Annuities That Help Secure Long-Term Income

Build Predictable Income for an Unpredictable Future

When you’re planning for retirement, the biggest question is often: Will my income last? Annuities offer a reliable way to generate income that you can’t outlive. We help professionals, pre-retirees, and retirees in Southern California and beyond use annuities as part of a broader retirement strategy—offering peace of mind, tax advantages, and protection from market volatility. Whether you’re looking for growth, income, or both, we’ll walk you through the options that fit your goals and risk tolerance.

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What We Do 

Annuities Built Around Your Retirement Goals

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Annuities aren’t one-size-fits-all. We help you understand how each type works, when to use them, and how they can fit into your retirement income plan. Whether you want guaranteed payouts, protection from downturns, or flexible access to funds, we’ll help you choose the structure that works best for your lifestyle and timeline.

Fixed Annuities

A predictable option with guaranteed interest rates and stable growth. Ideal for conservative investors looking for a safe way to earn income over time.

Fixed Indexed Annuities (FIAs)

Combine the security of a fixed annuity with the growth potential tied to a market index—without the risk of losing principal due to market drops.

Immediate Annuities

Designed to start paying income right away, these are a popular choice for retirees looking to convert a lump sum into a steady payout.

Deferred Income Annuities

These annuities delay income until a future date—ideal for those still working or wanting to lock in future income now.

rollover options

Move funds from a 401(k), IRA, or other retirement account into an annuity without triggering taxes—providing continued tax-deferred growth and the option to convert savings into guaranteed income.

Common Questions About Annuities

  • What exactly is an annuity?

    An annuity is a contract with an insurance company that provides income in exchange for a premium. It can start payments right away or at a future date and may offer guaranteed income for life.

  • Are annuities a good fit for retirement planning?

    For many people, yes. Annuities offer tax-deferred growth and can provide guaranteed income regardless of market conditions. They're particularly useful for covering fixed expenses in retirement.

  • What’s the difference between a fixed annuity and an indexed annuity?

    A fixed annuity pays a guaranteed rate, while an indexed annuity’s performance is linked to a market index (like the S&P 500) with downside protection. The indexed version offers more potential upside with moderate risk.

  • Can I lose money in an annuity?

    Some annuities (like variable annuities) carry risk, but fixed and indexed annuities protect your principal. We’ll help you understand which options carry risk and which prioritize preservation.

  • How are annuities taxed?

    Earnings grow tax-deferred, but income is taxed as ordinary income when withdrawn. If you withdraw funds before age 59½, you may also face an early withdrawal penalty unless you’re using a qualified exception.