Annuities

No two retirement journeys look the same. Some people head into retirement with a well-funded nest egg, while others will depend more heavily on Social Security and other income sources. No matter where you stand, annuities can be a powerful way to help fund your retirement, protect your principal, and create a steady stream of income you can count on for life.

Annuities come in many forms—whether you want guaranteed income, principal protection with growth potential, or a way to leave a legacy for your loved ones. With the right strategy, they can play a valuable role in your overall retirement plan.

Why Annuities Matter

For many nearing or in retirement, market volatility can be unnerving. Watching your investments swing up and down can make it difficult to plan your lifestyle with confidence. Annuities offer a way to add stability and diversification to your portfolio by providing income that isn’t tied to daily stock market movements.

They also bring peace of mind. With certain types of annuities, you know exactly how much income you’ll receive and for how long—helping you cover essential expenses no matter what the market does. And if you feel like you’re behind on savings, annuities offer flexibility: there’s no annual contribution limit for after-tax dollars, allowing you to put more toward retirement at any stage.

How We Help You

Used strategically, annuities can be a powerful retirement income tool. Our team works with you to:

• Evaluate fit for your plan – We’ll review your entire portfolio to see if annuities can enhance your income strategy and reduce exposure to risk.
   
• Select cost-effective options – Not all annuities are created equal. We identify products that offer competitive benefits while keeping costs in check.
   
• Leverage tax advantages – Certain annuities allow you to defer taxes on growth until you’re in a lower bracket, helping you keep more of your income.
   
• Build flexibility – We choose products that let you adjust your investments over time without triggering unnecessary taxes.
   

Our goal is simple: to help you create a reliable income foundation so you can enjoy your retirement with confidence.

A reliable retirement income starts with the right plan.

Let’s explore how annuities could give you the stability, security, and peace of mind you deserve.

Contact Us

*There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.

*Investors should consider the investment objectives, risks, and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact the issuing firm or your registered representative to obtain a prospectus, which should be read carefully before investing or sending money.