Enjoy Your Retirement Annuity

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Yellowbrick Financial

Enjoy Your Retirement with the right Annuity

At Yellowbrick Financial, we offer a diverse range of annuity options to suit your individual retirement goals and financial situation. Whether you're interested in fixed annuities, variable annuities, or indexed annuities, our knowledgeable agents are here to help you find the right solution for your needs.

  • Guaranteed income for your future.
  • Invest for growth potential and flexibility.
  • Balance growth with downside protection.
We Help You Choose

Types of Annuities

Explore the different types of annuities available, including fixed, variable, fixed index, and immediate, to find the best fit for your retirement goals.

Fixed annuities offer a stable and predictable retirement income solution, providing a guaranteed fixed rate of return on your premium contributions. When you’re ready to start receiving income, a fixed annuity delivers a reliable stream of payments, ensuring a consistent cash flow throughout your retirement years.

Variable annuities provide the potential for higher returns by allowing you to invest in various sub-accounts tied to the financial markets, albeit with less predictability compared to fixed annuities. While your earnings may fluctuate based on market performance, variable annuities offer the benefit of tax-deferred growth, meaning you won’t owe taxes on any investment gains until you begin taking income payments.

Fixed index annuities offer a balance between safety and growth potential, combining the security of a guaranteed minimum interest rate with the opportunity for additional earnings based on the performance of a specified market index. This type of annuity protects your principal while still allowing for the possibility of increased returns, depending on market conditions.

Immediate annuities differ from the more common deferred annuities by providing income payments within a year of your initial investment. Rather than waiting several years to begin receiving income, you make a single, lump-sum contribution, and the annuity provider then distributes payments based on your chosen schedule, whether for a specific period or for the remainder of your life.

Retirement Planning

Maximize Your Retirement Savings with Annuities

Annuities can be a valuable part of retirement planning, providing a steady stream of income during your golden years. With their ability to offer guaranteed income and tax advantages, annuities can play a crucial role in a diversified investment portfolio.

Tax Advantages

Invest in Your Future with Annuities

With tax deferral and income guarantees, annuities provide a secure way to invest in your future. Start planning for a worry-free retirement today.

Each Annuity Provides a set of Benefits

Benefits

Fixed
Fixed Indexed
Variable
Variable
Instant income stream

Tax-Deferred Accumulation

Legacy Assurance
Market Growth Opportunity

Market Loss Protection

Guaranteed income for life
Inflation Protection

Please keep in mind that while the benefits mentioned are commonly associated with the respective annuity types, the specific features and provisions may vary depending on the individual contract. Each annuity is uniquely designed to cater to the owner’s specific needs and goals, so it’s essential to review your contract carefully to understand the exact benefits and limitations that apply to your situation.

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Help Center

Frequently asked questions

Quick answers to questions you may have. Can't find what you're looking for? Check out our full documentation.

An annuity is a financial product that provides a steady stream of income over a specified period of time, often used for retirement planning.

Annuities work by investing a lump sum of money, which then grows tax-deferred until withdrawals are made. The amount of income received depends on the terms of the annuity contract.

The main types of annuities are:

  1. Fixed Annuities: Offer a guaranteed fixed rate of return and predictable income payments.
  2. Variable Annuities: Provide the potential for higher returns tied to market performance, with less predictability.
  3. Fixed Index Annuities: Combine a guaranteed minimum interest rate with potential growth linked to a market index.
  4. Immediate Annuities: Begin providing income payments within a year of the initial lump-sum investment.
  5. Deferred Annuities: Require an accumulation phase before income payments start, allowing for potential tax-deferred growth.
  6. Lifetime Annuities: Provide guaranteed income payments for the remainder of the annuitant's life.
  7. Period Certain Annuities: Offer income payments for a specified period, such as 10 or 20 years.
  8. Joint and Survivor Annuities: Continue providing income payments to a surviving spouse after the primary annuitant's death.
  9. Qualified Annuities: Funded with pre-tax dollars and subject to required minimum distributions (RMDs).
  10. Non-Qualified Annuities: Funded with after-tax dollars and offer more flexibility in terms of contributions and withdrawals.

There are several types of annuities, including fixed annuities, variable annuities, indexed annuities, and immediate annuities. Each type has its own features and benefits.

Annuities can be a good investment option for individuals looking for guaranteed income in retirement and tax-deferred growth. However, it's important to consider your financial goals and risk tolerance before investing.

To buy an annuity, you can work with a life insurance agency like Yellowbrick Financial. Our experienced agents will guide you through the process and help you choose the right annuity for your needs.

Explore Your Annuity Options Today

Schedule a consultation with a Yellowbrick Financial advisor to discuss your annuity options.