Annuities help prepare you and your family for a long and fulfilling future.  Retirement is the goal we all work for, no more early morning alarm clocks, time cards, meetings or stress.  It's the end of the daily grind and the start of enjoying life and pursuing the passions that were once put on hold because work took up too much time.  Planning what you will do after you don't have a work-specific set schedule isn't hard, in fact you probably already have a full schedule planned.  The hard part is how to properly handle, plan and work your cash flow.  Even with the best planning you may not have put enough money away.  What happens if you can no longer afford the cost of living that you're accustomed to?  Estling Naples Insurance can help ensure that you retire the way you want to and are able to pursue the passions and dreams you've been putting on hold for all these years.  Give us a call to schedule an appointment with our specialized team to get the ball rolling.

Who will pay for your retirement?

Social Security is no longer a reliable means of cash flow and employer sponsored pensions aren't as solid as they once were.  The baby boomer generation continues to age and live longer they are putting a strain on the Social Security system and it may be too thin to provide you any substantial income when your time to retire comes.  In order to assure you have the money to retire and live the way you want, more money must be invested from your own savings.  An annuity can help provide and protect your retirement money regardless of the state of Social Security.

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How does an annuity fit into a retirement plan?

An annuity will guarantee you a steady stream of income after your work based paychecks stop, in addition to helping you save for retirement.

In the event there is a gap between what you expect to receive from employer sponsored pensions and Social Security, an annuity will help fill these gaps.

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Need to know: Fixed and Variable Annuity

The two general types of annuities are fixed and variable.  Options for income payments and tax deferral on earnings are available for both.  They differ in how they earn interest.

Fixed Annuity does what it sounds like, it earns at a fixed rate.  You'll allocate money to the insurance company for a fixed period of time and in return, the insurance company will provide you with a guaranteed interest rate.

Variable annuity earns at a variable rate. They differ from a fixed annuity in that your money will be allocated into sub-accounts of your choosing.  Inside these sub-accounts your money is invested into stock, bond or money market mutual funds.  In return you'll receive a rate that varies based on the performance of the underlying funds.

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How do I choose an annuity?

There are a number of different factors to consider when choosing an annuity.  Your expected retire date, risk tolerance and amount of money and time you have to invest, if you're single, married or have dependents will all determine which is the most logical choice for you.  It's extremely important to discuss these options with a financial professional so you choose the right annuity for you.

With years of experience our firm has a team is here to assist you with any questions or concerns and to meet with you to help define your retirement goals and fulfill your needs.

Please Call Us Today: 239-594-9567