Individual Investors - Annuities

How much in your life is the same today as it was a few years ago? As your needs change, so do the ways in which you address them.

Annuities continue to help millions of Americans save for and live comfortably in retirement. If you have annuities, now is a good time to review them to ensure that they are still meeting your needs and are positioned to help you meet those in the future. If you have not invested in annuities, consider that the longer you live, the more money you will need. And, since it's been shown that we are living longer and may be able to enjoy more productive lives, it is more important that you get as much "life" out of your assets as possible.

Annuities offer a wide range of benefits, including a variety of investment and income payout options,* the ability to customize your annuity investments to meet your unique needs and protection of your annuity assets for your heirs through a guaranteed minimum death benefit. For suitable investors concerned about their retirement income alternatives, the living benefit option for annuities may be their most attractive aspect. Living benefit options** come in a number of forms, all seeking to provide investors with a steady, guaranteed income stream, and/or provide varying levels of principal protection for their investments.

Ryan Beck can provide you with a full range of annuity products and solutions to help meet your retirement needs. We offer fixed and variable annuities from the nation's top providers and will find the annuity that is the right fit for you.

To find out more, contact Ryan Beck.

*Taxable amounts withdrawn from tax-deferred annuities prior to age 59 ½ may be subject to a 10% IRS penalty tax. Early surrender charges may also apply.

**Subject to the claims paying ability of the insurance company. In exchange for these enhancements, the insurance company may charge higher (or longer) surrender charges and/or mortality and expense fees.

Variable insurance products are not deposits of, or guaranteed, by any depository institution. Variable insurance products are not insured by the FDIC, Federal Reserve Board or any other agency, and are subject to investment risks including the possible loss of principal amount invested. There are fees and charges associated with variable annuities that may be higher than those associated with taxable investments. Variable annuities are sold by prospectus only, which can be obtained from your Ryan Beck Financial Consultant.