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Retirement Planning

Millions of Americans are now responsible for generating their own adequate—and sustainable—retirement income. Gone are the days when Social Security and an employer-provided pension plan could ensure a comfortable, secure retirement. Today, consumers must shoulder much of the responsibility for managing their own financial futures. They need self-directed options and self-directed ways to accumulate funds and to safely and efficiently distribute those funds during their retirement. For these purposes, the insurance industry offers a unique vehicle: the annuity.

Annuities are unique financial instruments:

• They provide a way to accumulate funds for the future and then systematically distribute those funds over a given period.
• Annuities are financial contracts issued by insurance companies. Annuity buyers deposit money into the contract in the form of premiums.
• The insurer invests these premium dollars, which are then credited with a certain rate of interest earnings or grow in value in relation to the performance of the investments in which they are deposited.
• Funds accumulate in an annuity on a tax-deferred basis, which enhances the product’s ability to grow.

The term "annuity" is often very misunderstood. A pension plan is an annuity. Your social security income is an annuity. There is a lot of bad information on the internet when it comes to annuities because there are many different types for different needs. At Infinite Asset Advisors, we focus on annuities that have little or no fees (you decide) and keep your money safe from market fluctuation. We also focus on products that have a death benefit so that your account value is transferred on to your beneficiaries when you pass. We are contracted with over 50 carriers that offer the best products for you, the client. Whether you want your money to grow while being fully protected from losses or you want to make sure you have income for life - we have the expertise to tailor a plan that meets your individual needs and goals. With our knowledgeable and experienced team, you can trust that your financial future is in the right hands.