Tax-deferred Fixed Annuities

Securities, insurance products, and advisory services offered through Cetera Investment Services, LLC.

If you are looking to build your long-term savings while lowering your current income taxes, tax-deferred fixed annuities may be a smart investment option for you.

What's in it for you?

• Competitive yields, 100% guaranteed principal backed by the claims-paying ability of the issuing insurance company
  
• Easy Access - You can withdraw a portion of your investment every year penalty-free. 
  
• Probate avoidance -b you select the beneficiaries for your annuity, proceeds can be passed directly to your heirs
  
• No initial sales charge or annual fee
  
• If you annuitize, you will receive a regular fixed income from the annuity and can choose to have it paid out over a set time frame or guaranteed for your lifetime
  
• Earnings grow tax-deferred until you withdraw them. They are then taxed as ordinary income
  
• A great benefit of annuities being tax-deferred is triple compounding because your principal, interest and deferred taxes are all compounding 
  
• Tax reduction - annuities may help you reduce taxes on Social Security by reducing your annual taxable income