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Home » Financial Services » Annuities

Annuities in Greenville, SC

Today, a retirement income setup depends almost entirely on the individual. This is why there’s the option of a guaranteed* fixed income factor that will fit into your individualized retirement strategy. To sum up, an annuity addition to your strategy can help to ensure that a percentage of your retirement income can be guaranteed. What is an annuity? Simply put, it’s a contract that’s purchased from an insurance company. Once you pay a premium, you hold claim to certain fixed and variable interest options for crediting that can defer taxes until it’s withdrawn for use.

Once you’re at the point for income distribution, there are many guaranteed payout options available to you. Certain annuities have conditions which, every year, let you get a withdrawal percentage of the contract value up to a particular limit. Keep in mind, however, that any withdrawal that occurs can reduce the value of the contract and any protected benefits included. Excessive withdrawals that fall above the limit that’s set in place may acquire something called a surrender charge, occurring between the first 5–15 years of the contract. Any annuity withdrawal that is made before the age of 59.5 may incur a 10% penalty fee. Income taxes may be applied to all withdrawals.

*Annuity guarantees are dependent on the ability and strength of the insurance company. Any annuity may be subject to surrender charges, holding periods, and fees. These stipulations may vary depending on the career. FDIC insurance doesn’t apply to annuities.

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We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. Securities offered through Madison Avenue Securities, LLC (MAS) Member FINRA/SIPC. MAS and Phillip Allen Inc., Common Sense Retirement Planning or Tony Dale, Inc are not affiliated entities.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

*Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.