Annuities
"Income for Life. Confidence for the Future."
Annuities are financial contracts issued by insurance companies that provide a guaranteed stream of income, typically for retirement. In exchange for a lump sum or series of payments, the insurer agrees to make periodic payouts—either immediately or at a future date—helping protect against the risk of outliving your savings.
They come in various forms:
- Fixed Annuities: Offer predictable, stable payments.
- Variable Annuities: Payments fluctuate based on market performance.
- Indexed Annuities: Returns are tied to a market index, like the S&P 500.
- Immediate vs. Deferred: Immediate annuities start paying right away; deferred ones grow over time before payouts begin.
Annuities can also offer tax-deferred growth and optional riders for benefits like long-term care or legacy planning.

Annuities can be a powerful addition to a wealth management strategy—especially for those seeking guaranteed income, tax deferral, and longevity protection. When used thoughtfully, annuities can complement other investment vehicles by adding security, predictability, and tax efficiency to a diversified wealth plan