The biggest fear in retirement isn't dying early — it's running out of money while still alive. An annuity solves that problem permanently with a guaranteed income stream that lasts as long as you do.
An annuity is a financial contract where you deposit a lump sum or series of payments, and in return receive a guaranteed monthly income — for a set period or for life.
A lifetime annuity pays you every single month for as long as you live. You simply cannot outlive it — no matter how long you live.
Your principal grows tax-deferred inside the annuity. You only pay taxes when you take distributions — maximizing your growth years.
Fixed and fixed-indexed annuities protect your principal from market volatility while still providing growth opportunities.
Joint-life annuities continue paying your surviving spouse. Death benefit riders ensure your heirs receive remaining value.
Different types serve different goals. Larry will match you to the right product based on your timeline, income needs, and risk tolerance.
Provides a guaranteed, fixed interest rate for a set period. Predictable, safe, and simple — ideal if you want zero uncertainty in your retirement income.
Links growth to a market index with a 0% floor. Earn when markets rise, lose nothing when they fall. Best of both worlds — growth potential with downside protection.
Deferred annuities accumulate value over time. Immediate annuities begin payments right away — ideal for those close to or already in retirement.
and want a reliable income stream you can't outlive regardless of what the market does.
from a 401(k) rollover, pension payout, inheritance, or savings that needs to work harder for you.
with additional predictable monthly income that covers your fixed expenses completely.
and want a portion of your retirement income protected from any market crash, permanently.
while still receiving income for life — death benefit riders make both possible at the same time.
is what you could lose from your annuity principal in a market crash. Fixed and fixed-indexed annuities guarantee a 0% floor — your principal stays intact no matter what.
A properly structured annuity can cover your essential monthly expenses for life — rent, utilities, food, insurance — and let you spend your other assets freely.
Larry will run real projections based on your actual savings — showing you exactly what guaranteed monthly income you could receive starting at different ages and contribution amounts.
Fill out the form and Larry will personally review your annuity options and show you exactly what kind of guaranteed monthly income you could receive.
Larry will reach out within 24 hours with your personalized options.
No jargon, no spin — just straight answers to the questions people ask before they decide.