Annuities are perhaps the most popular product available in order to provide a guaranteed income during retirement. Like many products, annuities come in different shapes and sizes. There isn’t a one size fits all solution for everyone. An annuity is an insurance product that offers a future scheduled payment. Some annuities offer a Guaranteed Lifetime Payout so you never have to worry about running out of money during your lifetime. Upon death, many annuities will also pay a death benefit to your designated beneficiary. Our advisors are experts at determining which annuity product can be used in order to achieve your desired financial goals. We specialize in both lump sum and flow annuities.

Lump sum annuities are great places to move chunks of money. For example, rolling old 401(k) plans or moving money from a mutual fund in order to secure earned gains. Lump sum annuities can be used for qualified or non-qualified accounts.

Flow or flex annuities are a secure product that allow ongoing contributions throughout your career. Flow annuities can be set up as an IRA, Roth IRA, SEP IRA, 403(b), 457(b) or simply an equity annuity. Flow annuities can be used for tax-sheltered or non-qualified accounts.

Some of our most powerful annuities allow you to have access to your money whenever you may need it. You are always in control of your money. The feature that is most popular with our clients is the Guaranteed Lifetime Income that our annuities can provide. Imagine never running out of money during your lifetime! That’s powerful! Any balance remaining will pass along to your beneficiaries when that time comes.

With financial markets being at all time highs, now is a terrific time to lock in those gains and secure your financial future by utilizing an annuity for your future income. Annuities can produce immediate or future income. Consult with one of our advisors to determine what annuity will provide you with the greatest benefits and allow you to achieve your financial dreams.

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“Since my income is sporadic as a real estate agent, I needed a financial plan that was flexible. Universal Retirement designed a plan for us that works great because I can make contributions when I have a good month.

When money gets tight I can access my retirement savings without early withdrawal penalties and taxes.

They really understood our needs and designed a plan that was perfect for our family!”

Michelle Grant
Realtor, Realty One Group

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