Annuities
Retirement
Income You
Can Count On.
An annuity can turn part of your savings into dependable retirement income, with options that protect your principal and grow tax-deferred.
Steady Income
Tax-Deferred Growth
Protected Principal
Steady Income.
Lasting Confidence.
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Jordan WindtestLicensed Insurance Agent
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What is an Annuity?
A Paycheck for
Your Retirement.
An annuity is a contract with an insurance company. You pay a lump sum or a series of payments, and in return the insurer can pay you income now or later, for a set number of years or for the rest of your life. Fixed and fixed indexed annuities also grow tax-deferred, so you don’t pay taxes on earnings until you take money out.
Key Benefits
Why Consider an Annuity?
Income for Life
Tax-Deferred Growth
Protection From Losses
Flexible Payouts
How Annuities Work
Save Now,
Get Steady Income Later.
You fund the annuity with a single payment or over time. Your money grows tax-deferred, and when you’re ready, you turn it into a stream of income that fits your retirement plans.
- Fund Your AnnuityMake a single payment or contribute over time.
- Let It GrowYour money grows tax-deferred until you need it.
- Choose Your IncomePick payments for a set number of years or for life.
- Enjoy RetirementReceive dependable income for your everyday needs.
Is an Annuity Right for You?
Consider Your Goals
An annuity may be a good fit if you’re looking for:
Income you can’t outlive
Protection from market downturns
Tax-deferred growth on savings
A plan for your spouse or heirs
Jordan WindtestLicensed Insurance Agent
National & State Accredited Fiduciary
National PN ID: 99887766
Work With a Trusted Advisor
Let’s Explore
Your Options.
Every family’s needs are different. I’ll help you find a retirement income plan that fits your goals and compare options from top-rated carriers.
You’ll get:
- A personalized review of your goals
- Clear answers to your questions
- Compare options from top-rated carriers
- No obligation and no pressure
Takes about 15 minutes
Frequently Asked Questions
Annuity FAQs
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A contract with an insurance company that can turn your savings into income, either right away or at a future date. Many annuities also grow tax-deferred until you take withdrawals.
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The main types are fixed, fixed indexed, and income annuities. A fixed annuity earns a set interest rate. A fixed indexed annuity earns interest linked to a market index, with protection from losses. An income annuity turns a lump sum into regular payments.
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Fixed and fixed indexed annuities protect your principal from market losses. Their guarantees depend on the claims-paying ability of the insurance company. Surrender charges can apply if you take out more than allowed in the early years.
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Most annuities let you withdraw a portion each year without a charge. Larger early withdrawals may have surrender charges, and withdrawals before age 59½ may also face a 10% federal tax penalty.
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Earnings are taxed as ordinary income when you withdraw them. If you bought the annuity with after-tax money, part of each payment may be a tax-free return of your principal. A tax professional can advise on your situation.
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Many annuities include a death benefit that passes to your beneficiaries. You can also choose income options that continue for your spouse.
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Schedule a Free Consultation
Let’s discuss your retirement goals and see if an annuity is the right solution for you.