An annuity turns savings into a stream of income. Any guarantees depend on the insurance company that issues the contract, so the details matter.
We walk you through fixed, indexed, and immediate annuity options, explain the trade-offs in plain language, and help you pick the structure that actually fits your timeline and goals.
No pressure, no jargon. Just a clear look at whether an annuity belongs in your plan.
Who this is for
People approaching or in retirement who want to understand income options before committing savings to one.
What we look at
Fees, surrender periods, and what it costs to get your money out early
How income is calculated and how long it is paid
How any guarantee works, and which company stands behind it
Taxes, and any penalties for withdrawals before retirement age
Questions worth asking at your next review
- What are the total fees and the surrender period?
- What exactly is guaranteed, and by whom?
- What happens to the money if I need it early, or if I pass away?
Not sure of the answers? That is what the conversation is for. Les will walk through your current coverage with you.
