Free annuity guide
Annuities 101: What to Know Before You Buy
A plain-language introduction to how annuities work, what they cost, and when they make sense. Get the free guide now, then talk it through with a licensed agent if you'd like to.
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Before you decide
Three things people often misunderstand about annuities
- Not all annuities work the same way. Fixed, fixed indexed, and income annuities are built for different jobs. Some focus on steady growth, some on protecting principal, and some on turning savings into a paycheck you can't outlive.
- Your money is committed for a period of time. Most annuities have a surrender period. Withdrawing more than the allowed amount during those years can trigger surrender charges, so an annuity should hold money you won't need right away.
- Guarantees and taxes have fine print. Guarantees depend on the financial strength and claims-paying ability of the issuing insurance company. Growth is tax-deferred, withdrawals are taxed as ordinary income, and withdrawals before age 59½ may also face a 10% federal tax penalty.
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Your Ultimate Guide to Annuities
Retirement income, simplified. This guide walks through seven steps for building financial stability and income that lasts as long as you do.
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Prefer to talk it through?
Call (251) 206-7074 or book a free conversation. We'll look at your situation and whether an annuity fits it at all.