Annuities

1. An annuity is a long-term financial product designed to convert your savings into a predictable income stream, often for life. Unlike traditional investment accounts, annuities are not directly tied to stock market performance—making them a powerful option for risk-conscious investors and retirees.
   
2. Qualified retirement accounts like 403(b)s, 401(k)s, and pensions can often be rolled into annuities to create tax-deferred growth and reliable income streams. This is especially beneficial for educators, public sector employees, and private sector professionals looking to transition from accumulation to guaranteed distribution in retirement.
3. There are annuities built for guaranteed income, growth potential, principal protection, or legacy planning. The right strategy depends on your goals—and the time to evaluate those options is now.

Types of Annuities to Consider in Today's Economy

1. Fixed Annuities   – Predictable, guaranteed interest over a set term
2. Fixed Indexed Annuities (FIAs) – Market-linked gains, no market losses
3. Immediate Annuities – Income begins within 12 months
4. Deferred Income Annuities – Locked-in future income, great for planning
5. Variable Annuities – Investment-based with more risk and growth

Each option has a place—but choosing the right annuity depends on your age, risk tolerance, retirement goals, and overall portfolio strategy.

Some annuities offer powerful strategies to delay Required Minimum Distributions (RMDs), particularly for those who don't need immediate income. By utilizing Qualified Longevity Annuity Contracts (QLACs), certain individuals may be able to postpone RMDs until age 85, helping reduce taxable income in their 70s and improve overall tax efficiency. 

With California’s high cost of living and increased exposure to national economic trends, investors here are feeling the squeeze. Delington Financial & Insurance Services has helped hundreds of California residents lock in long-term retirement security with customized annuity solutions.
  Whether you're rolling over a 401(k), diversifying a taxable account, or planning for future income—we provide unbiased, expert advice built around your life, not quotas.

Let’s Secure Your Retirement—Before the Market Shifts Again

Market uncertainty isn’t going away—but your financial stress can. Explore how annuities can give you peace of mind, long-term stability, and retirement income you can count on. -   Schedule a free, no-obligation consultation today.