Fixed Annuity Solutions
Guaranteed growth and income options to protect and grow your retirement savings
Fixed Annuities
Guaranteed interest rate for a specified period. Your principal is protected, and you earn a predictable return similar to a CD but often with higher rates.
Key Benefits
- •Principal protection guarantee
- •Fixed interest rate for contract term
- •Tax-deferred growth
- •No market risk exposure
Important Considerations
- •Surrender charges for early withdrawal
- •Interest rates may be lower than market returns
- •Inflation risk over long periods
- •Income taxed as ordinary income
Fixed Indexed Annuities
Growth potential tied to market index performance with principal protection. Earn interest based on index gains while your principal remains protected from market losses.
Key Benefits
- •Principal protection from market losses
- •Growth potential linked to market index
- •Tax-deferred accumulation
- •Downside protection with upside potential
Important Considerations
- •Caps on maximum returns
- •Complex crediting methods
- •Surrender charges apply
- •Returns typically lower than direct market investment
Immediate Annuities
Convert a lump sum into guaranteed income payments that begin immediately. Ideal for creating a pension-like income stream in retirement.
Key Benefits
- •Guaranteed lifetime income
- •Payments begin immediately
- •Portion of payment may be tax-free
- •Predictable monthly income
Important Considerations
- •Loss of liquidity and access to principal
- •Payments fixed (may not keep up with inflation)
- •Limited or no death benefit
- •Irrevocable decision once purchased
Deferred Income Annuities
Purchase now, receive guaranteed income later. Lock in future income rates today while deferring the start of payments to a future date.
Key Benefits
- •Higher payout rates than immediate annuities
- •Lock in income rates today
- •Tax-deferred growth during deferral
- •Guaranteed future income
Important Considerations
- •Long wait before income begins
- •Limited access to principal during deferral
- •Inflation risk over deferral period
- •Death benefit may be limited
Interested in Guaranteed Retirement Income?
Let's review your current investments and explore if an annuity makes sense for your retirement income strategy.