Annuities

The AEPG Difference: Applying our experience and expertise to help ensure you have adequate income for your retirement.

Annuities offer additional options for your retirement planning. They guarantee a steady stream of income that retirees can't outlive, and we find they can be a valuable tool for certain individuals. Available annuities include:

• Immediate annuity – This type of annuity provides the security of tax-advantaged monthly payments for life and offers a variety of options, including the survivor option (pays income to the surviving spouse after the primary annuitant dies); the cash refund option (returns to the named beneficiary any unpaid portion of the original purchase premium); and the period certain option (pays income for a stated period of years even if the annuitant dies).
• Deferred annuity – This type of annuity is more like an investment, tax deferring all income and gain until it is distributed; it also guarantees the right to convert to an immediate annuity.

There are many annuity products on the market – some with high costs or below-market features. Our insurance (CLU^®) and CERTIFIED FINANCIAL PLANNER™ (CFP^®) professionals can help you navigate this complex area and make the best choices to match your goals and personal circumstances.

Based on our research and analysis, we advise whether annuities are a good choice for you. We help you understand your options, the advantages and disadvantages of each type of annuity, and how annuities can fit within your overall wealth management plan. We provide practical, independent recommendations based on our analysis of your specific circumstances and our own experience.

Using this personalized and holistic approach, we provide practical, independent recommendations on the best type of annuity to meet your goals and what carrier offers the most value to you.  

AEPG: Your Accountable Advocate™