Annuity Services
The Annuities Institute was created by a national network of leading financial planners who serve as qualified specialists in helping individuals get the most from annuity products in retirement. Our advisors prioritize personalized service and safety first as experienced planners helping people that want the most security from their invesments possible. Many of our services focus on the evaluation of annuity products as long term investment tools designed to ensure individuals never have to worry about outliving their savings.
Retirement Planning
Everything we do starts with ensuring a clear understanding of your retirement and financial objective exists. There are many unique variables to each individual - ranging from age, savings you have accumulated, where you live, the lifestyle you hope to maintain in retirement, overall health and well being, planning for beneficiaries and heirs, and income requirements to name a few. The best way you can maximize security and growth for your retirement plan is to ensure you are being asked the right set of questions. For more information visit our retirement planning section.
Annuity Recommendations Our main focus for financial planning centers on ensuring that any annuity selected to meet your personal objectives represents the best financial strategy and decision to achieve your unique goals. Our members excel at helping you to create a secure financial plan, and provide superior planning services as independent operators as they can recommend and evaluate annuity products from the widest range of financial companies. This ensures you get the best advice possible, as our planners are not limited or biased in the recommendations they make due to restrictive affiliations. For more information visit our annuity recommendations section.
Annuity Evaluations The Annuities Institute can help you make sense of the vast number of different annuity products being recommended. Our independent evaluation service includes locating and addressing different features of annuity products, determining how they compare with your objectives and retirement plan, calculating interest rate comparisons, evaluating historical interest rates and consumer satisfaction levels, and determining what advantages or disadvantages are associated with annuities under your consideration. We can also assist in evaluating how existing annuities within your portfolio compare against current annuity products, to include reporting on the opportunities and obstacles associated with exchanging your annuity for another. For more information visit our evaluate annuity section.
Rollover Assistance A 401k or IRA rollover is a very popular strategy for individuals changing jobs or preparing to retire. For some individuals, converting an existing retirement plan into a Roth IRA could also be a very advantageous strategy that maximizes future interest compounding and provides significant long term tax relief. Our members have a great deal of experience with 401k, 403b, 457, SEP and IRA plans for retirement planning, and can provide direct assistance to ensure you get the most from your decisions. For more information visit our 401k, IRA or Roth IRA sections.
1035 Exchange Services Every year, thousands of individuals revisit their existing annuity contracts to determine if a better strategy is available based on new market conditions or a change within their retirement plan. A 1035 exchange allows you to transfer into a new annuity without incurring the tax liabilities normally involved with cashing a policy in. You can count on an experienced member of the Annuities Institute to help you get the most from your 1035 exchange, by providing easy-to-understand comparisons of potential annuities, along with a clear review of the impact of any fees involved and the effect of resetting the surrender charge period itself. For more information visit our 1035 Exchange section.
Distribution Planning Depending on your current age, income and retirement need, distribution planning can be an integral part of your retirement strategy to maximize income and reduce tax liabilities. For some individuals, it is important to maintain a set income level to avoid higher tax brackets for Social Security, pension and retirement income. The Annuities Institute can provide straight forward advice and planning recommendations based on your lifestyle needs, to include analysis of your current and planned future incomes and the strategies you can utilize to maximize benefits. For more information visit our distribution planning section.
Income Generation Creating a fixed income that can be permanently relied upon is one of the most important benefits and entitlements a retiree can have to ensure peace of mind and security. The immediate annuity is the only financial product that guarantees a fixed income for life, with many additional options available to protect your family, spouse or heirs. The Annuities Institute specializes in helping you get the most from your retirement plan, by ensuring that your investments effectively meet your retirement income objectives. For more information visit our income generation section.
Tax Planning There are many unique ways that an annuity can help you maximize the growth of your retirement savings, with the most popular being the long term compounding advantages that the tax-deferred annuity creates. Beyond just annuities though, there are a number of important tax planning strategies you can utilize, to include estate preparation for heirs, effective distribution planning, life policies to offset income taxes for beneficiaries, and asset protection planning to protect against the high costs of long term care. For more information visit our tax planning section.
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