Services
Plan for the Next Chapter.
Retirement can bring important decisions about how to manage savings, create income, and move retirement accounts when circumstances change. Annuities and rollovers are among the options people may consider as part of retirement planning. We provide clear, personalized education to help you understand how these options generally work and what questions to consider before making a decision.
Schedule a Consultation
Understanding Annuities
How Annuities Generally Work
An annuity is an insurance contract that can be used for retirement and income planning. Depending on the type of annuity and contract, it may provide options for receiving income over a specific period or for life.
Different annuities have different features, costs, risks, guarantees, and restrictions.
We help you understand the structure and terminology before you decide whether an annuity may be appropriate for your circumstances.
Understanding Rollovers
Moving Retirement Assets Requires Careful Consideration.
When leaving an employer or changing retirement arrangements, you may have several options for handling an eligible retirement plan distribution.
A rollover may allow eligible retirement assets to be transferred to another retirement plan or IRA while maintaining tax-deferred status when the applicable requirements are met.
The method matters. Direct rollovers and distributions paid to you can have different tax and withholding consequences.
We help you understand the general process and the questions you should consider before moving retirement assets.
Tax rules vary by situation. Consult your tax professional regarding your individual circumstances.
What to Consider
Look Beyond the Headline. Annuities and retirement account decisions can involve more than the potential income or features shown in a brochure.
Goals & Time Horizon
Consider what you want your retirement assets to accomplish and when you may need access to the money.
Access & Liquidity
Understand withdrawal provisions, surrender periods, charges, and any limitations that may apply.
Fees & Expenses
Ask what fees and expenses apply and how they may affect the value of the contract over time.
Income Options
Understand how the contract may provide income and whether payments are fixed, variable, or subject to specific contract conditions.
Before You Move Retirement Money
Understand Before You Rollover.
A rollover is an important financial decision. Before moving retirement assets, consider:
- Why are you considering the rollover?
- What options are available through your current plan?
- What fees and expenses apply to each option?
- Will you have access to the same investment or income features?
- Are there surrender charges or other costs?
- What are the tax implications?
- What happens to your existing benefits or guarantees?
- How does the proposed option fit your retirement goals?
A direct rollover may have different tax consequences from receiving a distribution personally. The IRS provides specific rules regarding rollovers, withholding, and eligible retirement accounts.
Have Questions About Annuities or Rollovers?
You don't have to make a retirement decision before you understand your options. Let's start with your questions and take the time to understand what you're considering.
Choose a time that works for you. We confirm your appointment, answer your questions, and there is no obligation.
Educational information only. Annuities and retirement products involve risks, costs, fees, limitations, and contract terms that vary by product and insurance company. Tax treatment varies by individual circumstances. This information is not tax, legal, or individualized investment advice. Consult qualified tax or legal professionals regarding your individual situation.