Secure Your Tomorrow with Guaranteed Retirement Income
Retirement should be a reward, not a worry. An annuity can turn the savings you've worked hard to build into a dependable stream of income, one that can last as long as you do. Whether you're decades from retirement or already counting down the days, our annuity solutions are designed to help you grow, protect, and enjoy your money on your terms.
What Is an Annuity?
An annuity is a contract between you and an insurance company. You contribute money either as a single lump sum or through a series of payments — and in return, the insurer commits to paying you income according to the terms of your contract, often for the rest of your life.
Think of it as the reverse of life insurance. Life insurance protects your loved ones if you pass away too soon; an annuity protects you against the risk of living longer than your savings.
While Social Security and pensions provide a foundation of retirement income, they rarely replace a full working paycheck. An annuity helps fill that gap combining growth potential with contractual guarantees that market-based investments alone can't offer.
How Annuities Work: 3 Simple Steps
Step 1: Choose Your Annuity
Select the annuity type that matches your goals, timeline, and comfort with risk.
Step 2: Fund Your Contract
Make a one-time payment or contribute over time. Your money grows tax-deferred until withdrawal.
Step 3: Receive Your Income
Convert your accumulated value into regular payments for a set number of years or for life.
Why Choose an Annuity?
Tax-Deferred Growth
Your money compounds without annual tax drag. You pay taxes only when you withdraw, which may be at a lower rate in retirement.
Guaranteed Lifetime Income
Create a "personal pension" predictable payments you can't outlive, no matter how long retirement lasts.
Principal Protection Options
Certain annuity types shield your principal from market downturns, so a bad year on Wall Street doesn't derail your plans.
Legacy Planning
Many annuities include death benefit provisions, allowing you to pass remaining value directly to your beneficiaries — often bypassing probate.
Types of Annuities We Offer
Annuities range from conservative to growth-oriented. Here's how they compare:
Immediate Annuities
Income that starts right away. Exchange a lump sum for guaranteed payments beginning within a year ideal for retirees who want predictable income now. Payments can continue for a fixed period or for as long as you (and your spouse) live.
Fixed Annuities
Steady, predictable growth. Earn a guaranteed interest rate for a set term, with your principal fully protected. A simple, low-risk way to grow savings tax-deferred and lock in certainty.
Fixed Indexed Annuities (FIAs)
Market-linked growth with downside protection. Your interest is tied to the performance of a market index. without directly investing in stocks. If the index rises, you earn interest; if it falls, your principal stays protected. Optional riders can add benefits like lifetime income or enhanced death benefits.
Registered Index-Linked Annuities (RILAs)
Higher growth potential, controlled risk. Track a market index with built-in buffers or floors that limit but don't eliminate losses. Because you accept some market risk, RILAs typically offer greater upside than fixed or fixed indexed annuities.
Variable Annuities
Full market participation. Invest directly in professionally managed sub-accounts, similar to mutual funds. Variable annuities offer the highest growth potential of any annuity type, along with the highest risk. best suited for investors with a longer horizon and higher risk tolerance.
Why Fin Advisor?
Frequently Asked Questions
Are annuities safe?
Annuity guarantees are backed by the claims-paying ability of the issuing insurance company. That's why we only work with highly rated, financially strong insurers.
When can I access my money?
Most annuities allow penalty-free withdrawals of a portion of your value each year. Withdrawals before age 59½ may incur IRS penalties, and surrender charges may apply during the early contract years.
How are annuities taxed?
Growth is tax-deferred. When you withdraw, earnings are taxed as ordinary income. If you fund an annuity with qualified money (like an IRA), standard retirement account tax rules apply.
Testimonials
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Let's Build Your Retirement Income Plan
Every retirement is different and so is every annuity strategy. Our licensed advisors will review your goals, income needs, and risk tolerance to recommend the right solution, with no pressure and no obligation.