Annuities

An annuity is a contract between you and an insurance company. We utilize tax-deferred fixed and fixed indexed annuities in certain situations as part of our “safe money” strategies. 

A fixed annuity will generally pay a higher interest rate than a bank certificate of deposit for the same duration, and the funds are not subject to market fluctuation or management fees. Contact us to see which company is currently offering the highest rate!

A fixed indexed annuity also offers safety of principal, along with the opportunity to earn an interest rate that is linked to the performance of one or more market indices. These contracts can also have up-front bonuses to help your money grow faster.

All of the annuity contracts we utilize will have surrender charges that apply if you withdraw more than the penalty free amount each year. These charges vary by policy and can be substantial, which is why we carefully consider which funds to recommend annuities for.