Annuity Solutions

Annuities can provide you coverage for all conditions

When approaching anything in life there is intrinsic amount of uncertainty with an element of risk built in, you take as many precautions as possible to protect yourself and your family. Whether it be an umbrella on a rainy day or a blanket to keep you warm, wouldn't you want to do the same for your retirement?

Annuities are designed for long-term retirement planning. When you purchase an annuity, you are likely focused on long-term growth - but annuities also provide a death benefit to help protect your beneficiaries prior to annuitization.

We work with various, reputable variable annuity providers who have products built as long-term investment solutions specifically designed for retirement savings. Annuities can and will open doors for your retirement by addressing potential challenges such as inflation, taxes, and longevity, as well as market volatility.

Variable annuities can offer you:
  • Lifetime income - There are several options for taking income, including an income stream for life depending on the product that is chosen to meet your needs.

  • Flexibility - As an example, one of our preferred annuity providers, Lincoln ChoicePlus AssuranceSM variable annuity, can meet your individual needs by customizing your contract through investment allocation, withdrawal options, and adding or canceling optional features.

  • Optional protection features - With many annuity options available today for an additional charge, you can elect optional features that protect your minimum future income from market volatility, ensure growth, and provide lifetime income with the flexibility to take additional withdrawals.

  • Tax-deferred growth - Your investment grows tax-deferred, and your income tax bill isn't impacted until withdrawals are made, allowing for greater growth potential.

  • Death benefits - Your savings in an annuity can be transferred to beneficiaries. Keep in mind that variable annuities are subject to market fluctuation, investment risk,and possible loss of principal. Variable annuities also have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge, and guarantees are backed by the claims-paying ability of the appropriate issuing company. Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% penalty if taken prior to age 59½. Past performance cannot guarantee future results.

How will you respond to retirement's questions? Kyle can help. When you stop to ask the questions, you take the time to get the answers. And when it comes to your retirement, asking questions today could help you create the retirement you've always imagined tomorrow. Call our offices to begin the discussion.