest feature
Longevity Annuities
Provide you with the knowledge of what your expected guaranteed1 future income will be, at the precise time when you want it to start. When planning for the future, longevity annuities are the "go to" funding vehicle for private pensions.
02- Choose when payments begin
- Choose how long they will last
- Choose the amount you want to receive
Wealthspan: An annuity can help make sure your money lasts as long as you do.
Being certain you'll have enough money in retirement can be a bit overwhelming. Thankfully, there's an annuity type to complement nearly every part of what's missing in your financial portfolio.
QLACs
A qualified longevity annuity contract provides you with the opportunity to defer a portion of your required minimum distributions up to age 85. By deferring a portion of income to a later date, you delay paying taxes on money you may not need early in retirement. This could have a measureable impact on extending your retirement savings.
03- Create a future guaranteed1 income stream
- Available for IRA, 401k, 403b, 457 plans
- Extend start date of RMDs.
Fixed Annuities
With a Fixed Annuity, your growth will be steady through the safety of a guaranteed interest rate that is locked in for the entire period you choose – typically between 3-10yrs. A fixed annuity is a low-risk, tax-deferred product for people who always want to know how much they’ll be earning.
04- Predictable interest
- Protects principal
- Guaranteed income
Liquidity: Most deferred annuities come with annual free withdrawals of between 5-15% of the account value.
Annuities may also come with special features (riders)1 which can provide additional access to your money should an unexpected event such as death, terminal illness, long-term-care or a nursing home stay occur.
Indexed Annuities
With an Indexed Annuity, you can have market-based growth potential (gains when a chosen market index rises) and have no loss of contract value (when that same market index falls). Meant for those seeking an opportunity for safe returns greater than a fixed annuity.
05- Growth potential
- Principal protection
- Free from market risk
Index Linked Annuities
Index linked annuities can make unpredictable investment returns a thing of the past. As you near retirement, it's more important than ever to know what you can expect from your investments. These "new and improved" variable annuities are changing the way people think about investing.
06- Actual index performance to a cap
- Downside limits or risk buffers
- LOW to NO investment and contract fees
You may be wondering…
"Since annuities are long-term contracts for retirement, is an annuity right for me?
Read on below and learn more about how annuities work and can be used to improve your overall finances. You can also get answers by reaching out to one of our licensed annuity professionals. Got questions, we're here to help.
Buy An Annuity
