Growth has a role.
So does the time you need it.
Consider growth potential alongside the need for liquidity, contractual protection, and the future purpose of your savings.
Your goals. Your needs. Our focus.Separate near-term money from long-term resources.
Money for an emergency, a major purchase, or a near-term obligation has a different job from money intended for retirement years away. Time horizon helps determine how much uncertainty and how many access restrictions may be acceptable.
A fixed index annuity may be evaluated for a portion of longer-term resources. Its interest credits depend on contract terms and may trail market returns. Surrender restrictions make it an unsuitable substitute for a readily accessible emergency reserve.
Evaluate the source of potential growth.
A fixed account may offer a declared interest rate for a specified period. Indexed strategies use a contract-defined calculation tied to an external index. Neither should be compared to owning the index without accounting for the differences in risk, liquidity, fees, and taxation.
Avoid an all-or-nothing decision.
An annuity doesn’t have to be your whole retirement plan. Some people may have no appropriate annuity need. Others may benefit from a modest protected-income allocation. Someone else may have a larger income-planning need.
There is no universal percentage. The decision depends on your income, expenses, assets, liabilities, debt, time horizon, liquidity, risk tolerance, retirement and legacy goals, health and longevity considerations, and existing resources such as Social Security, pensions, and other investments.
Annuities are long-term insurance contracts and are not suitable for everyone. Surrender periods, surrender charges, withdrawal restrictions, fees, and tax consequences may apply. Guarantees are subject to contract terms and the claims-paying ability of the issuing insurance company. Product features and availability vary by carrier and state.
Your next chapter starts with a conversation.
Tell us what matters to you. We’ll begin with your goals, your needs, and the questions on your mind.