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Financial Solutions
Uplift Path
Fixed Annuities
Protect Your Savings • Grow With Guarantees • Create Lifetime Income
A fixed annuity is one of the most reliable tools available for people who want steady, predictable growth without the ups and downs of the stock market. Whether you have money sitting in an old employer retirement plan or an IRA you’re not actively contributing to, a fixed annuity can help you turn those dollars into a more secure financial future.
Perfect for “Old Money” Sitting in Retirement Accounts
Many people have money left in old 401(k)s, 403(b)s, pensions, or IRAs they haven’t touched in years. These accounts often sit unprotected or exposed to market risk—even though they represent years of hard work.
A fixed annuity can help you:
Roll Over Old Retirement Accounts Safely
You can move old employer-sponsored plans or existing IRAs into an annuity through a direct, tax-free rollover. This keeps your money protected and continues your tax-deferred growth.
Add Stability to IRA Funds
If your IRA is too volatile or you’re approaching retirement, a fixed annuity offers guaranteed interest and predictable growth—ideal for conservative planning.
Remove Contribution Limits for Additional Savings
Unlike IRAs, non-qualified annuities don’t have annual contribution limits. This makes them a great solution for people who want to save more without restrictions.
How a Fixed Annuity Can Support Your Retirement
Build a Predictable Income Plan
You can set up income to start immediately or at a future date of your choice. This creates a “retirement paycheck” that can last as long as you do.
Create a Smooth Transition Into Retirement
If you plan to retire in the next 3–10 years, a fixed annuity gives you a protected place to grow money until you need it.
Help With Legacy Planning
Annuities can pass assets to your beneficiaries without going through probate, allowing a smoother transfer of wealth.
Why People Choose Fixed Annuities
Guaranteed Growth
Your money earns a locked-in interest rate for a set period—no market risk, no surprises. This makes fixed annuities an excellent option for people who want their savings to grow steadily without worrying about downturns.
Protection of Principal
Your original investment is protected by the insurance carrier. Even in turbulent markets, your annuity value will not drop due to market losses.
Tax-Deferred Earnings
The interest inside a fixed annuity grows tax-deferred. That means you don’t pay taxes on your gains until you take distributions, helping your money compound more effectively over time.
Optional Lifetime Income
If you choose, you can turn your annuity into a dependable paycheck that lasts for life. This can help eliminate the fear of outliving your savings.
Is a Fixed Annuity Right for You?
A fixed annuity may be a good fit if you want:
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Guaranteed growth
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Protection from market volatility
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Tax-deferred accumulation
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The option for lifetime income
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A safe place to move old retirement accounts
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Predictable planning as you get closer to retirement
It may not be the best fit if you need full liquidity right away, as most annuities include a surrender period. However, many offer free withdrawal options each year.
As an independent agent, I compare products from multiple carriers—not just one company—so you get:
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Clear guaranteed-rate comparisons
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Understanding of contract terms and surrender periods
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Help with rollovers and transfers
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Personalized income illustrations
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Straightforward explanations without jargon
My goal is to help you protect, grow, and confidently plan with the money you’ve worked so hard to save.
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