Building Security and Income for Your Retirement Years 

Variable annuities are designed to grow your savings for the long term. Earnings are tax-deferred until you withdraw them, allowing your investment to accumulate more efficiently over time. If you begin withdrawals after age 70½, you’ll also benefit from reduced tax requirements. Plus, variable annuities let you pass assets directly to your beneficiaries, avoiding the costs and delays of probate court.

Income annuities provide guaranteed payments during retirement, tailored to your needs. Your income can be based on your lifetime, the lifetimes of you and another person, or a fixed period of time. You also decide how much income you’ll receive and when payments begin, giving you confidence that you’ll have steady cash flow exactly when you need it.

• Guaranteed income: An annuity provides a dependable stream of income in retirement, ensuring you can cover expenses and enjoy life, no matter how long you live. It takes away the worry of outliving your savings.
• Tax advantages: Because earnings grow tax-deferred, your money has more time to accumulate before you start withdrawals. This helps maximize your retirement funds and gives you more control over when and how you’re taxed.
• Flexibility: With different types of annuities available, you can choose the option that best fits your lifestyle. Whether you want to grow your savings steadily or lock in predictable income, there’s a plan designed to support your goals.
• Legacy planning: Annuities allow you to pass assets directly to your beneficiaries without going through probate court. This saves time, reduces costs, and helps ensure your loved ones receive the financial support you intended.
• Peace of mind: Knowing that you’ll have financial security long after your paycheck ends lets you focus on what matters most, enjoying retirement, spending time with family, and living life on your own terms.

Retirement should be about enjoying the life you’ve worked for, not worrying about running out of money. Annuities provide stability and predictability, helping you plan for the years ahead while protecting your family’s future. They’re a powerful way to turn today’s hard work into tomorrow’s security.