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Discover how you could optimize your finances, reduce risks, and maximize your retirement savings with a customized annuity plan.


Annuity offers vary by state. 

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Market Volatility Protection

Defer Taxes


 Flexible Options

Multiple carrier and surrender periods available. Many options with yearly withdrawals available. 


Uniquely Tailored 

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What are some of the other benefits?

✔ Personalized Plan: Tailored strategies based on your financial goals.


✔ Tax-Efficient Strategies:  Options to defer taxes on your gains.


✔ Risk Protection: Protect from stock market volatility risks.


✔ Retirement Planning: Maximize your income options


✔ No Commitment: No pressure, just valuable insights.


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Frequently Asked Questions (FAQ) About Annuities

1. What is an annuity?

1. What is an annuity?

An annuity is a financial product that provides a steady stream of income, typically during retirement. It is purchased from an insurance company and can be funded with a lump sum or a series of payments.

2. What are the main types of annuities?

2. What are the main types of annuities?

Fixed vs. Variable vs. Indexed Annuities

  • Fixed Annuities: Provide guaranteed interest rates and steady, predictable income.
  • Variable Annuities: Payments vary based on the performance of underlying investments (stocks, bonds, etc.).
  • Indexed Annuities: Returns are linked to a stock market index (e.g., S&P 500) but with downside protection.
3. Are annuities a good investment?

3. Are annuities a good investment?

Annuities can be a great option for individuals seeking a reliable retirement income and tax-deferred growth. However, they may not be suitable for everyone, especially those needing liquidity or looking for high returns.

4. What are the risks of annuities?
  • Liquidity Issues: Withdrawing early may result in surrender charges.
  • Fees & Expenses: Some annuities have high fees, including management and mortality costs.
  • Inflation Risk: Fixed annuities may not keep up with inflation.
5. When should I consider buying an annuity?

You might consider an annuity if you:

  • Are nearing retirement and want guaranteed income.
  • Have maxed out other tax-advantaged retirement accounts.
  • Seek protection from outliving your savings.
6. Can I withdraw money from my annuity?

Yes, but early withdrawals may result in surrender charges and potential tax penalties. Some annuities allow free withdrawals up to a certain percentage annually.

7. How do annuities compare to other retirement options?

Unlike stocks and mutual funds, annuities provide predictable income and protection against market losses. However, they may have lower growth potential and less liquidity than traditional investments.

8. What happens to my annuity when I pass away?

It depends on the annuity type and contract terms. Some annuities have death benefits that pass remaining funds to beneficiaries, while others may stop payments upon death.

Still Have questions?

If you are not sure how annuities work and would like to get a consultation you can also schedule a call with one of our agent who will explain the ins and outs of an annuity.

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An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty.

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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. Nothing on this website constitutes investment, legal or tax advice, nor that any performance data or any recommendation that any particular security, portfolio of securities, transaction, investment or planning strategy is suitable for any specific person. Personal investment advice can only be rendered after the engagement of Foundations, execution of required documentation, and receipt of required disclosures. Investments in securities involve the risk of loss. Any past performance is no guarantee of future results. Advisory services are only offered to clients or prospective clients where Foundations and its advisors are properly licensed or exempted. For more information, please go to https://adviserinfo.sec.gov and search by our firm name or by our CRD #175083.

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