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Grow Your Nest Egg: Annuity Strategies for Retirement Income
Is an annuity right for you?
Annuities are often desirable to retirees who need or want to have an additional stable, guaranteed income stream in retirement that they can’t outlive. Some annuity policies can also protect your nest egg from stock market volatility, taxes, and inflation. However, annuities can be complicated, and it’s important to understand the details, how it fits with your overall retirement income plan, and the restrictions. Under the right circumstances, an annuity can be a positive addition to your retirement portfolio. Annuities typically fall into three different categories:
The annuity pays a fixed rate of return.
Fixed
The annuity pays based on the value of an external index, subject to caps, spread and/or participation rates.
Fixed Indexed
The annuity holder’s return will fluctuate with the markets and money is subject to loss of principal.
Variable
Annuity Basics
When you work with Texas Trusted Advisors, we will explain in simple terms what you should know before you buy an annuity. We offer only fixed and fixed indexed annuities to help provide stability in retirement. We will cover:
- The different types and the pros and cons of each.
- How an annuity can fit with your overall retirement income plan.
- How an annuity can provide a stable, guaranteed income for life.
- How an annuity can help protect against inflation, market volatility, and taxes.
- The various costs, fees, and restrictions involved.
- The potential pitfalls to be aware of and how to avoid them.
- Our recommendations for your specific situation.
Learn more about annuities
Are you interested in learning more about annuities? Request your complimentary Annuity Information Kit today and then schedule an appointment with us so we can talk about your specific situation.
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Interested in learning more about how we may be able to help you? Contact us to schedule a complimentary, no-obligation appointment.
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Randy Still TX License# 779061, Rachel Still TX License# 2014890
Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with Medicare, the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. We do not provide tax, legal or estate planning advice or services.
By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs. The presenters of this information are not associated with, or endorsed by, Medicare or the Social Security Administration or any other government agency.
Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Annuity withdrawals are subject to ordinary income taxes, and a potential 10% IRS penalty before age 59-1/2. Product and feature availability may vary by state.
Insurance and annuity products involve fees and charges, including possible surrender penalties. Indexed insurance products are not an investment in the market or the index. ARE-15557 | 12/28 - 17694547