Retirement brings decisions about savings, benefits, spending, and income. We help you look at those decisions together and understand the options available for your stage of life.
Understand your choices before making a change.
Connect your savings with the income you may need.
We help you consider how retirement accounts, pensions, Social Security, annuities, and other income sources may work together. The conversation includes spending needs, access to funds, inflation, investment risk, and the possibility of a long retirement.
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Tax-sensitive decisions are coordinated with your tax professional when appropriate.
Contracts with stated interest-crediting terms and conditions, including multi-year guaranteed structures where available.
Contracts with interest calculations linked to an index, subject to limits and contract rules. They are not direct investments in the index.
Contracts with investment options that can gain or lose value, along with contract charges and any optional benefit costs.
Contracts with defined limits on gains and certain losses. These products can still lose value.
Contracts designed to begin income payments either soon after purchase or at a future date, according to their payout terms.
Annuities may involve fees, surrender charges, withdrawal restrictions, and tax consequences. Variable and registered index-linked annuities involve investment risk. Guarantees depend on the issuing insurer’s claims-paying ability. Available products and account services vary.
Do I need an annuity to plan for retirement?
No. An annuity is one possible tool. Whether it belongs in your plan depends on your needs, other resources, and the contract’s features and costs.
When should I review my retirement plan?
A job change, approaching retirement, a change in household needs, or questions about your savings can all be useful starting points.
Frequently asked questions
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