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Protect Income. Preserve Confidence.
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ANNUITIES IN Retirement
- Annuities can offer lifetime income, but they’re not one-size-fits-all. We help you understand how annuities work, if they’re right for your plan, and how to integrate them with your other retirement assets.
avoid high taxes
We’ll help you save on
your 401k & IRA.
maximize your savings
Take charge of your finances with Social Security & Income Planning.
optimize your spending
We succeed when you achieve your goal of financial well-being.
Not Your Grandparents' Annuities
Many people believe annuities are burdened with high fees that erode returns, or that they entail excessive risk. Concerns also extend to the notion that annuities forfeit a lump sum to heirs upon the annuitant's death, contrasting with legacy-focused strategies. These misunderstandings often overshadow the nuanced benefits annuities can offer in providing guaranteed income and addressing longevity risk.
By understanding the nuances of annuity options, we seek to empower individuals to make well-informed decisions. It's about separating fact from fiction and ensuring that each person can confidently navigate their retirement journey with a clear understanding of how annuities can contribute to your financial security.
Impact on interest rates
Presently,¹ we find ourselves in the highest interest rate environment in over 20 years.
Higher rates generally mean better returns and improvised terms for annuity products. With high interest rates, investment strategies evolve, making financial products like annuities a potential tool for your retirement planning goals.
This environment presents a significant opportunity to reassess and potentially optimize your retirement strategy, including any annuities you currently own.
Refinancing your retirement through updated annuity solutions can capitalize on improved terms and potentially enhance your income stream in retirement.
¹Current as of March 6, 2025
Source: https://canvasannuity.com/blog/do-annuity-rates-rise-with-interest-rates. Accessed 3/6/2025.
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Continue Your Annuities Education
An Annuities Q&A: Are These Investments Right For Your Retirement?
“Should I use annuities?” “I've heard so many bad things about annuities.” “I've heard people say I should never get an annuity,” or “I've heard people say annuities should be considered in retirement.”
"Not Your Grandparents' Annuities" featuring John Del Greco
There are a lot of misconceptions out there about annuities, many of which are rooted in the way these assets were structured 20 or more years ago and ignoring developments in the market in more recent years.
Are annuities right for your retirement plan? They could be, but there are lots of factors to consider...
Explore Bucket Planning for Your retirement Strategy
Learn how strategic asset allocation can help manage financial security through different market conditions.
Disclaimer
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Missouri. PCA and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which PCA maintains clients. PCA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. This website is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by PCA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. The Chamberlin Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
