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Services - Risk ManagementAnnuities

Understanding Your Options
Income, Protection & Long-Term Strategy

A Strategic Tool to Strengthen Your Retirement Plan

There’s a lot of confusion around annuities—and for good reason. At Legacy Finance, we only recommend annuity products that are a suitable fit for your overall financial picture. Used appropriately, annuities can help decrease risk, reduce fees, and diversify your retirement portfolio with added layers of security.

Filling in Your Financial Roadmap
Can You Answer These Questions?

  • We’ll show you how certain annuities can provide guaranteed lifetime income—similar to Social Security or a pension.

  • Some annuities offer protections like fixed interest rates, principal guarantees, or income benefits.

  • Indexed annuities offer a balance of market-linked growth and downside protection—keeping your retirement more stable in volatile markets.

  • Annuities can offer tax-deferred growth, allowing your investments to compound without immediate taxation.

Immediate

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

Fixed

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

Indexed

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

Variable

Offer market involvement while also presenting tax-deferral benefits

Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Guarantees are based on the claims-paying ability of the issuer. Withdrawals made prior to age 59½ are subject to a 10 percent IRS penalty tax, and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available subaccount portfolios will fluctuate, so the value of an investor’s unit, when redeemed, may be worth more or less than the original value. Optional features available may involve additional fees.

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