Retirement planning is about more than growing your money—it is about protecting what you’ve worked hard to build and creating a reliable income for the future.
Annuities are insurance-based financial products designed to help individuals accumulate assets, protect principal, and potentially create guaranteed income during retirement. Depending on the type of annuity selected, they can provide different combinations of safety, growth potential, and income security.
Many retirees and pre-retirees face a difficult choice:
Certain annuity strategies, particularly Fixed Indexed Annuities, are designed to help bridge that gap by offering principal protection while providing growth opportunities linked to market indexes.
Fixed annuities provide a guaranteed interest rate for a specified period of time. They are often used by individuals seeking safety, predictability, and stable growth.
Income annuities are designed primarily to provide guaranteed income payments for a specified period or for life.
Fixed Indexed Annuities are designed to provide a combination of protection and growth potential. Rather than investing directly in the stock market, interest is credited based on the performance of a market index, subject to contract terms and limitations.
Many people consider indexed annuities attractive because they offer the potential for growth when markets perform well while protecting principal during market downturns.
Annuities are long-term financial products and may include surrender charges, market participation limitations, fees, and contract restrictions. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Not all annuities are the same. Understanding the differences between fixed, indexed, and income annuities can help you determine which strategy may align with your retirement goals.
At Sagun Financials, we help individuals and families explore retirement planning options and understand how annuities may fit into an overall retirement income strategy.
You must be a U.S. citizen, national, or lawfully present in the United States.
You must live in the state where you are applying.
You must be a U.S. citizen, national, or lawfully present in the United States.
You may not qualify for subsidies if your employer offers affordable coverage that meets minimum standards.
If you are eligible for Medicare, you should enroll in that instead of Marketplace coverage.
These lower monthly premium payments for those with incomes between 100-400% of the Federal Poverty Level (FPL).
These reduce out-of-pocket costs (deductibles and copayments) for those earning up to 250% of the FPL.
In expansion states, individuals earning up to 138% of the FPL may qualify for Medicaid instead of the Marketplace.
You may not qualify for subsidies if your employer offers affordable coverage that meets minimum standards.
The protection decisions you make today shape your financial stability tomorrow. Let our licensed advisors guide you toward confident, informed coverage choices.
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