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Annuities, like everything else, are continuously evolving.

They are designed for those who want to capture the upside on the

market but not the losses in the market.

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shutterstock_564583633 (1).jpg


       It is important to remember that annuities may not meet the goals of every investor. Often they come with stringent contract requirements or offering limited liquidity while also not keeping pace with the growth in the markets that tend to correct it self over the long term.


       Where they can be beneficial is for those retirees that can’t afford to lose in the market as they approach retirement
or those who are in the preservation phase in the life cycle.

       At SMG , we recognize that each investor has different needs, and retirement planning is not a “One size fits all” process. We would welcome the opportunity to explore all your financial possibilities to see whether or not protection based approach makes sense for your retirement.

is an annuity right for me?

An Indexed Annuity is for retirement or other long-term financial needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses
and other unexpected emergencies, such as medical expenses.


Guarantees provided by annuities are subject to the financial strength of the issuing company and not guaranteed
by any bank or the FDIC. Indexed annuities do not directly participate in any stock or equity investment. Clients who
purchase indexed annuities are not directly investing in the financial market.


Market indices may not include dividends paid on the underlying stocks and therefore may not reflect the total return of the underlying stocks; neither a market index nor any indexed annuity is comparable to a direct investment in the financial markets.

Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

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