When an Annuity May Make Sense
Practical guidance from National Benefits Consultants for clients who want to know when an annuity may fit a retirement strategy and when it may not
Annuities are not the right answer for everyone.
But for the right client, they can be a useful tool for protection, conservative growth, tax deferral, or retirement income planning.
At National Benefits Consultants, we help clients review annuities in a practical way. The goal is to determine when an annuity may fit, when it may not, and how it compares with other planning options.
But for the right client, they can be a useful tool for protection, conservative growth, tax deferral, or retirement income planning.
At National Benefits Consultants, we help clients review annuities in a practical way. The goal is to determine when an annuity may fit, when it may not, and how it compares with other planning options.
Situations where an annuity may make sense
An annuity may be worth considering for people who want:
- more predictable income
- principal protection on part of their assets
- tax-deferred growth
- a more conservative approach to retirement planning
- more structure around part of a retirement strategy
Why National Benefits Consultants takes a practical approach
At National Benefits Consultants, we do not treat annuities like an automatic answer.
We help clients look at:
We help clients look at:
- what they are trying to solve for
- whether growth, protection, or income is the priority
- how much liquidity they want to keep
- how the annuity fits with the rest of the retirement plan
When an annuity may not make sense
An annuity may not fit as well when someone:
- needs more short-term liquidity
- has not defined the purpose of the money
- is focused only on one product feature
- has not looked at the bigger retirement picture
- is being pushed toward a product before the plan is clear
Questions to ask before buying an annuity
1. What is the annuity supposed to do for me?
Growth, protection, income, or some combination.
2. How long can this money stay in place?
That matters with annuity planning.
3. How much liquidity do I want to keep?
The annuity should fit the bigger plan.
4. Does this annuity actually match my retirement goals?
That is the real question.
Growth, protection, income, or some combination.
2. How long can this money stay in place?
That matters with annuity planning.
3. How much liquidity do I want to keep?
The annuity should fit the bigger plan.
4. Does this annuity actually match my retirement goals?
That is the real question.
How National Benefits Consultants helps
At National Benefits Consultants, we help clients review annuity options with a practical, client-focused approach.
We can help with:
We can help with:
- reviewing whether an annuity makes sense
- comparing annuity options
- discussing growth, protection, income, and liquidity goals
- helping clients keep the decision clear and focused
The right annuity should fit a real purpose
An annuity can be useful for the right client, but not every annuity fits every situation.
That is why the review matters. A focused conversation can help determine whether an annuity belongs in the plan and what type of annuity may fit best.
That is why the review matters. A focused conversation can help determine whether an annuity belongs in the plan and what type of annuity may fit best.
Need help deciding when an annuity may make sense?
Call 720-488-9892 or contact National Benefits Consultants to discuss your goals and retirement planning needs.