ANNUITIES
Retirement income you can't outlive, from a New York annuity Strategist
Turn part of your savings into a guaranteed paycheck. We compare fixed and indexed annuities from trusted carriers and explain every option in plain language.
No obligation · 30 minutes · English or Español
or call (888) 985-6982
THE BASICS
What an annuity actually does for you
An annuity is a contract with an insurance company: you put money in, and the company guarantees you income with interests for a set number of years, or for the rest of your life.
As licensed annuity advisors serving New York families, we help you decide whether an annuity belongs in your plan, which type fits, and which carrier offers the strongest guarantee for your money. No jargon, no pressure — and if an annuity isn't right for you, we'll say so.
Most of our clients come to us with the same worry: "Will my savings last?" Social Security alone rarely covers a comfortable retirement, and market swings can shrink a 401(k) at exactly the wrong time.
An annuity answers that worry with a number you can count on every month — which is why it often works alongside a broader retirement plan rather than replacing one.
KNOW YOUR OPTIONS
Fixed, indexed, or immediate — which fits you?
Three main paths. We'll walk you through the honest trade-offs of each.
STEADY & SIMPLE
FIXED ANNUITY
A guaranteed interest rate for a set period. You know exactly what you'll earn, no matter what the market does. The most predictable option there is.
Fits: savers who want certainty above all
GROWTH WITH PROTECTION
FIXED INDEXED ANNUITY
Your growth tracks a market index, but your principal is protected from market losses. More upside in good years, no losses in bad ones.
Fits: pre-retirees growing money they can't afford to lose
INCOME NOW
Immediate Income Annuity
Fund it once, and the paychecks start right away — monthly income guaranteed for life or for a term you choose.
Fits: retirees ready to turn savings into income today
IS IT RIGHT FOR YOU?
An annuity may fit if...
You're within 10–15 years of retirement, or already retired
You have a 401(k), IRA, or savings you want protected from market drops
You want income that's guaranteed, not hoped for
You'd sleep better knowing a check arrives every month, for life
Sound like you? The next step is a conversation, not a contract. We'll run your numbers, compare real carrier offers, and you decide with everything in front of you.
Serving New York — and now Connecticut & New Jersey
Our annuity advisors are licensed in New York, Connecticut, and New Jersey, with support in English and Spanish. Wherever you are in the tri-state area, the consultation is free and the math is honest.
GOOD TO KNOW
Annuity questions, answered straight
What is an annuity and how does it work?
It's a contract with an insurance company. You put money in, and the company guarantees you income with interest — starting now or at a date you choose. Many people use one to turn part of their savings into a paycheck that lasts as long as they live.
What's the difference between fixed and indexed annuities?
A fixed annuity pays a guaranteed rate, so you know exactly what you'll earn. A fixed indexed annuity ties growth to a market index while protecting your principal from losses — more upside growth in good years, no losses in bad ones.
Are annuities safe?
Fixed and fixed-indexed annuities are backed by the issuing insurance company, which is why we only work with established, highly rated carriers. Your principal in these products is protected from market losses. Annuities have been around for more than 100 years.
How much do I need to start?
It varies by product and carrier, and it's often lower than people expect. Rolling over an existing 401(k) or IRA is one of the most common ways to fund one. We'll look at your numbers together and determine where to start at no cost.
What states do you cover?
We're licensed for annuities in the Tri-state area.
Find out what your guaranteed income could be
Find out what your guaranteed income could be
One free conversation with no obligation. We run your numbers through real retirement calculators and real carrier quotes.
Protecting and building wealth for every family for over 24 years.
Call: (888) 985-6982
Email: [email protected]
Serving New York, New Jersey, Connecticut, Delaware, Virginia, North Carolina & Florida.
GET IN TOUCH
Ready to talk?
Book a free consultation, and we'll take it from there.
© 2022 Taurus Financial Services. Licensed insurance agency. Se habla español.