Annuities — Secure, Grow, and Guarantee Your Retirement Income

An annuity is a powerful, long-term retirement tool designed to help you protect your hard-earned savings, grow your nest egg, and even turn your money into guaranteed lifetime income. At The Income Co-Pilot, we offer a range of annuity products tailored to fit your unique financial goals,  providing downside protection, growth potential, and income you can count on.

Why Consider an Annuity?

If the idea of riding the ups and downs of the stock market makes you uneasy, but you still want a chance to benefit from market gains, an annuity might be the right solution for you. Specifically, a Fixed Indexed Annuity (FIA) offers a conservative approach that blends protection with growth.

What is a Fixed Indexed Annuity (FIA)?

A Fixed Indexed Annuity gives you:

• Protection from market losses — your principal is shielded from market downturns
  
  

• Growth potential linked to a market index (like the S&P 500®) without directly participating in the market
  
  

• Guaranteed income options that can last your lifetime
  
  

This combination helps you grow your retirement savings with less risk — an ideal solution for cautious investors who want stability without missing out on potential gains.

Annuities FAQs

Q: What types of annuities do you offer?
A: We offer fixed indexed annuities, immediate annuities, and fixed annuities, all designed to fit different retirement income and protection needs.

Q: How does an annuity protect me from market losses?
A: Fixed indexed annuities are not directly invested in the stock market, so your principal is protected even if the market goes down.

Q: Can I get guaranteed income for life?
A: Yes! Many annuities include options to convert your savings into a guaranteed lifetime income stream, providing peace of mind in retirement.

Q: Are annuities right for everyone?
A: Annuities are great for those looking for long-term security and steady income. However, everyone’s financial situation is unique, so it’s important to discuss your goals with a trusted advisor.

Q: What are surrender charges?
A: Some annuities have surrender periods where early withdrawals may incur fees. We’ll help you understand these details before you decide.

Q: How do taxes work with annuities?
A: Earnings in an annuity grow tax-deferred. Taxes are paid when you withdraw funds, typically during retirement when your tax rate may be lower.

Ready to Learn More About How Annuities Can Secure Your Retirement?

Let David Brito, your Income Co-Pilot, guide you through the options and help you decide if an annuity fits your retirement plan.

📅 Schedule your free consultation today and take control of your financial future.