Annuities
Annuities
Guaranteed retirement income — fixed, indexed, or deferred.
What it is
An annuity is a contract with an insurance carrier that converts a lump sum or series of payments into guaranteed future income. Depending on the structure, it can grow tax-deferred and protect against outliving your savings.
Who it’s for
People nearing or in retirement who want a portion of their savings to produce predictable income — and want it insulated from market drawdowns.
What you get
- Fixed, fixed-indexed, and deferred-income variants
- Tax-deferred growth during accumulation
- Income options that can last for life
- Some carriers offer principal protection on indexed contracts
Common questions
What's the difference between fixed and indexed annuities?
A fixed annuity credits a set interest rate. A fixed-indexed annuity credits interest tied to a market index, with a floor (typically 0%) and a cap or participation rate. Both protect principal; indexed offers higher upside potential with more variability.
Will I lose access to my money?
Annuities trade liquidity for guarantees. Most allow penalty-free withdrawals up to a percentage each year; larger withdrawals during the surrender period may incur charges. We'll only recommend a structure that fits your liquidity needs.
Not sure if Annuities is the fit?
Take a minute to tell us what you’re trying to do, and we’ll point you to the product (or combination) that makes sense.