Unravel the Secrets of Your Annuity

Don't let confusing terms and conditions jeopardize your retirement. Our experts will help you understand your annuity so you can take control of your financial future.

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Annuities are Complex, and That Can be Concerning

Navigating your annuity can sometimes feel like trying to solve a puzzle without all the pieces. If you’ve ever felt this way, you're not alone, many others have felt confused and even a bit discouraged about gaining an understanding of where their annuity fits into their complete financial picture. Our approach is simple, to help you strip away the complexity and to help you shine a light on the best path forward for you.

What You'll Gain from Our FREE Annuity Analysis

What You Should Know

There are many different types of annuities. Depending on your goals, a particular type will likely be most beneficial.

A fixed annuity is a retirement-focused financial product offered by insurance companies. It guarantees a steady income stream for a specified period or for life, in exchange for an initial lump sum or series of payments. This product provides predictable returns and security against market volatility.

An indexed annuity is a retirement product that ties returns to a market index, like the S&P 500, offering potential for higher gains while protecting against losses. Investors pay a lump sum or periodic payments and receive income that adjusts with the index’s performance, subject to caps on maximum returns. This annuity blends growth opportunities with a guaranteed minimum return.

A variable annuity is a retirement product that allows investment in various funds, similar to mutual funds, with returns that fluctuate based on the performance of these investments. Investors contribute a lump sum or periodic payments and receive income that can vary significantly, offering higher potential returns but also greater risk. This type of annuity provides the opportunity for substantial growth while also including options for minimum guaranteed payments.

An immediate annuity is a financial product where an individual pays a lump sum to an insurance company and, in return, begins receiving regular income payments almost immediately. These payments continue for a specified term or for the individual’s lifetime. Immediate annuities are designed to provide a reliable, steady income stream shortly after investment, making them suitable for retirees seeking to convert their savings into guaranteed income upon retirement.

A deferred annuity is a financial product where an individual invests money through either a lump sum or periodic payments, but income payments are delayed until a future date. This type of annuity is aimed at long-term growth, allowing the investment to accumulate over time on a tax-deferred basis. Deferred annuities are particularly beneficial for individuals planning for retirement, as they can grow their savings and choose when to start receiving income, based on their financial needs and retirement goals.

Transparency is Our Foundation

We believe in making the complex simple and keeping your interests at the forefront. With our service, you'll navigate your retirement planning with a partner who values clarity and your peace of mind above all else.

About

We're Innovative Wealth Building, and we're dedicated to one thing: helping you make the most of your annuity. We understand that annuities can be complex, and that's where we come in. Our team of Certified Financial Planners® will cut through the jargon, answer your questions honestly, and empower you with the knowledge you need to make confident financial decisions

What our clients say

I have been with IWB since they've opened their doors, and Happy with the move. Highly recommend their services.

- Jon M.

"Have been clients since 2016 ; trust them completely! Do yourself a favor and PLAN your financial future with their expert advisement!"

- Becky K.

"Great company and associates! Enjoy their webinars to help educate clients as well as tailored semi-annual reviews to ensure clients are on track."

- Greg W.

How It Works

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Frequently asked questions

Our 50-Point Annuity Analysis is a comprehensive review designed to give you a clear understanding of your specific annuity. We’ll examine the type of annuity you have, its benefits, any associated fees and expenses, potential tax implications, and how it aligns with your overall retirement goals.

Absolutely not. Our priority is to provide you with valuable information and answer your questions. You’re free to use the insights from the analysis to make your own informed decisions about your annuity. There’s no pressure to purchase any additional services.

Your annuity review will be conducted by a Certified Financial Planner® (CFP®). Our team of CFP® professionals brings extensive knowledge and experience to help you thoroughly understand your annuity.

The initial consultation typically lasts about an hour. During this time, we’ll gather information about your annuity, explain our findings, and answer all of your questions. If you’d like additional guidance, we can discuss next steps after the analysis.

We analyze a wide range of annuities, including fixed, variable, and indexed annuities. No matter the type of annuity you have, our experts can help you break down its features and implications.

We take your privacy very seriously. Any personal and financial information you share with us will be kept strictly confidential. We adhere to all industry standards and regulations to protect your data.

Take control of your financial future today.

Don’t let the complexities of annuities be the barrier between you and a retirement filled with peace and possibilities. Schedule your personal annuity review now—let's ensure your financial plan isn’t just good, but perfect for you. Because at the end of the day, your peace of mind is the true measure of our success. Availability is limited, so act now to secure your spot and take a decisive step towards a worry-free retirement

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