Annuities & Structured Settlements
Evaluation of annuities and structured settlement strategies designed to provide predictable income streams and long-term financial stability.
When predictable income is part of the plan.
Annuities are not the right answer for every situation, and they're not the right answer for every part of any one situation. They are one of several tools available for converting savings into a more predictable income stream, and they can play a useful role in retirement income strategies, particularly for clients without a meaningful pension.
We evaluate annuity options against the rest of the plan: how much guaranteed income is needed, how much liquidity must be preserved, how the contract's costs compare to alternatives, and how guarantees are supported. The recommendation, if any, fits within the broader retirement income strategy.
How we work on this with you.
- Income gap analysis
- Annuity vs. systematic withdrawal modeling
- Fixed, indexed, and variable annuity review
- Existing annuity policy review
- Structured settlement evaluation*
- Liquidity and contract cost analysis
Important: Annuity guarantees are based solely on the claims-paying ability of the issuing insurance company. Annuities are long-term products; surrender charges, fees, and tax consequences may apply. Withdrawals before age 59½ may be subject to a 10% federal tax penalty. Variable annuities involve investment risk and may lose value.
*Structured settlement services are accessed through a third-party and are not affiliated with LPL Enterprise, LPL Financial, Solera Advisory Group, or Prudential.
Other ways we may be able to help.
Retirement Planning
Comprehensive retirement strategies including accumulation planning, retirement income strategies, Social Security analysis, and tax-efficient distribution planning.
Learn more → 04Insurance & Asset Protection
Evaluation and implementation of life, disability, and long-term care insurance strategies designed to help protect income, assets, and overall financial security.
Learn more → 02Wealth Management & Investment Advisory
Customized portfolio construction, asset allocation, risk management, and ongoing investment monitoring focused on long-term growth and tax awareness.
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