Financial Strategists New york | Taurus Financial Services

ANNUITIES

Retirement income you can't outlive, from a New York annuity advisor

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 — 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.

★ ★ ★ ★ ★

I rolled over my 401(k) into a fixed indexed annuity and for the first time I know exactly what my retirement income will be. They explained it until it made sense.

Helen M.

Annuity client, New York

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 — 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 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.

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, free.