Annuity Solutions
Structured Income and Risk-Managed Growth Strategies
Annuities can play a strategic role in long-term financial planning by providing structured income, tax deferral, and risk management. We advise high-net-worth individuals and business owners on annuity solutions that align with income objectives, risk tolerance, and broader financial and tax strategies. Our focus is on suitability, structure, and integration — ensuring annuities support, rather than complicate, long-term planning.
Annuity Solutions
Structured Income and Risk-Managed Growth Strategies
Annuities can play a strategic role in long-term financial planning by providing structured income, tax deferral, and risk management. We advise high-net-worth individuals and business owners on annuity solutions that align with income objectives, risk tolerance, and broader financial and tax strategies. Our focus is on suitability, structure, and integration — ensuring annuities support, rather than complicate, long-term planning.
Income Planning with Predictability and Control
When thoughtfully implemented, annuities can help manage longevity risk, smooth cash flow, and provide disciplined income planning. We evaluate annuities within the context of your full financial picture, including investments, business interests, and tax considerations.
Fixed Annuities: Stability and Predictable Outcomes
Fixed annuities are designed to provide predictable growth and income. They offer a guaranteed interest rate for a defined period and may later convert into a steady income stream. These solutions are often appropriate for clients seeking capital preservation, steady income, and reduced exposure to market volatility.
Key Characteristics
Guaranteed interest rates for defined periods
Principal protection, subject to insurer claims-paying ability
Optional lifetime income features
Tax-deferred growth
Useful for conservative income and retirement planning
Indexed Annuities: Growth Potential with Downside Protection
Indexed annuities offer returns linked to the performance of a market index while providing protection against market losses. They are designed for clients seeking a balance between growth potential and principal protection. These annuities credit interest based on index performance, subject to caps, participation rates, or spreads, and do not directly invest in the market.
Key Characteristics
Returns tied to a market index (e.g., S&P 500®)
Protection from market downturns
Tax-deferred growth
Optional income riders for retirement planning
Less volatility than variable annuities
Indexed Annuities: Growth Potential with Downside Protection
Indexed annuities offer returns linked to the performance of a market index while providing protection against market losses. They are designed for clients seeking a balance between growth potential and principal protection. These annuities credit interest based on index performance, subject to caps, participation rates, or spreads, and do not directly invest in the market.
Key Characteristics
Returns tied to a market index (e.g., S&P 500®)
Protection from market downturns
Tax-deferred growth
Optional income riders for retirement planning
Less volatility than variable annuities
(Indexed annuities are not market investments and may have limitations on credited returns.)
Variable Annuities: Investment-Linked Growth with Flexibility
Variable annuities provide investment-based growth opportunities through subaccounts tied to market performance. They may offer optional income and protection features but involve greater risk, including potential loss of principal. For certain clients, variable annuities may support long-term growth objectives, retirement income planning, and tax deferral, while allowing customization through optional riders.
Key Characteristics
Investment-based growth potential
Optional guaranteed income or protection riders
Tax-deferred accumulation
Flexibility in asset allocation
Greater risk exposure compared to fixed annuities
(Variable annuities involve investment risk, including possible loss of principal.)
Choosing the Right Annuity Structure
The decision between fixed and variable annuities depends on income needs, time horizon, risk tolerance, liquidity considerations, and tax strategy. Our role is to evaluate these factors objectively and recommend solutions that align with your broader financial and business objectives — not simply product selection.
An Integrated, Advisory-First Process
We approach annuities as part of a comprehensive planning framework. Our process emphasizes education, analysis, and coordination with your existing advisors when appropriate.
Our Process Includes
Review of income goals and financial objectives
Evaluation of tax implications and cash-flow needs
Assessment of annuity structures and features
Implementation aligned with long-term planning
Ongoing review as circumstances and regulations evolve
Annuities may be suitable for:
High-net-worth individuals planning for retirement income
Business owners seeking predictable cash flow
Clients looking to diversify income sources
Compliance Disclaimer (Recommended)
Annuities are insurance products and are subject to contract terms, fees, and limitations. Guarantees are based on the claims-paying ability of the issuing insurance company. Variable annuities involve investment risk, including possible loss of principal. This information is not intended as legal or tax advice.
