Retirement Income Planning is a retirement strategy designed to provide predictable, reliable income you cannot outlive. These annuities are built specifically to help individuals turn a portion of their savings into a steady stream of income—often for life.
✔ Lifetime Income Protection
Receive income that continues as long as you live, reducing the risk of outliving your retirement savings.
✔ Predictable Payments
Know exactly how much income you’ll receive and when you’ll receive it.
✔ Customizable Income Timing
Choose when income begins — immediately or at a future date — so payments align with retirement goals, Social Security timing, or other income sources.
✔ Tax-Deferred Growth
Earnings grow tax-deferred until withdrawn.
✔ Spousal & Legacy Options
Many plans offer joint income options for spouses and death benefit features for beneficiaries.
✔ Market Protection Options
Depending on the type of annuity used (such as fixed or indexed), you may avoid direct market losses.
Fixed annuities grow at a guaranteed rate.
Fixed indexed annuities grow based on a market index (with downside protection).
Variable annuities grow (or decline) based on market performance.
Most annuities allow penalty-free withdrawals (often 10% per year). While there may be surrender periods, you typically still have access to a portion of your funds.
Annuities are not meant to be high-growth investments. They are insurance products designed to provide guarantees and income stability.
