Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Â鶹´«Ã½ offers resources and products designed to meet your personal and family goals.
Support your workforce with innovative employee benefits and retirement solutions. Â鶹´«Ã½ partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.
Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Â鶹´«Ã½ specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.
Empower your clients with confidence by leveraging Â鶹´«Ã½â€™s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.
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Individuals
Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Â鶹´«Ã½ offers resources and products designed to meet your personal and family goals.
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Employers
Support your workforce with innovative employee benefits and retirement solutions. Â鶹´«Ã½ partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.
-
Institutions
Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Â鶹´«Ã½ specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.
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Financial Professionals & Brokers
Empower your clients with confidence by leveraging Â鶹´«Ã½â€™s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.
I’ve been pretty good at saving money. But am I really saving enough? Can I make my money grow faster? | By Clive
I’m a guy in my 60s and I make pretty good money. But several months ago, I realized I’ve never sat down and discussed how to save with someone who really knows the ropes. Wow, there are so many things to consider. Like the fact that our daughter, Joanie, is still in college. And we still have a mortgage on the house. And taxes. If it weren’t for all that, my wife Sandra and I would be able to put away a lot more. So what we can afford to put away, we need to make count. Not that I want to take on a lot of risk, mind you. But I’ve often thought: there must be ways to do better. I just don’t know what they are.
I asked a few friends and relatives who they use as a financial professional. Then I spoke to a few and asked questions about how they approach helping clients. I decided on Victor. He asked me a lot of great questions about my life, my dreams, my family. He really got to know me. And I got comfortable with relying on him for some guidance. Don’t get me wrong: I make my own decisions. But he’s given me some great input, and he’s knowledgeable about lots of financial products that I hadn’t considered before.
I learned I should think about my short and long-term goals. For instance, we’d like to buy a summer home over the next five years. And there’s always the possibility of unexpected expenses. So some of my money should be in taxable investments, like mutual funds, where I can access it whenever I want. But when it comes to long-term saving, tax-deferred investments can be a good idea. They help money grow faster because you don’t pay taxes until you pull money out. Which means, while you’re saving, you keep what you earn, and those earnings can generate even more earnings.
So we discussed some mutual funds Victor recommended. And we looked at increasing the contributions I’d been making to my company’s 401(k) plan. We talked about IRAs, Roth IRAs, and tax-deferred annuities. I even learned that, for a guy like me, annuities can include a death benefit that protects the money I put into it. So that money can go to Sandra or my kids if I unexpectedly pass away.
We also talked about life insurance. Because that can help preserve savings, too. After all, Sandra could use life insurance proceeds to cover expenses that, otherwise, she’d have to dip into savings for.
Now Victor and I are putting together a plan. One that will not only help my savings grow faster, but protect those savings in case of market downturns, unexpected expenses, or life events that, really, no one can predict or control. That makes me feel better about my future. It makes Sandra feel that way, too. I can see it in her eyes. Which is maybe the best reward of all for putting a sound financial plan in place.
Explore How You Can Reach More Life Goals
Plan now, so you’re ready later
For you, family is one of the most important things in your life. You take care of them. They take care of you. Making sure that they’ll always be taken care of, no matter what happens.
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Protect and grow my business
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Plan now, so you’re ready later
For you, family is one of the most important things in your life. You take care of them. They take care of you. Making sure that they’ll always be taken care of, no matter what happens.
LEARN MOREkeyboard_arrow_down
Retirement income
Being happily retired looks different for everybody. Maybe you want steady retirement income that lasts or supplemental income to help you meet the unexpected in life.
LEARN MOREkeyboard_arrow_down
Protect and grow my business
You want your business to maintain its competitive edge. Attracting talent and building a succession plan for the future means you can ensure your business stays in stable hands.
LEARN MOREIn order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.
Â鶹´«Ã½, its affiliates, their distributors and respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.
Â鶹´«Ã½ refers to Â鶹´«Ã½ and its affiliates, including Â鶹´«Ã½ & Annuity Company. Insurance products are issued by Â鶹´«Ã½ in all states except New York and in New York by Â鶹´«Ã½ & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
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