ANNUITIES
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Annuities are designed to provide income security — especially during retirement. Whether you're planning for the future or seeking reliable income today, annuities can offer stability, tax advantages, and peace of mind by ensuring your money works for you over time.
They can be customized based on your risk tolerance, income goals, and financial timeline, helping you protect your assets while creating a predictable stream of income for the future.
Why Annuities Matter?
Annuities provide guaranteed income when it’s needed most. They can help:
- Create a steady stream of retirement income
- Protect against outliving your savings
- Provide tax-deferred growth opportunities
- Supplement Social Security or pension benefits
- Include living benefits or guaranteed income riders
- Leave a legacy to loved ones through death benefits
Our Approach
At RyBeck Financial Solutions, we believe annuities should be clear, transparent, and tailored to your goals. We’ll help you understand the different types of annuities—fixed, indexed, and variable—and determine which option aligns with your retirement strategy.
You've Made A Good Decision
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Frequently Asked Questions.
Q: What is an annuity and how does it work? A: An annuity is a financial product that provides guaranteed income, typically during retirement. You invest money upfront—either in a lump sum or through payments—and in return, the annuity provides income either immediately or in the future.
Q: Are annuities safe? A: Fixed and indexed annuities are designed with principal protection and may offer guaranteed income; variable annuities include investment options and carry market risk. Our advisors help determine which type aligns with your comfort level.
Q: When should I consider buying an annuity? A: Annuities may be ideal if you’re nearing retirement, want guaranteed income for life, or are concerned about outliving your savings.
Q: Are annuities tax-efficient? A: Yes. Annuities offer tax-deferred growth—meaning you don’t pay taxes on gains until you begin taking withdrawals. This can be beneficial for long-term planning.
Q: Can I access my money before retirement? A: Some annuities allow withdrawals, but early access may come with fees or surrender charges. We'll help review your options before making any decisions.
Q: Do annuities pass to my beneficiaries? A: Yes—many annuity contracts allow you to name beneficiaries so remaining value can be passed on through death benefits.
