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You have likely heard that an ANNUITY can be a way to create retirement income and defer year end taxes. What are annuities? How can you tell if one is right for you?

An annuity is a financial product that pays out a fixed stream of payments to an individual, primarily used as an income stream for retirees.

There are five major categories of annuities:

Fixed, Variable, Fixed-Indexed, Immediate and Deferred Annuities.

Which is best for you depends on several variables, including your risk orientation, income goals, and when you want to begin receiving annuity income.

There are pros and cons related to having annuities in a retirement portfolio.

How does all of this relate to you and your situation?

Contact Gail to clarify questions and eliminate confusion. No question is too big or too small.

A 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts. Employers can contribute to employee accounts.

Determining the benefits of keeping your 401(k) as it is, (or rolling it over) commands a professional review. Gail is highly experienced in the determination of this concern. She can help you.

An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax deferred basis. The three most common types of IRA's are the Traditional IRA, Roth IRA and Rollover IRA. Gail can help with many questions that commonly arise regarding IRA’s, such as: Funding an IRA, Restricted Investing, Distribution of Funds, Borrowing, Taxation, Inheritance, Protection from Creditors and Bankruptcy Exemptions.

A PENSION is a type of retirement plan that provides monthly income in retirement. Government organizations usually offer a pension, and some large companies offer them. With a pension plan, the employer contributes money to the pension plan while you are working.

In the end everyone wants to protect the assets they have accumulated and provide funds for FINAL EXPENSES when needed. LIFE INSURANCE is commonly thought of as the simple solution.

One of the greatest threats against accumulated assets and life insurance proceeds is illness. Both can be depleted to cover medical costs. In order to ensure the funds that will be needed are available when needed, one must properly plan for the unexpected.

There is not a one-size-fits-all solution. Each individual situation can vary extremely from another. What works for a friend or relative may not be the best solution for you. The way to know what is right for you is to get a professional assessment based on your unique situation.

By reviewing and updating your coverage any holes that exist in your financial safety net can be corrected.

The needs of the consumer significantly change throughout life. The only way to ensure that you are adequately protected is to review your position. Get information today.