Annuities
Are you considering an annuity? There are many different types of annuities and it's critical that you choose the one that works best with your retirement plan.
Annuities We DON'T Offer
One type of annuity is a Variable annuity. The funds in these are invested directly into securities and there is risk of loss. These products also are notorious for having very high fees, which can affect performance significantly. This runs counter to our philosophy on annuities and we do not offer these. If you currently have a variable annuity and want to explore other options, we can help.
Annuities We DO Offer
All of the annuities we offer have two things in common: Your principal is protected and there is a death benefit that can be passed on to your named beneficiary(ies).
We must be 100% clear on this: We will never offer anyone an annuity without a thorough understanding of their financial situation, goals, needs, and concerns. Any annuity offered will be carefully chosen and customized to meet your retirement needs. Through our affiliations and partnerships we have access to the best resources and expertise in the industry in order to bring you solutions that are truly in your best interest.
Annuities We Offer
Income Annuity
Accumulation Annuity
Accumulation Annuity
This is a type of fixed-index annuity that is designed to maximize your guaranteed lifetime income. Think of it as your personal pension that you cannot outlive. You decide when you want to "turn on income" and there is still a death benefit remaining for your beneficiaries even after your income starts.
Accumulation Annuity
Accumulation Annuity
Accumulation Annuity
This is a type of fixed-index annuity that is designed for protected growth. Your principal is always 100% safe from loss and you can earn interest based on the performance of an index, such as the S&P 500. Every time you earn interest, that growth is locked in forever and will never go backwards.
Fixed-Rate Annuity
Accumulation Annuity
Fixed-Rate Annuity
This is an annuity that guarantees you a specified fixed rate of return over a specified period of time, usually from 3 to 7 years. Also known as Multi-Year Guaranteed Annuities, these are designed to earn more interest than a CD. And, unlike a CD, you are not taxed on any interest earned each year until you withdraw the funds.
Annuity Basics Podcast Episode
Deeper Dive Into Annuities Podcast Episode
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*DISCLOSURE: Investment Advisory Services are offered through American Elite Advisory, a fee-only Registered Investment Adviser. Rothrock Financial Group also offers commissionable insurance products, such as annuities, life insurance, and health insurance. Because Rothrock Financial Group offers these products and earns a commission, there may be a conflict of interest. These products are not affiliated in any way with American Elite Advisory. Nothing on this website should be considered investment or tax advice. Any insurance quotes given are subject to change without notice. We are not connected with or endorsed by the United States government or the federal Medicare program in any way.
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