Not every retirement saver wants the same kind of fixed annuity. Some clients want one declared interest rate that stays the same for the full guarantee period. Others want principal protection and tax-deferred growth, but feel uncertain about committing to a single long-term declared rate in a changing interest rate […] Read More...
First-Year Certainty, Annual Updates After That Choosing a fixed annuity often comes down to a balance between protection, predictability, and flexibility. Many clients like the idea of a multi-year guaranteed annuity, or MYGA, because it offers principal protection, tax-deferred growth, and clear contract terms. But in a changing interest rate […] Read More...
When planning for retirement, many people are looking for the same core things: stability, clarity, and confidence that their money is protected. That’s why multi-year guaranteed annuities, or MYGAs, have long played an important role in retirement strategies. They are designed to offer principal protection, tax-deferred growth, and a clearly […] Read More...
Finding the Right Balance for Retirement As you move closer to retirement, the way you think about money often starts to change. Earlier in life, growth may have been the priority. But as retirement approaches — or once it begins — many people start asking a different question: How do […] Read More...
If you’re starting to think seriously about retirement, it’s natural to ask: When is the appropriate time to buy an annuity? There’s no single “right” age or moment that works for everyone. Instead, the appropriate time to consider buying an annuity often depends on your goals, your retirement timeline, and how […] Read More...
When planning for retirement, one common challenge is deciding how and when to turn savings into income— while managing income needs, liquidity, and long-term planning considerations. That’s where an annuity ladder can be considered as a possible strategy. An annuity ladder is a retirement strategy that spreads annuity purchases across different time periods. […] Read More...