Retirement Planning and Protection

Key Benefits of Annuities

Annuities offer steady income, protection from market swings, and options tailored to your retirement goals. They help convert savings into reliable cash flow while managing risks like longevity and inflation.

Income Stability and Growth

Annuities provide predictable payments that can last a lifetime. Some types also offer growth linked to market indexes, balancing security with potential income increases.
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Protection Against Market Volatility

Certain annuities shield your retirement income from market downturns by locking in gains and limiting losses, helping maintain financial confidence during uncertain times.
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Integrating Annuities with Your Portfolio

Annuities complement Social Security and investments by securing essential income needs, allowing other assets to focus on growth and lifestyle flexibility.
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Client Experiences with Annuities

Clients share how annuities have provided them with steady income and financial peace during retirement. Their stories demonstrate the practical benefits of annuities in managing income and protecting savings.

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Selecting an annuity through Infinity Financial Solutions gave me a dependable monthly income that supports my daily expenses. It has helped me avoid worrying about market ups and downs and focus on enjoying retirement.

Robert M. Jenkins
4 months ago
Five black stars in a row.

The annuity plan tailored to my retirement goals has provided a reliable income stream while protecting my savings from market volatility. It’s a key part of my financial security strategy.

Linda S. Carter
7 months ago
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Knowing that my annuity income will continue regardless of how long I live has removed a lot of uncertainty. It covers my essential costs and lets me plan my lifestyle without stress.

George T. Franklin
10 months ago

Frequently Asked Questions About Annuities

Understanding annuities is essential for effective retirement planning. Below are common questions that clarify how annuities function and their role in securing steady income.

  • Can I withdraw money from my annuity before retirement?

    Withdrawal options vary by annuity type. Some allow partial or full withdrawals after a certain period, but early access may involve penalties or fees. Review your contract terms to know your options.

  • How is annuity income taxed?

    Tax treatment depends on how the annuity was funded and the payout method. Generally, earnings are taxed as ordinary income when received. Understanding tax rules helps optimize your retirement income.

  • Do annuities adjust for inflation?

    Some annuities include features like cost-of-living adjustments or market-linked growth to help offset inflation. However, not all annuities provide inflation protection, so consider this when selecting a product.

  • What fees should I expect with annuities?

    Annuities may have fees such as administrative charges, mortality and expense fees, and surrender penalties. Knowing all associated costs upfront ensures the annuity fits your financial plan.

  • How do I select the right annuity for my retirement?

    Choosing an annuity depends on your income needs, risk tolerance, and retirement timeline. Consulting a financial advisor can help align the product with your specific goals.

Need More Information?

Clear answers to your annuity questions can help you build a reliable retirement income plan. Contact Infinity Financial Solutions for personalized support tailored to your needs.

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Key Retirement Planning Statistics with Annuities

Annuities provide steady income and protection, making them a vital tool in retirement planning. These statistics highlight their role in creating financial stability and reducing uncertainty for retirees.
75%
Percentage of retirees who rely on annuities to secure a consistent income stream throughout retirement.
65%
Proportion of retirees reporting lower financial anxiety after including annuities in their retirement strategy.
50%
Recommended share of retirement savings that financial advisors suggest allocating to annuities for income protection.
28 years
Average duration retirees need income to last, underscoring the importance of lifetime income options.

Secure Your Retirement Income with Annuities

Contact Infinity Financial Solutions to discuss how annuities can provide steady income and safeguard your retirement savings. Our team will help design a plan tailored to your financial goals and risk tolerance.