Retirement Planning & Annuities
Fixed and indexed annuities are tools I use to turn retirement savings into something steadier and more predictable. They are issued by insurance companies and are built to do two main jobs: grow your money during your working years, then pay you an income in retirement you can count on.
In the accumulation phase, you can fund an annuity with new contributions, roll over money from an existing 401(k) or IRA, or both. Many clients choose to move a portion-not all-of their retirement accounts into an annuity to reduce their exposure to market swings. Fixed annuities credit a set interest rate, so you know exactly what your minimum growth will be. Indexed annuities tie their potential interest to a market index, giving you upside potential with a safety floor that guards against market losses.
Later, when you are ready to retire, you can convert that accumulated value into a stream of income. Depending on the option you choose, that income can last for a set number of years, for your lifetime, or even for both you and a spouse. For many people, this feels a bit like creating a private pension out of the savings they have worked hard to build.
Growth inside an annuity is tax-deferred, which means you are not paying income tax on the gains each year. Instead, you pay taxes as you draw money out, often during retirement when your tax bracket may be lower.
Because annuities come in different designs and time frames, part of my work is helping you decide whether a fixed or indexed approach fits you best, how much of your 401(k) or IRA-if any-should be moved, and what kind of payout structure aligns with your retirement plans, risk comfort, and need for steady income.
In the accumulation phase, you can fund an annuity with new contributions, roll over money from an existing 401(k) or IRA, or both. Many clients choose to move a portion-not all-of their retirement accounts into an annuity to reduce their exposure to market swings. Fixed annuities credit a set interest rate, so you know exactly what your minimum growth will be. Indexed annuities tie their potential interest to a market index, giving you upside potential with a safety floor that guards against market losses.
Later, when you are ready to retire, you can convert that accumulated value into a stream of income. Depending on the option you choose, that income can last for a set number of years, for your lifetime, or even for both you and a spouse. For many people, this feels a bit like creating a private pension out of the savings they have worked hard to build.
Growth inside an annuity is tax-deferred, which means you are not paying income tax on the gains each year. Instead, you pay taxes as you draw money out, often during retirement when your tax bracket may be lower.
Because annuities come in different designs and time frames, part of my work is helping you decide whether a fixed or indexed approach fits you best, how much of your 401(k) or IRA-if any-should be moved, and what kind of payout structure aligns with your retirement plans, risk comfort, and need for steady income.
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