Variable Annuities

One Retirement Investment Option

Retirement should be enjoyable! With that thought in mind, we seek out retirement investments that address the primary concerns retirees have as they retire. We endeavor to ease the day-to day decision-making burden for our clients by providing investments that are professionally managed with the opportunity for growth prior to and during retirement. Professional asset management provides more time for pursuing those retirement dreams. A dependable lifetime income is the primary goal for most of our retired clients. We have quality retirement investments that provide clients with specific lifetime income guarantees. The secondary concern for most of our retired clients is income security for spouses. At Artesian Financial, we can effectively address this very important concern. For clients with children, we offer retirement investments that have death benefit options for the legacy transfer of retirement investment assets. Finally, tax efficiency can also be addressed with investments which are structured to grow tax-deferred during the asset accumulation and income distribution years. The primary investment product we use to address these key retirement concerns is the variable annuity contract. Variable annuities are investments which are offered by insurance companies specifically designed as long-term investments to provide for retirement income with other optional benefits.

The investment options for the retirement years are numerous. There is no one retirement investment that works for every client. The variable annuity contracts we offer address the primary retirement needs of most clients. Perhaps one of these retirement investments is suitable and appropriate for your retirement? Give us a call to discuss your individual retirement needs, concerns and goals.

Protected Lifetime Income

Variable Annuity Information

Please see the links and below for information about Variable Annuities.

“A variable annuity is a long-term financial product designed for retirement purposes. An annuity is a contractual agreement in which payment(s) are made to an insurance company which agrees to pay out an income or a lump sum amount at a later date. Variable annuities are subject to market risk, including the possibility of loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before 59 1/2. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.

Variable annuities are sold by prospectus only, which contains more complete information about the policy, including risks, charges, expenses and investment objectives. You should review the prospectus carefully before purchasing a policy. Contact your financial professional for a copy of the current prospectus."

For More Information: https://www.sec.gov/investor/pubs/sec-guide-to-variable-annuities.pdf

FINRA Information on Variable Annuities