301-761-5745
Empowering Your Health and Wealth for a Stronger Future
You don’t have to worry about running out of money in retirement, annuities are designed to turn your savings into steady, reliable income throughout retirement.
Solutions & Benefits of Annuities
Create Guaranteed Retirement Income Without Market Anxiety
Annuities are designed to provide income you cannot outlive, helping protect your lifestyle even when market conditions change.
Potential Tax-Deferred Growth
Your funds in an annuity can grow tax-deferred until withdrawal, helping accumulate retirement savings over time.
Flexible Design Built Around You
Whether you prioritize growth or income, annuities can be structured to match your goals and retirement strategy.
Legacy Planning for Loved Ones
Many annuities include a death benefit option, allowing remaining funds to be transferred to beneficiaries.
Peaceful Retirement Solution
Retire With Confidence, No More Guesswork
A successful retirement is not just about savings! it is about creating a predictable plan that supports the lifestyle you want.
Ask yourself:
Do I want income that lasts as long as I do?
Am I concerned about market volatility hurting my retirement savings?
Do I want a plan that helps cover living costs without relying only on Social Security?
An annuity may help protect your income, support your financial independence, and bring peace of mind throughout retirement.
Build a Safe Retirement Income
We don’t hope for retirement! we prepare smart for it.
With the right annuity strategy, you can transform part of your savings into reliable retirement income backed by leading insurance institutions.
FAQ — Common Questions
How is an annuity different from a 401(k) or IRA?
All three help with retirement, but the structure is different.
* 401(k) / IRA: Primarily accumulation accounts that grow with the market.
* Annuities: Insurance contracts designed to provide predictable income, with the option for tax-deferred growth and lifetime income benefits, depending on the product.
Can I take money out early? Are there withdrawals?
Yes, you can access funds, but it depends on the contract.
Free withdrawal allowance: Many annuities allow penalty-free withdrawals up to a certain percentage each contract year.
Surrender charges: Withdrawals above the allowed amount during the surrender period may have charges.
Taxes: If withdrawals are taken before age 59½, IRS penalties may apply.
Do I have to wait until retirement age to benefit from an annuity?
No. Many individuals use annuities long before traditional retirement age as part of a long-term financial strategy. Each situation is unique.
Can I lose money in an annuity?
Annuity performance depends on the product type:
Fixed annuities: Provide stable, predictable growth.
Fixed indexed annuities: Allow interest growth linked to an index, while protecting from market downturns.
Variable annuities: May fluctuate with the market and carry investment risk.
A licensed agent will help determine which type aligns with your financial situation and risk tolerance.
