Variable/Fixed Annuities

Annuities offer several benefits for investors who are saving for retirement, including tax-deferred retirement savings, a choice of fixed- or variable-guaranteed income for retirement, and investment flexibility. That's why many retirees choose to add the guaranteed income offered through annuities to the equity and fixed-income investments they may already have in their retirement portfolios.

As part of a balanced retirement income plan, annuities may be beneficial for you by creating an income stream during retirement. As you’re planning ahead for retirement, annuities offer a tax-deferred savings feature and the ability to grow your income base. If you’re already retired, annuities can generate an immediate income stream.  When you are ready to receive income from your annuity, you can choose to receive payments for the rest of your life or for the rest of your and your spouse's lives.


You may want to consider investing in annuities if you:

  • Are concerned about outliving your savings
  • Do not have a pension or other source of ongoing income to cover your expenses in retirement
  • Are interested in creating an ongoing and consistent income stream during retirement
  • Are already maximizing your contributions to your tax-advantaged retirement accounts and/or plans (e.g., IRA, 401[k], 403[b], or other employer-sponsored plan)
  • Are retired and need to create a guaranteed and immediate income stream

 Why might an independent R.I.A. be a good choice for an investor?

  • Independent RIA’s generally have affiliations with a variety of firms that assist with tax planning, estate planning, money management and more. These affiliations allow them to help their clients with complex financial needs.
  • They generally have affiliations that are free from the conflicts of interest you often see at retail brokers, independent broker dealers, or captive insurance agents.
  • The compensation of some independent registered investment advisors is directly related to growing the assets of their clients, which can benefit the advisor and client alike.


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