Protect your savings. Plan your income.
An annuity is a contract with an insurance company that can help your money grow with protection from market losses and turn your savings into reliable income for later in life.
Ways annuities can work for you
Fixed Annuities
A guaranteed interest rate for a set number of years. Simple, predictable growth for money you want to keep safe.
Fixed Indexed Annuities
Growth potential linked to a market index, with protection so your principal isn't lost when the market drops.
Income Annuities & Riders
Options designed to create a steady stream of income, including choices that can provide income for life.
Annuities can be a good fit if you:
- Want to protect savings from market downturns
- Are planning ahead for retirement income
- Have a 401(k) or IRA from a past employer you want to reposition
- Like the idea of tax-deferred growth
- Want income you can't outlive
Good to know
Annuities are long-term products. Most have surrender periods and charges if you withdraw more than allowed in the early years, so they're best for money you won't need right away. I'll explain every term clearly so you know exactly how your money works before you decide.
Straight answers about annuities
Can I lose money in a fixed or fixed indexed annuity?
Fixed and fixed indexed annuities are designed to protect your principal from market losses. Withdrawing more than allowed during the surrender period can result in charges, which is why choosing the right term matters.
Can I move my old 401(k) into an annuity?
In many cases, yes. Funds from an old employer plan or IRA can often be moved through a rollover or transfer. I recommend talking with a tax professional about your specific situation before making changes.
What's the difference between an annuity and life insurance?
Life insurance is designed to protect your family if you pass away. An annuity is designed to protect and grow your savings and provide income while you're living. Many people use both as part of a complete plan.
How do I know which annuity is right for me?
It depends on your timeline, goals, and how much flexibility you need. On a free call, I'll learn about your situation and walk you through options that make sense.
Plan your future income with confidence.
Tell me what's going on in your life and I'll walk you through your options in plain English. No jargon, no obligation, just clarity.