Should you want to establish an IRA or rollover funds from an employer sponsored plan, we can simplify the experience.


Annuities can be complicated, let your advisor help you determine if an annuity is right for you.

College Savings

When started early, the power of compounding interest over a child's first years can highly impact their college financial future.

Portfolio Management

Does the stock market scare you? You are not alone, let an advisor take the complexity out of your portfolio management.

Long Term Care

Long Term Care can help meet health and personal needs while reducing the financial strain that could be put on your budget and investments.






How Deferred Annuity Works

A deferred annuity is a type of annuity contract that delays income, installment or lump-sum payments until the investor elects to receive them. This type of annuity has two main phases: the savings phase, which is when you invest money into the account, and the income phase, which is when the plan is converted into an annuity begins paying the account owner. A deferred annuity can be variable or fixed.


**Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.