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We offer investment options that are designed to provide stability and guaranteed* income. This can be achieved through annuities. Recently, many new options have been added to annuities that provide flexibility in the area or income and withdrawals without penalties.

 

Fixed Annuities Plans*


Fixed Annuities

As clients accumulate assets, investment strategies need to be refined and diversified. Especially as clients get closer to retirement, they can consider allocating a portion of their portfolio to a fixed annuity. This may provide stability to the portfolio since the annuity value will not be affected by equity market volatility.

Fixed Annuities

Fixed annuities will pay a guaranteed rate of interest for a set period of time. Guarantees are based on the financial strength of the insurance company that offers the annuities.

Fixed Annuities

Fixed annuities can provide a death benefit to beneficiaries. Fixed annuities can also provide guaranteed income when the owner decides to start the payments. All guarantees are based on the claims paying ability of the issuing company.

Fixed Indexed Annuities Plans*


Fixed Indexed Annuities (FIA)

FIA can also provide stability for a portion of a client’s portfolio and guaranteed income.

Fixed Indexed Annuities (FIA)

FIAs offer a minimum guaranteed interest rate combined with an interest rate linked to a market index.

Fixed Indexed Annuities (FIA)

A client invested in FIAs will benefit from any possible equity market growth, but will not have his accumulated value decreased by equity market declines. This is a good option for clients looking to get a possible higher return on annuities compared to fix annuities.

*Annuities are long term investments designed for retirement purposes. It is a contract between you and an insurance company. You make a lump-sum payment or series of payments and in return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.  While taxes are typically deferred on earnings growth, when withdrawals are taken from the annuity, gains are taxed at ordinary income rates, and not capital gains rates. If withdrawals are taken prior to age 59 1/2, a 10% federal tax penalty may apply and early withdrawals may be subject to withdrawal charges.
*All guarantees are based on the claims paying ability of the insurance company.

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