Retirement is different. Your strategy should be too.
You've worked hard to build your retirement savings. As you approach or enter retirement, protecting what you've accumulated and creating dependable income can become just as important as continued growth. That's where annuities may play an important role.
A range of guarantees for a range of retirement goals
Today, there is a wide variety of annuity solutions designed to address different retirement objectives. At The Complete Investor, we don't believe one product is right for everyone. We start by understanding your goals, income needs, liquidity needs, time horizon, and risk tolerance, then help you determine whether an annuity may deserve a place in your retirement strategy.
- —Protection from direct market losses
- —Guaranteed lifetime income
- —Tax-deferred growth
- —Predictable interest or growth opportunities
- —Protection against outliving your retirement income
- —Beneficiary and legacy options
- —Greater stability and predictability in retirement
Build. Save. Invest. Grow. Then the equation changes.
For most of your working life, the objective was simple: build, save, invest, grow. Retirement changes that equation. Now you may also be asking: How do I protect what I've accumulated? How do I create dependable retirement income? What happens if markets decline? What happens if I live longer than expected? Different types of annuities can help address these concerns by transferring certain financial risks to an insurance company.
Create income you can't outlive
One of the most powerful features available with certain annuities is the ability to create guaranteed lifetime income. Rather than wondering how long your retirement savings need to last, an appropriately structured annuity can provide an income stream designed to continue for as long as specified under the contract, including, with certain options, for the rest of your life.
Grow with greater protection
Depending on the type of annuity, you may have opportunities for fixed interest, index-linked interest crediting, tax-deferred accumulation, or other growth strategies, without taking the same risks associated with directly owning stocks. The objective isn't necessarily maximum return. For many retirees, it's finding the appropriate balance between growth, protection, liquidity, and income.
Understand it fully. Then decide.
Annuities aren't appropriate for everyone, and they're generally designed as long-term retirement products. That's why we believe you should understand both the benefits and the limitations before making a decision. We'll help you understand how an annuity works, how your money is protected, how interest or income is calculated, what access you'll have to your money, what fees or surrender provisions may apply, and how the available options compare. Then you decide.
Let's look at your retirement options
Schedule a complimentary, no-obligation retirement income and annuity review with The Complete Investor. We'll discuss where you are today, where you want to be in retirement, and whether an annuity may help you get there. Safety. Security. Guarantees. That's what we like at The Complete Investor.
Andrew “Drew” Yurasek
Licensed Insurance Producer | Retirement & Annuity Specialist
Illinois Insurance Producer License #16233735
Annuities · Retirement Income · Insurance Solutions
Annuities are insurance products and are not appropriate for everyone. Guarantees are subject to the terms of the applicable contract and the financial strength and claims-paying ability of the issuing insurance company. Withdrawals may be subject to surrender charges, taxes, market value adjustments where applicable, and additional federal tax penalties in certain circumstances. Annuities held within qualified retirement accounts such as IRAs do not provide additional tax deferral beyond that already provided by the qualified account. The Complete Investor and its representatives do not provide tax or legal advice.