Indexed Annuities

When discussing retirement for our clients, we believe these are some of the key components to consider: safety, principal protection, market risk, fees, income generation, tax-efficient growth, and inflation. There are lifetime income riders and bonus offerings that may work to provide income benefits for life and additional income in case of medical confinement. Having part or some of the client’s assets in a place that provides lifetime income without the risk of market volatility is key. These are some of the fundamental features of indexed annuities and why having the option to include them as part of your financial picture is important.

With people living longer due to better health, diet, and nutrition, it is very important to address longevity when it comes to retirement. Outliving your income due to poor investments, market risk, fees/expenses, or overspending based on your age limits can greatly impact your life’s savings. One of the biggest fears people have upon retirement is not death, but running out of money! Indexed annuities can help manage risk and offer lifetime income potential, but they also come with limitations like surrender charges, caps on returns, and fees. Weigh both benefits and drawbacks to decide if they fit your retirement needs.

 

Make sure your money is in it for the long haul.

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