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Fixed index annuities
Understand how index-linked interest credits work without directly owning the underlying index.
Explore Fixed Index AnnuitiesRetirement & Annuities
Give every part of your retirement plan a purpose.
Evaluate growth, liquidity, protection, and income together—then consider whether an annuity has an appropriate role.
Your goals. Your needs. Our focus.
START WITH THE JOB YOUR MONEY NEEDS TO DO
Protection and income belong in the conversation.
Most retirement plans need to address protection and income somewhere in the plan. The question is how much—and whether an annuity is appropriate for you.
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.
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Retirement income
Consider the transition from accumulating assets to funding your day-to-day life.
Learn About Retirement Income03
Accumulation & growth
Compare the purpose of longer-term resources with the need for ready access to cash.
Explore AccumulationEvery strategy has a trade-off.
Contractual protection can come with limits on upside and liquidity. Optional benefits can have costs. A retirement decision should account for what you gain and what you give up.
The whole picture comes first.
We look at your financial life much like a business owner looks at a balance sheet and income statement. What you own and what you owe matter. So do what comes in, what goes out, and the responsibilities that do not appear on a statement.
We consider both quantitative needs—the numbers—and qualitative needs: the people, priorities, and concerns behind them.
What you ownAssets, savings, retirement resources
What you oweLiabilities, mortgage, other debt
What comes inIncome, pensions, Social Security
What goes outExpenses and future obligations
What you needLiquidity, insurance, income
What you wantGoals and personal priorities
What you protectFamily, business, legacy
What comes laterTime horizon, risk, longevity
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 GOALS. YOUR NEEDS. OUR FOCUS.
Schedule a Conversation 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.