Annuities

Curt Lyman, CEO of Alpha Beta Gamma in Palm Beach Gardens Discusses Risk and Reward in Retirement

ANNUITIES FOR RETIREMENT INCOME

Gone are the days of the reliable company pension for retirement. Today’s retirees are faced with saving up money in tax-deferred accounts like 401(k)s, then being left to figure out how to withdraw money tax-efficiently so they don’t run out of money in retirement. All while facing inflation, threats to Social Security and Medicare, and longer life expectancies than any generation that lived before. Annuities can provide a way to create lifetime income that doesn’t run out, along with principal-protection* and growth based on capital market performance.

NOT ALL ANNUITIES ARE THE SAME

A fixed indexed annuity should not be confused with a variable annuity. Variable annuities are securities actually invested in the market, sold by prospectus, and subject to market risk. As a result, their monthly annuitized payout once you take it may be lower than you expect. Fixed indexed annuities (FIAs) on the other hand are subject to the crediting spelled out by the contract, with principal protection when held to term.

An fixed indexed annuity is not an investment, it’s an insurance product. A fixed indexed annuity is a contractually guaranteed transfer-of-risk strategy, and a non-correlated portfolio asset. Your principal and earnings are guaranteed* to never lose value as long as the insurance carrier is able to pay claims. We do the research and typically recommend uncapped FIAs with the lowest fees and highest policy crediting ratios from carriers with the highest historic payouts.

An FIA is not an investment, it’s an insurance product. A fixed indexed annuity is a contractually guaranteed transfer-of-risk strategy, and a non-correlated asset. Your principal and earnings are guaranteed* to never lose value as long as the insurance carrier is able to pay claims. We do the research and typically recommend uncapped FIAs with the lowest fees and highest policy crediting ratios from carriers with the highest historic payouts.

Uncapped fixed indexed annuities are a critical component of Alpha Beta Gamma Wealth Management’s proprietary formula, The Gamma Formula™.

Call Alpha Beta Gamma Risk Management at
(866) 837-0999 for a no-obligation conversation.

*Guarantees and protections of fixed indexed annuities are subject to the claims-paying ability of the issuing insurance company. Fixed indexed annuities are contracts purchased from a life insurance company. They are designed for long-term retirement goals, and also intended for someone with sufficient cash and liquid assets for living expenses and unexpected financial emergencies, including, for example, medical expenses. Depending on the product, fixed indexed annuities may include surrender charges, rider charges and other fees.

A fixed indexed annuity is not a registered security or stock market investment. As such, it does not directly participate in any stock, equity or bond investments, or index. Gains on indexed accounts are based on participation rates and other conditions offered by the issuing insurance company. If purchased with tax-deferred money, withdrawals are subject to income tax, and
withdrawals before age 59½ may be subject to a 10% early withdrawal federal tax penalty.

This website is for informational purposes only and is not intended to provide any recommendations or tax or legal advice.

Alpha Beta Gamma Wealth Management is a registered investment advisor with the SEC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information referenced herein are from sources believed to be reliable but there is no guarantee that such information is reliable. Any opinions, news, research, analysis, prices or other information contained on this website is provided as general investment and market commentary and does not constitute investment advice. Alpha Beta Gamma Wealth Management shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data or other information, or for statements or errors contained in or omissions from the obtained data or other information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change, without notice. This site and the materials contained herein were created for informational purposes only; the opinions expressed herein are solely those of Alpha Beta Gamma Wealth Management.