Steady, long-term income planning

Fixed & indexed annuities built for stability and growth

Today's annuities are built to protect what you've already earned, give you steadier growth, and help reduce the worry of big market drops right when you need your money.

Where annuities fit in a retirement plan

Annuities aren't meant to replace everything you're doing. They're one tool that can turn part of your savings into a more predictable, protected piece of your retirement picture.

Close to or in retirement

Protect a portion of your nest egg from big market swings while still giving it a chance to grow.

Heavy in cash or CDs

CD-like options with tax-deferred growth and, often, higher rates from highly rated companies.

Worried about outliving savings

Certain annuities can turn part of your savings into predictable income you can't outlive.

Staying fully in the market vs. adding a protected-growth bucket

Most retirees don't choose between "all in" or "all out" of the market. Instead, they carve out a portion of their portfolio that's shielded from big drops, helping reduce stress and sequence-of-returns risk during retirement.

Staying fully in the market

Vulnerable to big drops right before or during retirement.
Poor timing may force you to sell investments at a loss to fund income.
Can feel stressful once you're no longer adding new contributions.

Adding a protected-growth bucket

No losses from market downturns on that portion of your savings.
Gains can lock in over time. Once secured, they aren't given back.
Creates a calm, predictable “sleep-well” bucket alongside market investments.

Timing risk in retirement

Why sequence-of-returns risk matters

Sequence-of-returns risk is what happens when you have to take withdrawals during a market downturn. Two retirees can invest the same amount and earn the same average return, yet end up with very different results depending on when the losses show up.

How indexed annuities can help with timing risk

Two people can invest the same amount and earn the same average return but finish with very different balances if one experiences big losses early in retirement.

Losses early in retirement hurt more because you're taking withdrawals while the account is down. Money that comes out during a downturn is no longer there to participate in any recovery.

Indexed annuities avoid market losses on the protected portion of your savings and lock in gains over time. That can help keep your income plan on track when markets are choppy.

Annuity categories

Types of annuities we help compare

We compare options from multiple highly rated companies so the focus stays on what truly fits your goals, not on any one product.

Fixed annuities & MYGAs

Often called “CD alternatives,” these contracts offer a guaranteed interest rate for a set number of years, along with tax-deferred growth and flexible withdrawal features.

Fixed indexed annuities

Growth is tied to a market index while your principal is protected from losses. Gains are locked in over time.

Income-focused strategies

Designed to turn part of your savings into predictable income you can't outlive, often with flexibility if your plans change.

What we don't do

We don't use variable annuities with market losses. Our focus is on protected-growth and income tools that help reduce risk, not add to it.

You've heard the rumors. Here's what's changed.

A lot of the stories people hear about annuities are based on older products or on variable annuities that work very differently from the fixed and indexed annuities we use today.

Myth: "Annuities are full of hidden fees."
Reality: Many of the fixed and indexed annuities we use have no ongoing annual fees. Optional benefits (like enhanced income features) are added only if they make sense for you.
Myth: "Your money is locked up forever."
Reality: Most contracts allow free withdrawals each year and offer multiple term lengths. We walk through what access looks like before you decide to move a dollar.
Myth: "Returns are always low."
Reality: Fixed annuities can be competitive with CDs, especially after considering tax deferral. Indexed annuities can track global markets with participation rates that share in the upside while keeping your principal protected from market losses.

Wondering if an annuity makes sense for you?

We'll walk through how these contracts actually work, compare options from highly rated companies, and help you see if a protected-growth bucket fits your retirement plan.

SEE MY OPTIONS

Smarter protection. Built for growth.™