Everyone's retirement journey is unique—some have built up savings over time, while others may depend more on Social Security or government programs. No matter your starting point, annuities offer flexible solutions designed around your needs and can be a valuable tool for creating financial security.

Why Consider Annuities?

Market ups and downs can make it challenging to rely solely on traditional investments like stocks, mutual funds, or ETFs—especially in retirement. Annuities can help diversify your portfolio, reduce exposure to market swings, and deliver more predictable income, giving you greater peace of mind.

With many annuities, you don't have to worry about timing the market or recovering from downturns. Several offer principal protection and guaranteed income, so you can plan ahead with confidence. Plus, unlike retirement accounts with annual contribution limits, annuities allow for after-tax contributions — giving you more opportunity to grow your assets tax deferred.

How We Support You

• Retirement Income Planning: We'll review your full financial picture to see if annuities can strengthen your overall retirement plan—especially if your portfolio is less diverse.
• Cost-Effective Solutions: Not all annuities are created equal. We help you find options that deliver value without unnecessary fees to help maximize retirement savings.
• Tax-Smart Strategies: We integrate tax-focused strategies tailored to your needs - whether that's growing wealth tax-deferred, planning for a more favorable tax bracket in retirement, or protecting heirs from excessive tax burdens on inherited assets.
• Adaptable Planning: Life changes, and your plan should too. We find annuities that are suitable, in your best interest, and take your current situation and future plans into consideration.
• Legacy Planning: We use annuities as a tool to help preserve wealth and pass it efficiently to your heirs—often bypassing probate. Each strategy is tailored to align with your estate goals and family needs.

Types of Annuities & Their Purpose

Understanding the different types of annuities is key to choosing the right solution for your retirement goals. Here's a quick overview:

• Fixed Annuities: Offer a guaranteed interest rate and predictable income. Ideal for conservative investors looking for stability.
• Fixed Indexed Annuities (FIA): Provide returns linked to a market index (like the S&P 500), with downside protection. Great for those who want growth potential while minimizing market risk.
• Registered Index Linked Annuities (RILA): Similar to Fixed Indexed Annuities, a RILA is a type of annuity designed for wealth accumulation by offering growth potential tied to market indices, while providing a level of downside protection. RILAs typically offer higher index performance caps, but less protection than FIAs.
• Variable Annuities: Invested in a mix of stock, bond or blended portfolios. They often include added features for lifetime income or financial protection for your family.
• Single Premium Immediate Annuities (SPIA): Convert a lump sum into a stream of income that starts right away ‐ ideal for those needing guaranteed income now.

No matter your age or where you are in your retirement planning, the right annuity strategy may provide income, protection, and peace of mind.

* There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.
* Investors should consider their investment objectives, risk tolerance, time horizon, and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact the issuing firm or a member of our registered representatives team to obtain a prospectus, which should be read carefully before investing or sending payment.
* If you are investing in an Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances you should only consider buying an Annuity if it makes sense because of the Annuity's other features.
* An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees and for optional contract riders and benefits.