Simple, Reliable Income Options for Your Retirement
If you're thinking ahead about retirement income, we can help you explore fixed and indexed annuities that offer protection, stability, and peace of mind. We sit down with clients across Central Virginia to walk through how annuities work and when they make sense.
What Is an Annuity?
An annuity is an insurance product that allows you to turn savings into steady, guaranteed income. Some offer fixed interest growth, while others are tied to a market index with downside protection. We help you understand the differences and choose what fits your goals.
Why People Use Annuities
- Protect retirement savings from market loss
- Create income that lasts a lifetime
- Supplement Social Security or pension income
- Leave behind a guaranteed benefit to loved ones
Types of Annuities We Help With
- Fixed Annuities (guaranteed interest)
- Fixed Indexed Annuities (growth potential with protection)
- Immediate Annuities (for income now) We’ll explain each clearly and show how they might fit into your retirement picture.
Our Role
We’re not financial advisors — but we do help clients understand the insurance side of retirement. We’ll walk you through what annuities can and can’t do, and compare options from trusted carriers without pressure.
Annuities & Retirement Income FAQs
Do I need a lot of money to buy an annuity?
Not necessarily — some annuities start at $10,000. We’ll help you decide what’s realistic.
Are annuities safe?
We only work with highly rated carriers and explain the guarantees and risks of each type.
Will I lose access to my money?
Some annuities have surrender periods, but many allow partial withdrawals. We’ll show you the rules.
How is annuity income taxed?
Earnings are taxed as ordinary income when withdrawn. We’ll explain how that might affect you.
Can annuities be used alongside Medicare or life insurance?
Yes — many clients use them as part of a broader retirement plan. We’ll help you understand how they fit together.
