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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.
Why Annuities Matter in Retirement
- Annuities can create reliable income for life, but many retirees feel confused by the options, fees, and fine print. Some annuities offer protection, others offer growth, and some offer both. Without guidance, it’s hard to know which (if any) fit your plan.
- Questions We Hear Often:
• “Are annuities a good investment?”
• “What’s the difference between fixed and variable annuities?”
• “Can I still access my money?”
• “Do annuities help protect against market risk?”
We’ll help you explore annuities with clarity so you feel confident and in control of your income strategy.
Optimizing Annuities in Retirement
The Bucket Plan
Annuities can play an important role in a diversified retirement income plan. We use bucket planning to determine where annuities may fit based on your goals for access, income, and legacy.
Our approach segments your retirement strategy into three key phases:
• Now: Liquid funds for short-term needs
• Soon: Conservative income, often supported by fixed annuities
• Later: Long-term growth and potential legacy, with optional annuity protection
This structure helps provide the income you need now—while protecting long-term assets from sequence risk and emotional decision-making in market downturns.
why we're different
Help Secure Your Future With A Holistic Approach
Choosing an annuity is just one step in your retirement journey. It’s important to know how annuities interact with taxes, Social Security, investments, and legacy planning. That’s why we use a 7-pillar planning model to guide every client decision, not just product selection.
• Feel overwhelmed by all the annuity types and terms
• Worry about locking up your money
• Want guaranteed income but need flexibility too
• Wonder how annuities affect your taxes
• Want to compare annuities without pressure
• Prefer to work with an advisor who puts your goals first
Our mission is to help you understand your options—so you can make smart decisions that support your lifestyle and protect your future.
FAQ
Frequently Asked Questions About Annuities in Retirement
1.
What is an annuity?
An annuity is a contract with an insurance company that provides regular payments over time, often for life.
2.
Are annuities guaranteed?
Some annuities offer guaranteed income backed by the insurer. It’s important to understand what’s guaranteed and what’s not.
3.
Can I lose money with an annuity?
It depends on the type. Fixed annuities offer principal protection, while variable annuities carry market risk.
5.
Do I need an annuity if I have other income?
Not always. But annuities can add security to your plan and reduce reliance on market performance.
4.
What’s the downside of annuities?
They may have fees, surrender periods, limited access to funds, among others. We help you evaluate trade-offs clearly.
6.
How do annuities fit into my overall plan?
We align annuities with other retirement assets to create balance, predictability, and flexibility in your income plan.
how we help
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.
