Annuities

Guaranteed Rates of Return.Lifetime Income.Retirement Security.

Safety means the market doesn’t control your retirement.

Interest rates and stock market prices fluctuate and cannot guarantee at what rate your savings will grow. Annuities are designed to help you achieve your goals with no surprises and provide insurance against major financial risks such as market losses and outliving your money.

Leverage the power of tax-deferral.

Savings in an annuity grow tax-deferred meaning taxes are not owed until a withdrawal is made. This tax advantage compounds growth by allowing both the principal and interest earnings to remain in the account and continue to earn interest. Tax deferral can also provide the flexibility to take income or distributions in the most tax efficient way in relation to the rest of your portfolio.

Prevent outliving retirement savings

Longevity has risk, and with rising life expectancy saving sufficiently for retirement and planning for a long life is essential. An annuity can be a key part in helping to offset the effects of inflation and risks associated with longevity.

Safe asset allocation

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Annuity Types

Annuities are one of the most reliable ways to help secure your financial future. However, there are many different types and different tools serve different purposes. We help make sense of the vast number of options to find the best contractual guarantees that match your specific needs.

Immediate

Start immediate income

A single premium immediate annuity (SPIA) provides immediate income based on a lump sum payment to the insurance company. Your investment is turned into a steady stream of income payments that begin immediately and continue for as long as you select. Income may continue for a designated period such as 20 years or for life. A SPIA is designed to make sure that your accumulated funds will go the distance into the future and can also help spread out taxable income.

Multi-Year Guaranteed

Receive guaranteed rates for a specified term

A Multi-Year Guaranteed Annuity (MYGA) offers higher fixed interest rates and is a great alternative to a certificate of deposit. The account value grows tax-deferred with no exposure to stock or bond market risk. This type of annuity guarantees both the safety of your principal and the interest earnings you will receive with a fixed interest rate applied for multiple years in a row.

Fixed Indexed

Higher growth potential for longer term investments

Fixed Indexed Annuities (FIAs) offer the possibility of higher interest rates with interest being credited based on the performance of a chosen market index such as the S&P 500. This allows the opportunity to participate in higher returns when when markets are doing well but the principal is not directly invested in the stock market. During market declines the annuity offers protection in the form of a floor or minimum guaranteed interest rate. This type of annuity guarantees the safety of your principal, grows tax-deferred, and has index linked varying interest rates.

QLAC

Create lifetime income and postpone the distribution of tax-qualified money

A Qualified Longevity Annuity Contract (QLAC) is a deferred income annuity that meets specific IRS requirements to allow you to use “pre-tax” or tax-qualified funds to purchase the annuity and defer distributions to as late as age 85.

Variable

With a variable annuity the account value and interest earnings vary based on the performance of underlying investments that are directly invested in the stock market. We do not represent variable annuities and choose to focus on solutions that offer the highest guarantees for our clients.

Custom Allocations

Individual needs are not always solved with a single solution. Several annuity contracts can be combined in a strategy known as laddering to meet multiple objectives whether it is accumulation, income, legacy, long-term care planning, or a simple and safe savings option.