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The two biggest financial fears for most retirees are losing money and running out of money. Avoiding loses, especially large ones, is 90% of a financial professional’s job. Loses in the pre-retirement and early retirement years will devastate a retirement income stream and may be irreparable. Unplanned income withdraws and fund loses will increase the probability of running out of income.

Annuities provide alternative vehicles which have contractual guarantees that can insulate the owner from outliving their income, even if they deplete their “bucket”.


Nest egg predators like taxes, inflation, health care costs, long term care, unexpected losses and expenses, will reduce the available funds. Most annuities will offer a variety of investment options with the potential to help keep pace with income needs over the long term.





Retirees need to have their assets grow more than their withdraw and loss rate. Every year taxes, inflation, management fees and charges, market volatility, low interest rates and their account withdraws, will deplete their nest egg. Years ago when interest rates were higher, even bank CDs were a viable tool for retirement accounts. Since many retirees have little to zero risk tolerance, annuities can provide more protection for a large portion of a retirement portfolio, and give more peace of mind to the market investment portion of their accounts.

The growth potential in an index annuity is in the double digits with a historical growth record around 6% per year. The features, benefits, riders and guarantees of an annuity can be instrumental in increasing the willingness of people to invest larger portions of their retirement funds into annuities.

 Most retirement accounts are subject to taxes like income taxes, capital gains taxes, state taxes, capital gains taxes, dividends and interest, estate taxes and more.

With regards to taxes, annuities have two unique advantages. One is that Non-qualified money will grow tax-deferred and be added to the compounding growth effect of the account. The second is that the non-qualified money will provide tax advantaged income during the distribution stage of retirement. This feature of annuities will provide options that may be used to minimize many forms of taxation for non-qualified money.

Life expectancies today are greater than ever because of our available healthy food, the unending advancements in modern medicine and the booming technology in medical procedures and applications. When Social Security was first enacted in 1933, the average life expectancy for a male was about 59 years old…and yet Social Security didn’t start paying benefits until age 62!

Since males today have an average life expectancy of approximately 85 years old and it’s predicted that by the year 2030, more than two-thirds of the U.S. population will be above the age of 60.  The boomer generation will need a much longer period of income distribution. This is where the guaranteed retirement income plans using Annuities, are proving to be so vital in providing peace of mind with lifetime streams of income.

Along with good growth, one of the most

essential functions of a successful retirement plan is that it never runs out of money. Annuities are able to provide a guaranteed income for life and they are able to do that and still have the owner maintain control of the instrument. The owner has control over the accumulation phase as well as the distribution phase of the annuity. They can still choose how and where to invest their funds in their annuity and make changes as desired each year as the rates are adjusted annually.

Another factor for a senior is to maintain access to the funds in their accounts. Proper retirement planning includes having an emergency fund available for those unexpected events which may cause severe changes to a plan. Because of this possibility, most retirees do not want their account monies locked up. They want to have easy access and quick liquidity available for them. Annuities offer this with the functions of the account. However, there will be a surrender fee charged if you withdraw too much from the account in early years. That’s why an emergency fund is vital to a retirement plan as well as the income stream that an annuity will provide. Using a well planned retirement design will easily help to avoid any surrender fees which will also maintain the needed income stream for life.

Many retirees like to “downsize” their home and consolidate all of their personal belongings, as well as their investment accounts. Annual statements and account reviews reduce and simplify planning and tracking. The result will be far less stress and worries, reduced number of financial statements and maybe even more success at growing your retirement nest egg. This is possible because of no losses with the annuities and you can get a reasonable amount of growth in the account. This is accomplished with a fixed rate of return, an index rate, and if you use an Income Rider, it will help you build your own personal pension like retirement account to pay throughout your lifetime.

Many retirees look forward to a long and wonderful, vacation like life style. This could include things like sports, shopping, traveling, donating time and money, dining out more often, spending more time with friends and families, and working with hobbies. The one thing that most retirees don’t want to be worrying about is their nest egg funds, the Market’s performance or their broker. With annuities, they are primarily purchased with the help of licensed professionals. The annuities may only need an annual review to look at the performance of the account, and with the guarantees, there will never be a loss to account value, outside of the withdraws. These professionals will be a valuable resource for their investment opinions and recommendations. They may help the retiree monitor their retirement plan and make minor changes annually at the owners request and consent. This provides a much less stressful retirement and allows for more peaceful sleeping.

One desire of many retirees is to be able to pass on a legacy to their spouse, heirs or charities. Annuities offer the ability to pass on the balance of their accounts in a very efficient way. The accounts have the guarantee of principal feature, as well as the accumulated interest each year. With the death of the account owner, all of the balance of funds in the account will be passed on to the beneficiaries, which is done very quickly by the insurance Carrier without any fees or charges. Generational Wealth Transfer can be accomplished with tax efficiency and tax advantages.


Account Growth Potential

Safety Features

Potential Account Growth

Tax Advantages

Lifetime Income

Owner Control

Access to Funds

Reduction and Simplification

Advisor and Staff Support

Legacy Design

America's Retirement Reality Check by Nancy Ellis and David Ellis


The problem is 57% of American workers have saved less than $25k for retirment, and 28% have saved less than $1,000.


There are solutions that will help you protect your life, your retirement, and your legacy.  

Take the fear and unknown out of the equation and put retirement securely within your reach.

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