Why It Matters
Annuities provide guaranteed monthly income that you can't outlive. Create your own personal pension.
Accumulate wealth on a tax-deferred basis. Pay taxes later when you're in a potentially lower bracket.
Fixed and indexed annuities protect your principal from market downturns while offering growth potential.
Choose immediate or deferred income, lifetime payments, or period certain. Flexible to match your needs.
Leave remaining funds to beneficiaries. Some products offer enhanced death benefits for heirs.
Unlike 401(k)s and IRAs, annuities have no annual contribution limits. Save as much as you want.
How It Works
Meet with Alek Mires to map your retirement date, existing accounts, Social Security timing, and income gap.
We'll compare fixed and fixed-indexed annuity contracts and IUL designs from top-rated carriers.
Complete the contract and, if you're rolling over a 401(k) or IRA, we handle the transfer paperwork with you.
Your contract is funded, growth begins, and you have a guaranteed income stream scheduled for retirement.
Coverage Details
Questions
It's a contract with an insurance carrier. You contribute a lump sum or a series of payments, the money grows tax-deferred, and the carrier later pays you an income stream — for a set number of years or for the rest of your life.
A fixed annuity credits a declared interest rate. A fixed-indexed annuity credits interest based on an index like the S&P 500, subject to a cap or participation rate, with a 0% floor so you never lose principal to market drops.
Yes. Qualified funds can be transferred directly into an annuity without triggering a taxable event. We coordinate the paperwork so the money never passes through your hands.
Most contracts allow penalty-free withdrawals of around 10% per year after the first year. Larger withdrawals during the surrender period incur a declining surrender charge, and IRS penalties may apply before age 59½.
A properly funded indexed universal life policy builds cash value you can access through policy loans, which are generally tax-free and don't count as provisional income against Social Security. It complements, rather than replaces, your qualified accounts.
Any remaining contract value passes to your named beneficiaries, and some contracts offer enhanced death benefit riders. This avoids probate in most cases.
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Permanent coverage that flexes with your income — and builds cash value while it waits.
Learn MoreThe most coverage per dollar — often $500K for the price of a phone bill.
Learn MoreThe lowest premium they'll ever qualify for — locked in while they're young.
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