A fixed indexed annuity can be used in your portfolio for future streams of income. Let’s take a moment to understand how an income rider works and how it differs from a pension.

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We investigate and filter retirement annuities to help increase your income and reduce risk. For more information about Annuities offered by Oak Harvest Financial Group, please call us at (877) 896-0400.

00:00 Introduction
01:00 Fixed Index Annuity
05:30 Consumer Questions
10:30 Real-time Numbers
13:00 The Different Uses
20:40 Contact Us!

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More about Jessica Cannella, Co-Founder and President:

As the Co-Founder and President of Oak Harvest Financial Group, Jessica’s mission is clear. Educate, inspire, and financially prepare couples and individuals to enjoy a fearless and fulfilling retirement. With almost two decades of experience in retirement planning, Jessica’s objective is to alleviate the stress around investment management and financial planning.

Jessica engages all levels of financial savvy, from the novice to the expert. She believes that clarity begets confidence. She has worked with hundreds of families to cultivate a retirement vision and connect their unique vision to their customized financial plan.

No two plans are identical. A financial plan is a starting point, a path to start down. However, life can throw curve balls. Therefore, every plan we put together needs flexibility. Communication and mutual understanding are the corner stones of bringing your retirement vision to reality.

“Think of my team and I as the bumpers at a bowling alley; think of yourself as the bowling ball. Our purpose is to keep you out of the gutter and hitting strikes in retirement” Jessica Cannella….(read more)

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As we near retirement age, we start to think about the future and the income streams that will keep us financially stable. One such income stream that has been gaining popularity in recent years is a fixed indexed annuity (FIA). In simple terms, it is a type of insurance product that offers a guaranteed minimum interest rate and a potential return based on the performance of an underlying index. Let’s explore how FIAs can be used as a part of your portfolio to ensure future streams of income.

To begin with, FIAs can provide a steady stream of income during the retirement years. The guaranteed minimum interest rate offered by FIAs ensures that your initial investment will not diminish in value. Additionally, FIAs offer the option of receiving payments for a set period or for the rest of your life, providing certainty and predictability in retirement planning.

Another advantage of using a FIA for future streams of income is that they can offer a partial hedge against inflation. The potential returns offered through the underlying index can add some growth to your investment, which in turn can help to keep up with inflation. While there is no guarantee that the return performance of the underlying index will result in a positive return, funds invested in FIAs may offer higher returns as compared to traditional fixed income investments.

FIAs also offer tax-deferred growth, meaning the income earned is not taxed until it is withdrawn. This can be particularly helpful for those who have tax burdens in their retirement years. Many retirees rely on Social Security and their retirement savings as their primary sources of income, and FIAs can help to minimize taxes on these important income streams.

Finally, FIAs can offer more diversification to your portfolio, which in turn offers more security and stability. This is especially important as one approaches retirement age, when they may want to take a more conservative and defensive approach to their investments. By investing in a FIA, you can add a reliable, steady income stream to your portfolio that is not highly correlated with the stock market. This can help to cushion your portfolio against fluctuations in the markets and provide peace of mind.

In conclusion, FIAs can be an excellent tool for ensuring future streams of income in your portfolio. They offer a guaranteed minimum interest rate, potential for growth based on an underlying index, partial protection against inflation, tax-deferred growth, and diversification. While the return is not guaranteed, investing in a FIA can be a part of smart retirement planning and a sound investment strategy.