David Harrington
Harrington Financial Services
740-966-1375/888-336-7966
 

Are You Prepared For Retirement?
 

What exactly is an Annuity?

An annuity is an investment product that provides safe, tax-deferred growth of your retirement nest egg. Annuities are considered low-risk, and can provide guaranteed, monthly income when you retire. There are many types of annuities with varying features & benefits. These include: fixed, variable, immediate, deferred & hybrid. We strongly suggest you consult with a financial professional to help you understand the various types of annuities before you purchase.

Is an Annuity Right for You?

 Annuities are designed for people looking for guaranteed, monthly income when they retire − they are NOT a high-risk / high-return investment. They are considered to be in the mainstream of conservative retirement planning − over $225 billion in annuities have been purchased in the past 12 months alone!

The role of Annuities In a retirement portfolio

An annuity is a contract with an insurance company that is specifically designed for retirement purposes. When you purchase an annuity, you make a payment to an insurance company, that, in return, agrees to pay out an income stream or a lump-sum amount at a future date. When used as part of your retirement portfolio, an annuity may provide you:

Funding the retirement you visualize takes planning

Whether you are still planning for retirement or redirecting your focus from building wealth to generating retirement income, its important to consider how much your retirement lifestyle will cost you and how you will fund that lifestyle.

We can assist you in defining your retirement income goals and set priorities, which include establishing goals for essential day-to-day expenses that are distinct from goals for more important and aspirational expenses. This allows us to assist you and align your income streams and retirements savings to each goals. This method can help you increase your chances of reaching your goals and help your retirement savings last a lifetime.

It all starts with a conversation

Talk to your advisor about the role annuities might play in your retirement plan. Your advisor will work with you to review your goals, investing style, risk tolerance, timeline and liquidity requirements to find an income strategy that will meet your needs and review your strategy on a regular basis to help you stay on track towards your retirement goals.


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