We are always reading articles reminding us that social security is often not enough to support our needs in retirement. No one should be financially caught off-guard when they retire, which is why it may be of interest to you to think about a Fixed Index Annuity as an option. An FIA can offer a steady, guaranteed (backed by the claims-paying ability of the carrier) lifetime income stream, while protecting your principal from the uncertainty of market volatility. It might be a broader way for you to save for your retirement. Call us, we’re happy to explain all the features

This recent article (click here to read) is about what key features to consider when choosing a fixed index annuity during a time of market unease. It helps us to understand details like how FIAs can help act as a source of guaranteed income, even when the markets are declining.  Reading the article provides tips on some important questions to ask, and what to consider when deciding whether or not an annuity is right for you. Call us if you’d like to discuss this further. We’re always here to help.

We all remember our school days of worrying about the grades we would receive. What does it mean when an insurance company gets graded? Insurance companies are rated with a letter grade to indicate their ability to meet their continuing obligations. An A+ rating means that they are considered superior. You will usually also see that they are a leading provider of retirement solutions: Fixed and variable annuities Life insurance for individuals Those are the carriers you can count on, just like you can count on us. Contact us, we’re always here to help.

A fixed indexed annuity is a type of annuity contract between you and an insurance company. It generally promises to provide returns that are based on a link to the performance of a market index. You usually make one initial lump sum payment to the insurance company. That payment is then allocated to one or more indexed investment options that you select. The insurance company then credits your account with a return that is based on those indexed investment options’ returns.  If the indexed investment option declines due to market losses, you are never credited with the losses, which means

We try to educate our clients on annuities. Sometimes, it’s a good idea to review the basics. Click here to visit our annuities page. We’ve outlined information such as the different types of annuities, the nature of the underlying investment, the primary purpose of an annuity, the nature of the payout commitment, the tax status and the premium payment. It’s important to stay educated on annuities if you’re considering purchasing one. You can also reach out to us so we can discuss them with you and answer your questions.