HPE Financial Services, Inc.
Annuity Information Clearwater
What is an annuity and what can it do for me?
An annuity is a savings contract with an insurance company. HPE Financial Services, Inc. represents the leading insurance companies and offers only Fixed and Indexed Annuities because they provide a guaranteed income and tax-deferred savings. Since the primary reason to purchase of a deferred annuity is to provide retirement income, the six reasons people buy fixed and indexed annuities are: Growth, Safety, Tax Advantages, Liquidity, Monthly Income, and Estate Advantages.
- Growth A fixed index annuity gives you the opportunity to share in the gains of the Dow 30 Industrials, S&P 500 Index and NASDAQ, but without the losses plus your principal is guaranteed.
- Safety By contract, a fixed annuity guarantees that your principal is protected and typically gives you a guaranteed minimum return.
- Tax Advantages One of the greatest benefits of an annuity is tax-deferred growth. You pay no federal taxes until you begin to receive income payments or make a withdrawal.
- Liquidity Most people recognize that liquidity, safety and growth do not co-exist well. For example, with a checking account, you get safety and total liquidity, but little interest. Mutual funds hopefully offer a good rate of growth, but you sacrifice safety. An annuity lets you take 10% of your value every year or you can let it mature and take the principal and all the gains.
- Monthly Income Creating a monthly income that you cannot outlive, monthly pension plan for guaranteed for life.
- Estate Advantages
One advantage is speed. With an annuity you typically avoid the probate
process. Another advantage is privacy, you get to name a beneficiary
and avoid passing assets through your will. Additionally, Florida
annuity contracts shall not be liable to attachment, garnishment or
legal process in favor of any creditor per the 2007 Florida Statutes,
Chapter 222, section 222.14.
Contact us today to understand that "retirement planning doesn't stop when you retire".
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