Annuities Planning

Create a Steady Stream of Retirement Income

Explore Annuities With Clear, Honest Guidance

Annuities can be a valuable part of a retirement income strategy, providing predictable payments to help cover essential expenses in your later years. At Freedom for Living Financial Services, we’ll help you understand how annuities work, whether they fit your goals, and how they can complement your other retirement assets. Our focus is on giving you clear, straightforward advice—so you can make an informed decision without confusion or pressure.

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How We Help With Annuities

Find the Right Fit for Your Retirement Goals

We’ll explain your options and help you decide if an annuity is right for your situation.

Fixed Annuities

Provide guaranteed income with steady, predictable payments.

Indexed Annuities

Link your potential returns to a market index while protecting your principal from losses.

Variable Annuities

Offer growth potential with investment options inside the annuity but carry more risk.

Questions About Annuities?

Here’s What You Should Know

  • What is an annuity, and how does it work?

    An annuity is a financial product that allows you to convert a lump sum of money into a series of income payments, often designed to last for a set period or for life. They can be used to supplement Social Security or other retirement income, providing peace of mind that you won’t outlive your savings. We’ll help you understand the different types of annuities and how they could fit into your retirement strategy.

  • Are annuities safe?

    Annuities are designed to provide stability, but their safety depends on the type you choose and the issuing insurance company. Fixed annuities offer guaranteed payments, while variable annuities involve market risk. We’ll help you evaluate your risk tolerance and choose options that align with your financial comfort level.

  • What’s the difference between fixed, indexed, and variable annuities?

    Fixed annuities provide predictable, guaranteed payments. Indexed annuities offer returns tied to a market index, giving you some growth potential with protection from losses. Variable annuities allow you to invest in sub-accounts that can grow or decline with the market. We’ll walk you through each option so you can decide which, if any, fits your goals.

  • When is the right time to consider an annuity?

    Annuities can make sense as you approach retirement or if you’re seeking a steady income stream to cover essential expenses. The right timing depends on your overall financial plan, age, and income needs. We’ll work with you to determine whether an annuity supports your retirement goals and how it integrates with your other investments.

  • Why choose Freedom for Living for annuities guidance?

    Annuities can be complex, but we make them simple. As an Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers provides clear explanations and recommendations based solely on your needs—not on commissions or product sales. You’ll get the information you need to decide with confidence.