Annuities

Annuities are complex financial instruments, but when used in conjunction with a financial plan and investment strategy they can be powerful tools. There are a lot of reasons to consider annuities but we would like to discuss those with you one on one.

Investing

Annuities have evolved to allow for investors to hedge their risk with buffers or protections against market volatility or RMD's.

Complexity

Annuities can be extremely complex, with different investment strategies, riders, fee structures and surrender schedules. Annuities need to be thouroughly reviewed to ensure they make sense for your plan and financial situation.

Income

Think of annuities like a personal pension. Whether by purchasing an income rider for more flexibility or annuitizing your investments you can generate a guaranteed source of income in retirement.

Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

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What's New for Social Security?

There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement.

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