UNDERATANDING ANNUITIES FOR A SECURE FUTURE

Embark on your journey to a secure retirement with

Valentin Retirement Actions & Tax Planning.

This page is designed to help you understand the different types of annuities and their purpose, so you can make informed decisions about your financial future. We're committed to providing clear, unbiased education.

Types of Annuities Explained

Annuities are a vital tool in retirement planning, offering stable and secure growth strategies away from market volatility. We believe that everyone deserves to be educated on their retirement options, as there's no one-size-fits-all solution. Here, we break down the different types so you can understand their unique benefits and how they can serve your specific needs, keeping in mind associated fees and purposes.

Fixed Indexed Annuities (FIAs)

FIAs offer growth potential linked to a market index, without direct exposure to market losses. They provide principal protection and the opportunity for upside, serving as a stable growth strategy while shielding your retirement savings from downturns. Understand their participation rates and caps.

Multi-Year Guaranteed Annuities (MYGAs)

MYGAs provide a guaranteed interest rate for a specific number of years, offering predictability and security similar to a CD but often with better rates. They are ideal for those seeking stable, secure growth without market risk, ensuring a consistent return on their investment.

Income Annuities (SPIAs, DIAs, QLACs)

These annuities (Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts) convert a lump sum into a guaranteed income stream, either immediately or at a future date. They address longevity risk, ensuring you don't outlive your savings, and can often be enhanced with income riders for added flexibility and protection.

Why Annuities for Your Retirement?

Anyone planning for their retirement future needs to be educated on the available options. While the stock market offers growth opportunities, it comes with significant risk. Not everyone's personality aligns with high-risk investment, especially concerning retirement money. Annuities are designed as a stable and secure growth strategy, not primarily a money growth tool, offering peace of mind and protection against market fluctuations. We also provide a simple annuities calculator to help you visualize potential outcomes.

Your Trusted Annuity Educator

What makes our guidance unique? We offer step-by-step, clear, and easy-to-understand explanations as an independent agent working with over 100 companies. As a fiduciary with strong faith values, I am a good listener, an educator, not just a salesperson. Bilingual support is available, and all consultations are no-pressure, from the comfort of your home.

Ready to Explore Your Options?

Once you understand annuities better, the very next step is to connect with us. We invite you to call and schedule a 1-on-1 Q&A or a 'get to know you' meeting. Let's discuss your unique retirement goals and how annuities can provide the stability and security you deserve.