ANNUITIES
Your Annuity Should Have a Job.
And You Should Know Exactly What It Is.
Protection. Income. Tax-deferred growth.
An annuity can serve different purposes depending on your retirement strategy.
We help you understand where it fits and why.
WHY IT MATTERS
You Don’t Need Every Dollar
Taking the Same Risk.
Different parts of your financial portfolio can serve different purposes. Some money may be positioned for growth. Some may need to stay readily available. And some may have a bigger job to do, like protecting what you’ve built or helping create dependable retirement income.
Annuities can help fill some of those roles, depending on the type and how it fits within your broader strategy.
The goal is to understand what each part of your portfolio needs to accomplish and build around that.
What Can a Fixed Index Annuity Do?
Retirement can change what you need from your money. A fixed index annuity can help give part of what you’ve built a role focused more on protection, income, and long-term stability.
Protect Principal
You’ve spent years, maybe decades, building your retirement savings. A fixed index annuity can help protect your principal from direct market losses, giving part of your money greater protection when markets decline.
Create Retirement Income
Retirement may mean leaving your paycheck behind while your everyday expenses continue. A fixed index annuity can be structured to create dependable retirement income, including options designed to provide income for life.
Grow Tax-Deferred
You may want your money to keep growing without paying taxes on credited interest each year. With a fixed index annuity, taxes are generally deferred until you begin taking withdrawals.
Add Balance to Your Strategy
Every dollar does not need to do the same thing. While some of your financial portfolio may remain focused on market growth, a fixed index annuity can give another portion of that portfolio greater protection and a potential source of dependable income.
The Annuity Has to Make Sense for You.
At MTD, we understand that an annuity is only one piece of the picture.
Before we talk about whether one belongs in your retirement strategy, we look at what you already have and what your money needs to support.
The income you’ll need. Money you want available for the unexpected. The expenses you have today and may have down the road. How much risk you’re comfortable taking. And what you hope to leave behind for the people you care about.
Because if it belongs in your strategy, you should understand exactly why.
A Little More Clarity Can Go a Long Way.
Sometimes understanding the basics makes the bigger conversation easier.
How Does Tax Deferral Work?
See what tax-deferred growth means inside an annuity and when taxes generally come into the picture.
Who’s Who in a Fixed Index Annuity?
Get familiar with the people and roles involved, including the owner, annuitant, beneficiary, and insurance company.
Know What Your Money Is
Doing and Why.
You do not have to start from scratch to get a clearer retirement plan.
Bring us what you already have, whether that is an annuity, a retirement strategy, or simply a few questions you have been carrying around.
We’ll help you make sense of how everything fits together, what is already working for you, and where there may be opportunities to make the plan stronger.
We strongly believe that you should feel confident about what you own, why you own it, and how it supports the retirement you are building toward.