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Exploring the Investment Power of an Annuity With Secure Retirement Strategies

While many people have seen commercials offering to purchase annuity payments, few understand how an annuity can be used to build wealth. At Secure Retirement Strategies, we work not only to match our clients with financial investment products but also to educate them on how these products can secure their financial futures. Our company provides expert financial and retirement planning advice to individuals and families looking to build wealth to fund important things such as their long-term care needs and a strong financial future.

What Is an Annuity?

An annuity is a contract between an investor (you) and an insurance company that requires the insurance company to make payments over an agreed-upon period of time. Investors can use this financial product to generate tax-deferred income for a later point in life. Typically, investors use annuities to save for important life events such as retirement since they can provide income to replace the paycheck that is no longer coming in.

Why Should You Buy an Annuity?

With so many investment products on the market, it can be hard to figure out which one will meet your needs. To help you understand how an annuity can fit your long-term goals, we’ve compiled a list of the three major reasons why investors buy annuities.

They provide a steady stream of retirement income that can last your entire lifetime or even stretch to cover the lifetime of your spouse or beneficiary.
They offer a death benefit that allows your beneficiary to receive a specific payment if you were to pass away before receiving your payments.
They allow for tax-deferred income growth, so you don’t have to worry about paying taxes on the income and investment gains from your annuity until you decide to withdraw funds.
They provide growth without market risk.

Now that you understand why investors choose to add annuities to their investment portfolios, let’s explore the different types of annuities options available to you.

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Types of Annuities

Fixed Annuity is a type of annuity where the insurance company agrees to provide you with a minimum interest rate and a fixed amount of payments over a period of time.

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Variable Annuity is an annuity where the insurance company allows you to put your payments into different investment options directly in the market. With this type of annuity, your returns could be positive or negative, and there are substantial fees.

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Indexed Annuities credit you, the investor, with a return based on stock market indexes such as the S&P 500 while guaranteeing no downside market risk and incurring little or no fees.

Which Annuity Is Right for You? We Can Help Customize Your Plan

Your retirement journey deserves a solid foundation of guaranteed income streams that match your unique situation. Different annuity contracts serve different purposes. Some provide immediate lifetime income, while others focus on tax-deferred investment growth. Your risk tolerance plays an important role in selecting between variable annuities with underlying investment options versus fixed annuities with predictable returns.

Secure Retirement Strategies can help you evaluate your retirement goals. We walk you through options like deferred income annuities that let you accumulate wealth while securing future income. We also help people consider lump sum payments or regular contributions. We analyze your financial picture and recommend annuities for retirement that align with your objectives.

Our process focuses on explaining the features, benefits, and considerations of each option in clear terms and will help you discover the right balance between growth potential and income security for your retirement strategy.

Comparing Annuities to Other Retirement Investments

When building your retirement portfolio, annuities offer unique advantages that complement traditional investment vehicles. Unlike standard investment accounts, annuities provide tax-deferred growth potential combined with optional guaranteed income features. This can give you more control over your retirement income strategy.

While mutual funds and stocks may offer higher growth potential, they don't provide the certainty of lifetime income that many annuity contracts deliver. Variable annuities bridge this gap by offering both market participation and income guarantees. Your investment income can grow tax-deferred, potentially accumulating more wealth than taxable accounts.

For residents across our Pennsylvania and New Jersey service areas, we've seen how deferred annuity options have helped create reliable retirement income streams while managing market volatility. The combination of growth potential and guaranteed benefits makes annuities worth considering for your retirement strategy.

Common Myths About Annuities

Debunking Common Myths About Annuities

Aren't annuities only for retirees?

This common misconception overlooks how deferred annuities can benefit younger investors. Starting an annuity contract earlier gives you more time for tax-deferred investment growth. Many professionals in their 40s and 50s across our service area use annuities to build retirement savings while securing future income.

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Don't annuities have high fees?

While administrative fees exist, they need context. The benefits you receive — like guaranteed lifetime income and death benefits — represent real value. Variable annuities with underlying investment options may have additional costs, but many fixed and indexed annuities have minimal fees. We'll help you evaluate the complete picture to determine if the benefits justify the costs.

Are annuities too complicated?

The variety of annuity options exist to meet different retirement needs. We explain complex terms in clear language, helping you grasp how features like income riders or death benefits work. Our team takes pride in explaining options simply so you can make confident decisions about your retirement strategy.

Start Planning Your Future Today with Secure Retirement Strategies

Planning your financial future can be a big job to handle on your own. But if you take time to sit with one of our professional retirement strategists, we can help take the stress away from securing a bright financial future for you and your loved ones. Whether it’s understanding the difference between an indexed universal life insurance (indexed annuity) policy and a life insurance retirement plan (LIRP), our team is ready to help.

If you’re a resident of Lehigh County, Bucks County, Chester County, Northampton County, Mercer County, or Hunterdon County, and you are ready to start building wealth for your retirement, contact us today!

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