Client Resources

Retirement Investing & Annuities


As part of a comprehensive retirement program we often recommend that our clients add fixed index annuities to their investment portfolios. These products can substantially reduce, or completely eliminate, market risk and provide predictable income. Below are some frequently asked questions and reasons why we believe retirement investing should include fixed index annuities. 

What is an annuity?

An annuity is a contract between you and an insurance company that allows your earnings to grow tax-deferred. Annuities are a popular choice for investors who want to receive a steady stream of income in retirement. The income you receive can be paid out monthly, quarterly, annually or even as a lump sum payment. If you choose to defer the income then your money will grow tax-deferred based on the annuity rate.

What can an annuity do for me?

Growth potential – A fixed index annuity has the potential for higher earnings than a traditional fixed annuity with a guaranteed minimum rate. There’s also no direct downside market risk to your money. Your principal is protected from market fluctuations.

You won’t outlive your guaranteed income  – An annuity can help you save money on a tax-deferred basis and can guarantee you’ll receive income for life. So no matter how long you live, you won’t outlive your retirement income.

Fills in the income gaps – Sometimes pensions, IRAs and Social Security don’t provide enough income for you to live the way you want during retirement. A fixed index annuity can help supplement your retirement income.

Click on the video links below to understand annuity basics and myths. 

For additional growth and diversification requirements, we structure and manage individualized investment portfolios for our clients. Each account is designed specifically to suit the risk tolerance and objectives of each client. Below are a list of forms commonly used by our investment management clients.

Got a suggestion or complaint? We want to hear from you directly.