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ANNUITIES

What is an Annuity?

Retirement is your opportunity to live your dreams. An annuity can gaurantee income for the rest of your life, so you can enjoy your golden years not worring about the finances. With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. An annuity is a secure investment that can gaurantee income for your retirement.

Why is an Annuity so important?

Retirement planning can be a bumpy road. Don't spend it on a modest income or, even worse burdening your family financially. Without the right investment vehicle, you may out live your savings or suffer a lower quality of life to make ends meet. The government doesn't make it easy, either. Taxes, Medicaid, estate planning, and a variety of other factors add to the uncertainty, putting your financial security in question.

Retirement planning doesn't have to be a hassle. With a variety of providers and options available, your annuity can be customized to meet your retirement income goals without exceeding your budget.

What is a Tax-Deferred Annuity?

401(k)s and IRAs are great for avoiding high taxes while saving for retirement, but there are limits on how much you can save. A tax-deferred annuity gives you another way to save that doesn't have thes contribution limits, allowing you to save more and live better throughout your golden years.

Why is a Tax-Deferred Annuity so important?

Taxes cab be a real drain, especiallly if you're in a higher tax bracket. Like it or not, that's money you'll never see again. Unfortunately, sponsored retirement savings plans have built-in restrictions, which can keep you from reaching your retirement income goals.

A tax-deferred annuity is the perfect compliment to existing retirement savings. you can defer more for later with fewer restrictions, all the while avoiding high taxes just as effectively as a 401(k). Instead of living within your means, you can look forward to retiring with confidence and security.

What is an Income Annuity?

Many retirement options involve a limited, depleting lump sum to live off for the rest of your life. As people live longer and government retirement benefits become less reliable, the chance of you outliving your nest egg is more likely every day. An income annuity can gaurantee you a regular, pension-like income for the rest of your life.

Why is an Income Annuity so Important?

Retirement is a time to reward yourself for a lifetime of work. How do you want to spend it? Do you want to count the years and budget your savings sparingly? Worse still, fo you want to live well and run the risk of exhausting your savings early?

Of course not. You want to enjoy your retirement, not spend it worrying about the finances. An income annuity let's you do just that. With a gauranteed paycheck every month for the rest of your life, you can make your golden years truly golden.

What is an Annuity Exchange?

Investing for the future is not a one-sep process. If you aren't reevaluating your investments from time to time, you might be losing out. An annuity exchange allows you to shift your existing annuity product into a better offering.

Why is an Annuity Exchange so important?

Many older annuities leave a lot to be desired. They can be confusing, complicated, or difficult to manage. Worse still, they may incur high management fees or limit your investment options, essentially undercutting your return. With thousands of potential retirement dollars on the line, are you sure you're getting the most out of your annuity?

An annuity exchange gives you the power of choice. See an annuity product that you like better? You can roll your existing annuity into a new one to get the better deal. Managing multiple retirement assets? You can consolidate them into one for ease of management and superior returns. By trading up to a better annuity, you're trading up to a better retirement.

Is Your Money Safe?

The market is always changing, even though 401(k)'s, CD's, IRA's are a step towards preparing for your retirement. However, Annuities are the safe way to go!

If you ever ask yourself, is my money safe? If you really want to gaurantee your income for your retirement? Your income, that you can be worry free and that can gaurantee you for the rest of your life, no matter what happens! Our team of highly skilled insurance agents will help you determine the options you have available to safeguard what works best for you and your family. Everyday is precious, contact us for a free quote today!