Retire with confidence. Live with peace of mind.
Explore retirement strategies designed to protect your savings from market losses, create reliable income, and help provide greater financial security throughout retirement.
RETIREMENT & ANNUITIES
What are annuities?
Protection and growth for the retirement you've worked for.
Protection from Market Losses
Certain fixed and fixed indexed annuities protect your principal from direct market losses, helping provide stability during volatile markets.
Tax-Deferred Growth
Interest grows tax-deferred, meaning you generally won't owe taxes on gains until money is withdrawn.
Retirement Income Options
Annuities can be structured to provide withdrawals or guaranteed income, depending on the product and strategy selected.
WHO SHOULD CONSIDER AN ANNUITY?
For those looking to protect what they've built.
Annuities may be worth considering for people approaching or living in retirement who want greater protection, predictability, or income from a portion of their savings.
Approaching Retirement
As retirement gets closer, protecting a portion of your savings from major market losses can become increasingly important.
Concerned About Market Volatility
An annuity can provide a protected portion of your retirement strategy that isn't directly exposed to market declines.
Looking for Retirement Income
Certain annuity strategies can help turn accumulated savings into dependable withdrawals or guaranteed lifetime income.
CHOOSING AN ANNUITY
What to look for…
Price matters, but it isn't the only thing to consider. Policy features, flexibility, and the insurance company behind the policy can make a meaningful difference.
Growth Potential
Understand how interest is credited, including fixed rates, index strategies, participation rates, caps, spreads, and other factors that can affect potential returns.
Liquidity & Withdrawals
Know how much you can access each year without surrender charges and how long the surrender-charge period lasts.
Income Options
If retirement income is a priority, understand how withdrawals or an optional income rider work, including guarantees, costs, and restrictions.
Financial Strength & Contact Terms
Consider the financial strength of the insurance company along with the guarantees, fees, surrender schedule, and other provisions of the contract.
HOW IT WORKS
3 Simple Steps to Secure Your Retirement
Understand Your Retirement
We'll start with your goals, current savings, income needs, risk tolerance, time horizon, and concerns about retirement.
Compare Your Options
We'll evaluate strategies and available products to help you understand the potential benefits, limitations, costs, and tradeoffs.
Build Your Strategy
If an annuity fits your needs, we'll help you select an appropriate strategy and guide you through the application and implementation process.