Annuities can be used to create income streams, whether monthly or annually, to supplement retirement funds. They also guarantee safety of principal – cannot lose value, linked to a stock / bond index with potential for higher rates of return.
Growth Potential with Protection: Explore Fixed Indexed Annuities
Looking for a retirement strategy that offers market-linked growth potential without the risk of market loss? A fixed indexed annuity (FIA) could be the ideal solution. At The O’Brien Agency, we help clients across the greater Boston area and anywhere in Massachusetts secure their financial future with customized annuity options, including fixed indexed annuities designed to balance growth and security.What Is a Fixed Indexed Annuity?
A fixed indexed annuity is a tax-deferred retirement product that provides the potential for higher returns by linking your interest earnings to a market index, such as the S&P 500. Unlike variable annuities, your principal is protected—you won’t lose money due to market downturns.
With an FIA, your annuity earns interest based on the performance of the selected index, but with a guaranteed minimum return and zero exposure to market losses.
Key Benefits of Fixed Indexed Annuities
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Market-Linked Growth: Benefit from partial market gains without the downside risk.
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Principal Protection: Your initial investment is safe—even if the index performs poorly.
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Tax-Deferred Growth: Earnings are not taxed until you begin withdrawals.
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Flexible Income Options: Choose how and when to receive income, including lifetime income features.
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Custom Riders Available: Add enhanced benefits such as income riders, death benefits, or long-term care options.
Why Work With The O’Brien Agency?
As an experienced independent insurance agency, The O’Brien Agency works with top-rated annuity providers to compare products and tailor a solution that fits your retirement goals. We take the time to explain how fixed indexed annuities work, including caps, participation rates, and income riders, so you understand exactly how your money is growing and when you can access it.
Whether you’re nearing retirement or just starting to plan, we’ll help you create a reliable income stream without sacrificing peace of mind.
Start planning your future today. Contact The O’Brien Agency for a free annuity consultation and see how a fixed indexed annuity can deliver secure growth and guaranteed income—without the volatility of the stock market.