RETIREMENT SOLUTIONS
A successful retirement isn’t just about having money saved—it’s about making sure it guarantees the 5 keys:
Safe: 100% Contractual Guarantee of Your Money
Growth: Lock in your gains & No Time Lost
Income: Guaranteed Lifetime Income
Healthcare Costs: Home Healthcare & Nursing Home Care
Enhanced Death Benefit: Pass Money to Your Beneficiaries
By combining these essential keys, you can rest assure your hard-earned money becomes a powerhouse for your future and your loved ones' future, no matter what the markets or economy bring.
RETIREMENT SOLUTIONS
A successful retirement isn’t just about having money saved—it’s about making sure it guarantees the 5 keys:
Safe: 100% Contractual Guarantee of Your Money.
Growth: Lock in your gains & No Time Lost.
Income: Guaranteed Lifetime Income.
Healthcare Costs: Home Healthcare & Nursing Home Care.
Enhanced Death Benefit: Pass Money to Your Beneficiaries.
By combining these essential keys, you can rest assure your hard-earned money becomes a powerhouse for your future and your loved ones' future, no matter what the markets or economy bring.
What Does Every Investor Want?
Protection From Market Losses: Your principal is protected—no matter what the market does. When the market drops, your account value stays safe.
Aggressive Growth: Earn interest linked to market performance without risking your principal. In good market years, you can capture part of the gains to help your savings grow faster.
Liquidity: Provide as much access to your money as possible all while still accomplishing other goals.
The World is Your Oyster, Crack It Open!
What Does Your Dream Retirement Look Like?
Practical: Spend more time with family, perfect your golf swing, or finally tackle that hobby you’ve always wanted.
Travel: Hit the open road in an RV or jet-set to bucket-list destinations around the world.
Community: Make an impact through volunteering, mentoring, or supporting causes you care about.
Exploratory: Unleash new talents, chase forgotten passions, or reinvent your personal mission.
Let's make your dreams a reality by creating a plan that protects your savings and provides guaranteed income. With the right strategy in place, what would you pursue?
What Does Every Investor Want?
Protection From Market Losses: Your principal is protected—no matter what the market does. When the market drops, your account value stays safe.
Aggressive Growth: Earn interest linked to market performance without risking your principal. In good market years, you can capture part of the gains to help your savings grow faster.
Liquidity: Provide as much access to your money as possible all while still accomplishing other goals.
The World is Your Oyster, Crack It Open!
What Does Your Dream Retirement Look Like?
Practical: Spend more time with family, perfect your golf swing, or finally tackle that hobby you’ve always wanted.
Travel: Hit the open road in an RV or jet-set to bucket-list destinations around the world.
Community: Make an impact through volunteering, mentoring, or supporting causes you care about.
Exploratory: Unleash new talents, chase forgotten passions, or reinvent your personal mission.
Let's make your dreams a reality by creating a plan that protects your savings and provides guaranteed income. With the right strategy in place, what would you pursue?
Your Retirement, Your Way
We prioritize your unique goals, priorities, and resources to craft personalized financial solutions. Whether you're exploring annuities, insurance, or other financial planning options-you don’t have to navigate it alone. We provide the perfect balance of personalized guidance and comprehensive product options, ensuring you find the right financial strategy for your future.
Your Goals. Your Future. Our Priority.
Your Retirement, Your Way
We prioritize your unique goals, priorities, and resources to craft personalized financial solutions. Whether you're exploring annuities, insurance, or other financial planning options-you don’t have to navigate it alone. We provide the perfect balance of personalized guidance and comprehensive product options, ensuring you find the right financial strategy for your future.
Your Goals. Your Future. Our Priority.
Ready To Get Started?
FAQ
Can I lose money if I withdraw early?
Yes, taking money out before the surrender period ends may trigger surrender charges. However, most contracts allow penalty-free withdrawals up to a certain percentage each year.
What is a surrender period?
A surrender period is the timeframe during which early withdrawals may incur fees. It typically lasts 5–10 years, depending on the annuity, and is explained upfront so you know your options.
What happens to my annuity if I pass away?
Option 1. Your beneficiaries have a few options for receiving the annuity death benefit. They can take a lump-sum payment or opt for a structured payout over 5 years, often called an enhanced death benefit. Spreading the payments over several years can provide tax advantages, higher overall benefits, and easier financial planning for your loved ones..
Option 2. Your spouse can assume ownership of the contract when you pass away, which means they can continue the annuity without triggering taxes or penalties. This is often called a “spousal continuation” and ensures your retirement savings and guaranteed income can remain intact for your spouse’s benefit.
Can I use my annuity to cover long-term care or health issues?
Yes. Many fixed indexed annuities offer long-term care or chronic illness riders that allow you to access a portion of your annuity to cover health-related expenses. With these riders, your monthly income can double for up to 5 years if you meet the qualifying conditions, providing extra financial support when you need it most.
How do fixed indexed annuities earn interest?
Interest is calculated based on the performance of a selected market index but your principal is never at risk. Gains are usually capped or credited according to the contract rules.
How often is interest credited to my annuity?
Interest crediting can vary depending on the annuity contract and the method chosen. Many fixed indexed annuities use Point-to-Point (P2P) crediting, where interest is measured based on the index’s performance over a set period:
1-Year P2P: Interest is calculated once per year, based on the change in the index from the start to the end of that year.
2-Year P2P: Interest is calculated every two years, based on the index’s change over the full two-year period.
These methods allow your growth to be linked to the market’s performance while protecting your principal from losses, and they provide a predictable way to track how much your annuity earns over time.
Can I combine annuities with other retirement accounts?
Yes. Annuities can complement 401(k)s, IRAs, and other retirement savings, offering protection and guaranteed income that supplements your existing plans.
FAQ
Can I lose money if I withdraw early?
Yes, taking money out before the surrender period ends may trigger surrender charges. However, most contracts allow penalty-free withdrawals up to a certain percentage each year.
What is a surrender period?
A surrender period is the timeframe during which early withdrawals may incur fees. It typically lasts 5–10 years, depending on the annuity, and is explained upfront so you know your options.
What happens to my annuity if I pass away?
Option 1. Your beneficiaries have a few options for receiving the annuity death benefit. They can take a lump-sum payment or opt for a structured payout over 5 years, often called an enhanced death benefit. Spreading the payments over several years can provide tax advantages, higher overall benefits, and easier financial planning for your loved ones..
Option 2. Your spouse can assume ownership of the contract when you pass away, which means they can continue the annuity without triggering taxes or penalties. This is often called a “spousal continuation” and ensures your retirement savings and guaranteed income can remain intact for your spouse’s benefit.
Can I use my annuity to cover long-term care or health issues?
Yes. Many fixed indexed annuities offer long-term care or chronic illness riders that allow you to access a portion of your annuity to cover health-related expenses. With these riders, your monthly income can double for up to 5 years if you meet the qualifying conditions, providing extra financial support when you need it most.
How do fixed indexed annuities earn interest?
Interest is calculated based on the performance of a selected market index but your principal is never at risk. Gains are usually capped or credited according to the contract rules.
How often is interest credited to my annuity?
Interest crediting can vary depending on the annuity contract and the method chosen. Many fixed indexed annuities use Point-to-Point (P2P) crediting, where interest is measured based on the index’s performance over a set period:
1-Year P2P: Interest is calculated once per year, based on the change in the index from the start to the end of that year.
2-Year P2P: Interest is calculated every two years, based on the index’s change over the full two-year period.
These methods allow your growth to be linked to the market’s performance while protecting your principal from losses, and they provide a predictable way to track how much your annuity earns over time.
Can I combine annuities with other retirement accounts?
Yes. Annuities can complement 401(k)s, IRAs, and other retirement savings, offering protection and guaranteed income that supplements your existing plans.
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South Carolina, United States