Life Insurance & RetirementRETIREMENT
Your work can stop.
Your income doesn’t have to.
Explore a personal pension, less exposure to market swings, and more confidence about the years ahead.
Request a consultationComplimentary · 30–45 minutes · In person or virtual
What matters to you?
Create your own paycheck.
Want a personal pension? Certain annuities can turn part of your savings into income for life.
What to know
A personal pension is a way to describe an income strategy, not an employer pension. Payments depend on the annuity, payout option, funding, and terms. Survivor benefits and inflation affect the choice. Income guarantees rely on the issuing insurer’s claims-paying ability.
A market drop shouldn’t decide everything.
If stock-market losses keep you up at night, explore fixed and fixed indexed annuities for a portion of your retirement money.
What to know
Fixed indexed annuities can provide a floor on interest credited when an index falls, with limits on potential growth. They do not invest directly in the stock market. Fees, withdrawals, surrender charges, and adjustments can reduce value. Other annuity types can lose money with the market. Insurance guarantees depend on the issuer’s claims-paying ability.
Know what covers the essentials.
See how Social Security, existing pensions, and other income line up with the life you want.
What to know
Start with expected expenses and the income gap. Keep money accessible for emergencies before committing funds to a long-term contract. An annuity may help address a gap; it is not automatically the best choice.
Income certainty involves tradeoffs: access to money, costs, growth potential, and benefits for loved ones. We’ll compare those before you decide.
A few useful answers.
Can I still access my money?
Access depends on the contract. Withdrawal limits, surrender charges, value adjustments, taxes, and possible tax penalties can apply. Ask what you could withdraw each year and what an early exit would cost.
Is an annuity right for everyone?
No. Your timeline, income needs, emergency savings, and other resources come first. We’ll discuss alternatives and separate contractual guarantees from projections. Optional income benefits may cost extra.
What if I already own an annuity?
Compare existing guarantees, benefits, surrender charges, and the proposed contract’s full cost. Replacing a contract may restart restrictions or a surrender period. You do not need to move money to have a consultation.
Less uncertainty. A clearer next step.
Talk with Marquis Anderson about what you want to protect. We’ll respond within 24 hours, including weekends.
Let’s talkGeneral educational information, not an individualized recommendation. Availability, eligibility, costs, benefits, and limitations depend on the insurer and contract. Guarantees depend on the insurer’s claims-paying ability. SEC annuity guide. Please keep medical details, account numbers, and documents out of the website form.