Annuities
A steady, predictable income stream you can't outlive — so retirement doesn't depend on guessing how the market will behave.
What is an annuity?
An annuity is a contract with an insurance company: you contribute funds now (either as a lump sum or over time), and in exchange, the company guarantees you a stream of income later — often for the rest of your life, regardless of how long that turns out to be.
Unlike market investments, annuities can provide a guaranteed floor, which makes them a useful complement to a retirement portfolio that also includes growth-oriented assets.
Key benefits
Guaranteed income you cannot outlive, regardless of market conditions- Options for fixed, indexed, or immediate payout structures
- Tax-deferred growth until you begin taking withdrawals
- Optional riders for spousal income or long-term care needs
How it works
I start by understanding your other income sources — Social Security, pensions, savings — to see how much guaranteed income makes sense to add. From there I compare annuity types and carriers to find contract terms that match your timeline and risk comfort.
