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Tax-deferred Fixed Annuities

Reduce your taxable income today while saving for tomorrow.

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