Fixed Annuities
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Understanding the Financial Benefits of a Fixed Annuity
At ALEVO, we specialize in protecting the financial well-being of individuals, businesses, and families. One of the tools we often recommend for secure retirement planning is a fixed annuity. But what makes fixed annuities a valuable addition to your financial strategy?
A fixed annuity is an insurance product that provides a guaranteed rate of return on your investment, ensuring a steady income stream during retirement. Unlike variable annuities, which fluctuate with market conditions, fixed annuities offer stability and predictability.
Key Financial Benefits of Fixed Annuities:
Guaranteed Income Stream: Fixed annuities provide a reliable source of income, which can be tailored to last for a specific period or for the rest of your life.
Tax-Deferred Growth: The earnings on your investment grow tax-deferred until you start making withdrawals, potentially placing you in a lower tax bracket during retirement.
Protection of Principal: Your initial investment is protected from market volatility, ensuring that your principal amount remains intact.
Predictable Returns: With a fixed interest rate, you know exactly how much your investment will grow over time, aiding in precise financial planning.
No Contribution Limits: Unlike IRAs and 401(k)s, fixed annuities do not have annual contribution limits, allowing you to invest more toward your retirement.
Flexible Payout Options: Choose from various payout plans that best suit your retirement needs, whether it’s lifetime income or payments over a fixed period.
Why Consider a Fixed Annuity with ALEVO?
At ALEVO Annuities, we specialize in protecting the financial well-being of individuals, businesses, and families. One of the tools we often recommend for secure retirement planning is a fixed annuity. But what makes fixed annuities a valuable addition to your financial strategy?
A fixed annuity is an insurance product that provides a guaranteed rate of return on your investment, ensuring a steady income stream during retirement. Unlike variable annuities, which fluctuate with market conditions, fixed annuities offer stability and predictability.
Final Thoughts
A fixed annuity can be a cornerstone of a secure retirement plan, offering peace of mind through guaranteed returns and income. At ALEVO, we’re committed to helping you navigate your retirement planning with confidence and clarity.
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Contact us today to learn more about how a fixed annuity can benefit your retirement strategy.
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ALEVO Financial & Insurance Agency
ALEVO is an Insurance Firm that offers retirement income and protection strategies using life insurance and annuity products. Our licensed insurance professionals are independent and can offer a wide array of insurance products and services to help meet your unique needs.
CA insurance license #6002118.
We are not affiliated with any educational or government agency, and do not provide investment, tax or legal advice. Always consult with your own qualified investment and tax/legal advisors. Insurance and annuity products are not suitable for everyone. They involve fees and charges, including possible surrender penalties. Optional benefits and riders may involve additional annual cost. Life insurance involves medical and often financial underwriting to qualify. Life insurance loans and withdrawals will reduce policy death benefits and cash values and may cause the policy to lapse or require additional premiums to keep the policy in-force. Annuity withdrawals are subject to ordinary income taxes, and potentially a 10% IRS penalty before age 59-1/2. Product feature and availability may vary by state. Fixed indexed life insurance and annuities are not investments in the market or index. The interest credited on your contract may be affected by the performance of an external index. However, your contract does not directly participate in the index or any equity or fixed interest investments. You are not buying shares in an index. Interest credits are subject to limits set by the issuing company, such as caps, spreads and/or participation rates.
Guarantees are backed by the financial strength of the issuing company.
We offer expert insurance solutions in form of the most basic individual protection plans to the most complex retirement & business protection plans for individuals as well as businesses.
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