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There can be a lot of confusion when it comes to annuities. At Legacy Finance, we only offer our clients annuity products that are a suitable fit for their overall portfolio. An annuity is a type of insurance policy that can have various guarantees depending on your needs. The benefits of annuity products include decreasing risk, reducing fees, and further diversifying your portfolio.

Our Process

Are you concerned about running out of money in retirement?

Our History

What guarantees do you have in your portfolio?

Our Values

Is your portfolio protected in a recession?

Our Resources

How tax efficient is your portfolio?

Annuities can provide various guarantees.

These guarantees include lifetime income, a set interest rate, protection against losses and tax deferral.


Offer a lifelong income stream, providing financial security akin to social security or a pension


Ensure a set interest rate for a specified period, similar to a Certificate of Deposit (CD)


Enable market participation with safeguards against losses and a limit on potential gains


Offer market involvement while also presenting tax-deferral benefits

Annuities are generally considered long-term investments. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not participate directly in any stock or equity investment or index. Annuities are not deposits of or guaranteed by any bank and are not insured by the FDIC or any other agency of the US. All guarantees are solely backed by the financial strength and claims paying ability of the issuing insurance company