Annuities
Annuities can be used as part of a retirement income or long-term planning strategy. They are insurance products designed to help address specific goals, such as creating predictable income, protecting principal, earning a guaranteed interest rate, or planning for future retirement needs. National Benefits Consultants helps Colorado individuals and retirees review annuity options in plain English. Our goal is to help clients understand how an annuity works, what problem it is intended to solve, and whether it fits their broader financial picture. Based in Centennial, Colorado, National Benefits Consultants provides practical annuity guidance for clients who want to make informed long-term decisions.
Annuity Guidance That Fits Real Life
Annuities are not one-size-fits-all products. The right fit depends on your age, income needs, risk comfort, liquidity needs, tax situation, time horizon, and overall retirement plan.
Some people consider annuities because they want more predictable income. Others want principal protection, a fixed interest-rate guarantee, or a conservative place for a portion of their retirement savings.
The most important question is not “Which annuity sounds best?” The better question is:
What job do you want the annuity to do?
Some people consider annuities because they want more predictable income. Others want principal protection, a fixed interest-rate guarantee, or a conservative place for a portion of their retirement savings.
The most important question is not “Which annuity sounds best?” The better question is:
What job do you want the annuity to do?
Common Reasons People Review Annuities
People may review annuity options when they want to:
- Create retirement income
- Protect part of their savings from direct market losses
- Lock in a fixed interest rate for a set period
- Plan future income
- Compare conservative alternatives
- Review rollover options
- Understand surrender charges and liquidity limits
- Add predictability to part of a retirement plan
What We Help Clients Understand
National Benefits Consultants helps clients review the practical parts of an annuity decision, including:
- What type of annuity is being considered
- What problem the annuity is supposed to solve
- How interest or income may be calculated
- When income may begin
- How surrender charges work
- What access you have to your money
- What guarantees are offered
- What risks or tradeoffs should be reviewed
- How the annuity fits with the rest of your retirement plan
Annuity Education Videos
Accumulation Phase
During the accumulation phase, an annuity may help you build value over time on a tax-deferred basis. This phase is often used by individuals who want to grow assets for retirement and explore options that align with their time horizon and risk tolerance.
Distribution Phase
During the distribution phase, an annuity can be used to create a stream of income in retirement. For some individuals, this can help provide more predictability and support a broader retirement income strategy.
401(k) and IRA Rollovers
If you are retiring, changing jobs, or reviewing your current retirement assets, you may want to evaluate whether an annuity is appropriate as part of a rollover strategy. National Benefits Consultants can help you review your options and understand how annuities may fit into your overall retirement plan.
Retirement Income Planning
How National Benefits Consultants Helps
National Benefits Consultants helps clients review annuity options with practical guidance and straightforward comparisons.
We help clients understand the purpose of the annuity, the tradeoffs involved, and whether the product fits their goals, timeline, income needs, and comfort with risk.
Our goal is to help clients make informed decisions before committing money to a long-term annuity contract.
We help clients understand the purpose of the annuity, the tradeoffs involved, and whether the product fits their goals, timeline, income needs, and comfort with risk.
Our goal is to help clients make informed decisions before committing money to a long-term annuity contract.
Need Help Reviewing Annuity Options?
Need help reviewing annuity options, retirement income planning, product comparisons, rollover considerations, or conservative strategy options? Call 720-488-9892 or contact National Benefits Consultants to discuss your annuity questions.
Related topics: How Annuities Work | When an Annuity May Make Sense | Fixed Index Annuities | Multi-Year Guaranteed Annuities (MYGAs) | Single Premium Immediate Annuities | Annuities for Retirement Income | Annuity vs. CD | What Is a Surrender Charge in an Annuity? | Can You Lose Money in an Annuity? | Life & Annuities