Being an Independent Advisory firm allows us access to products from various companies, which enables us to find the most competitive rates on the market. For clients and prospective clients that do not own an annuity but would like to learn more, we offer education and an overview of the many different ways an annuity can be used. Purchasing an annuity is a very individualized process and can help meet specific financial goals. Whether that is guaranteed income for life, securing a fixed interest rate for a certain time period, or capitalizing on potential market growth through enhanced participation rates, we can assist in finding a product that makes the most sense for you.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value