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Annuities


RETIREMENT INCOME AND THE TRADITIONAL PORTFOLIO

Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. In other words, experiencing negative returns early in retirement can deplete your portfolio more quickly than you planned and potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help mitigate this concern. Continue reading HERE.


There are two types of annuities* — Immediate and Deferred...

Immediate Annuities

An immediate annuity is usually purchased with a single premium and begins a stream of income within the first 12 months from the date of issue. You decide when payments will begin within that period and how long to receive income. There are two types of immediate annuities: fixed and variable.

Immediate Fixed Annuity

An immediate fixed annuity provides a guaranteed and predictable stream of income during the payout period.

Immediate Fixed and Variable Annuity

An immediate fixed and variable annuity provides a guaranteed stream of income. The variable income payments fluctuate based on the performance of the variable investment choices selected. A fixed account is also usually offered as an investment choice within this type of contract.

Deferred Annuities 

A deferred annuity is specifically designed to help accumulate assets for retirement. It also offers the ability to turn those assets into a guaranteed stream of income at some point in the future. You decide when payments begin and how long to receive income. There are basically two types of deferred annuities: fixed and variable.

Deferred Fixed Annuity

A deferred fixed annuity earns interest during the contract's accumulation period. The interest rates are set by the issuing company and are guaranteed not to be lower than the minimum guaranteed interest rate shown in the contract. A contract's accumulated assets can be converted into a guaranteed stream of income for the future.

Deferred Variable Annuity

A deferred variable annuity offers variable investment choices (and usually a fixed account) in which the contract owner can invest. During the accumulation period, the investment return and value of the annuity will fluctuate in accordance with the investments selected. A contract's accumulated assets can be converted into a guaranteed stream of income for the future.

Determining the Best Investment and/or Income Strategy for You

Each person's retirement is unique, so not every investment type will be a good fit.

First, let's find out what you are trying to accomplish. We'll discuss your current assets, expenses, sources of income, risk tolerance, time horizon, etc. These details help us design a strategy to match your personal circumstances.

View a sample Retirement Income Analysis here.

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Manage Your Finances With a Customized, Interactive Plan

Manage Your Finances With a Customized, Interactive Plan


The BEST way to design a retirement investment and income plan is to participate in on-going financial planning. 

To learn more about all of our investment, income and financial planning services, schedule a complimentary initial consultation. 


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An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. 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 1/2, a 10% penalty may apply. Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain annuity product features, offered by some 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 an 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 an Annuity if it makes sense because of the Annuities other features, such as lifetime income payments and death benefit protection. All guarantees of an Annuity are backed by the claims paying ability of the issuing insurer.