Annuities
Income you can't outlive
An annuity converts a portion of your savings into guaranteed income — for a set number of years, or for as long as you live. In an era when few of us have pensions, an annuity is how you build your own: predictable checks that keep arriving no matter how long you live or what markets do. Fixed and fixed-indexed annuities also grow tax-deferred with principal protection along the way.
- Guaranteed lifetime income options
- Tax-deferred growth on your savings
- Principal protection with fixed & indexed annuities
- Protects against outliving your money
Your personal pension
Longevity is the retirement risk nobody can predict: your savings need to last 20, 30, maybe 40 years. An income annuity solves it directly — you convert a lump sum into payments guaranteed for life, creating a floor of income that covers essentials no matter what. Social Security plus annuity income means the bills are paid before you ever touch your portfolio.
Growth without market risk
Fixed annuities pay a guaranteed interest rate — often meaningfully higher than CDs. Fixed-indexed annuities credit interest based on a market index with a floor that protects your principal in down years. Both grow tax-deferred, which means your money compounds faster than in a comparable taxable account.
The fine print, translated
Annuities vary enormously — surrender periods, rider fees, payout options, and crediting methods all matter. Some are excellent; some deserve their reputation. May's job is to translate the fine print, compare offers across multiple highly rated carriers, and only recommend an annuity when it genuinely fits your retirement picture. No pressure, ever.
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