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Indexed Annuities

Key Indexed Annuity features

1. Indexed annuity products can offer a return that is tied to the rise and fall of an index such as the Standard & Poor's top 50 stocks or the small cap index, gains can also be locked in regardless of market volatility.

2.Their will be a floor or limit if the markets go down you will not gain anything but you will not lose your principal either.

Tax-deferred investment growth

No IRS contribution limits, 

At the end of the rate guarantee period, your options may include:

  • Renewing or exchanging your annuity.

  • Moving the assets to an IRA (for pre-tax dollars only).

  • Using the assets to generate an income stream.

Indexed annuities are one of the easiest products to understand in the Annuity family. Once you can provide an insurer or annuity provider with (X) or certain amount of income, the annuity provider will provide you with a contract guaranteeing you a larger portion after a predetermined period of time with no risk.  Investors looking for a tax-deferred investment with a fixed rate of return will find fixed annuities safer and much more rewarding than a banks with low yielding Certificates Of Deposit (C.D.)s. You can learn more through requesting our free planning guide.


Too often the retirement planning conversation focuses on accumulation - growing the pool of savings to have a larger pool to “draw down” in retirement. But this model forgets one important fact: the need for regular, reliable monthly income — income you can budget on – doesn’t go way when you retire.

Finding the right investment choices nowadays is easy when you have the right professionals to help you understand the many choices available to you and what they can do to help you at this point in your investment or retirement strategy. 

 Ask your financial advisor for help in calculating your expected monthly income in retirement. Ask your financial advisor for help calculating your accumulated savings, so you have an idea of how much income you can generate and how long that might last. And don’t forget to take into account future issues, such as rising prices and unforeseen health-care expenses.

Ask us here to help calculate your expected monthly income based on current investments and other sources of income, like Social Security, 401K, 403Bs,and identify if there is a gap in your planning strategy. Then you should discuss how much of that income can or should be protected or shielded from potential changes due to market downturns.

What if your expected monthly income is less than what you need to retire with and last a lifetime?

If income from your current savings and investments, when combined with Social Security, is not enough to meet your monthly retirement income needs and you are concerned about outliving your retirement savings,  One of the best solutions is to consider an annuity, which can provide protected monthly income to supplement your savings and investments and Social Security.

There are a wide range of different types of annuities, all of which offer protected lifetime income. With certain annuities, expanded optional income protection is available for an additional cost. Ask for a personalized illustration to determine if the benefit of protected income is valuable to you. What if I need access to my money in an annuity? With all investments, it is important to consider when you will need to access your money. Some annuities carry withdrawal or surrender charges that may limit when you can access your money without incurring a charge. Be sure to ask how this works. Be sure to ask what, if any, costs are associated with withdrawing money early; for example, in the case of unexpected expenses such as health care or long-term care needs. If you want protected income to be received right away, make sure you understand all your options. Some annuities can also protect your principal from losses.

How do you know that your protected income is safe? All insurance companies have a rating for financial strength provided by rating agencies like A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

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