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 Annuities

An Annuity is a unique financial product that provides tax deferral of interest and capital gains and the option of a guaranteed monthly income which you can not outlive.  Tax-deferred annuities may be a conservative addition to your retirement portfolio and can help you achieve your goal of financial security. Annuities can offer competitive interest rates and potentially lower risk. The majority of people who purchase annuities currently have a traditional retirement plan. Annuities purchased with funds outside of these "tax-qualified" retirement plans (IRAs, 401(k)s, Keoghs, etc.) provide the following benefits:

Unlimited Contributions
Qualified plans have annual contribution limits. Annuities purchased outside of these plans allow you to contribute virtually unlimited amounts.

Flexible Distributions
While the IRS requires that you begin taking payments from a qualified retirement plan by age 70½ (or face federal and/or state income tax penalties), a non-qualified, tax-deferred annuity allows you to decide when to start taking income -- and when to pay the taxes.

A Lifetime Income

When you're ready to receive income from your plan, you can choose a single payment or payments over a fixed number of years. You can also choose to receive systematic income payments guaranteed to last for the rest of your life, or even for you and your spouse's lives!