Annuities
What Are Annuities?
Annuities are financial products that turn your savings into a steady, reliable income — often used to help with retirement. Think of them as a way to create a predictable paycheck for the future.
They’re offered by insurance companies and can be customized to your goals, whether that’s lifetime income, tax-deferred growth, or protecting your family.
In short, annuities are a way to turn savings into security — so you can focus more on enjoying life, not worrying about outliving your money.
How Annuities Work.
With an annuity, you make either a lump-sum payment or a series of contributions, and the insurance company provides income payments back to you — either right away or later in retirement.
Common types include:
Fixed Annuities – Steady, guaranteed payments.
Indexed Annuities – Growth tied to a market index, with protection from downturns.
Annuities can help bridge the gap between what you’ve saved and the income you’ll need to live comfortably in retirement.
Why It Might Be Right for You.
An annuity could be a smart choice if you want:
Peace of mind with guaranteed lifetime income.
Tax-deferred growth until you withdraw your money.
Flexibility to leave a legacy for loved ones.
Protection against outliving your savings.
For many, it’s not just about dollars — it’s about security, independence, and knowing the essentials will always be covered.
Why Work With Me, Your Local Advisor.
Annuities can feel complex, with lots of fine print. My job is to simplify it. I’ll walk you through the differences between options, help you avoid costly mistakes, and make sure your choice supports your retirement goals.
Here’s what that means for you:
Straightforward explanations in everyday language.
Independent advice focused on your needs, not one company’s products.
Personal guidance from someone local, available when questions come up.