Stabilize Your Future with Guaranteed Income

You Deserve a Retirement That Doesn’t Rely on Guesswork

Markets rise and fall. But your retirement shouldn’t have to.

Annuities are financial tools designed to turn part of your savings into a predictable income stream—no matter what happens on Wall Street. For those who want a portion of their retirement plan to feel safe, stable, and stress-free, annuities may offer just the peace of mind you’re looking for.

At Momentum Wealth Solutions, we help you determine whether annuities fit your retirement goals—and if so, which type aligns best with your overall plan.

What Is an Annuity?

An annuity is a contract with an insurance company where you contribute money (either once or over time), and in return, receive income payments either immediately or in the future.

Annuities can:

  • Provide guaranteed income for life

  • Protect against outliving your savings

  • Offer tax-deferred growth

  • Supplement other sources like Social Security or pensions

Not every annuity is created equal—and not every retirement plan needs one. That’s why guidance matters.

The Types of Annuities We Evaluate

Fixed Annuities

Offer a set interest rate and guaranteed payouts. Simple and predictable.

Fixed Indexed Annuities

Link your returns to a market index (like the S&P 500) while protecting your principal from market losses.

Immediate Annuities

Start paying income right away. Useful for those already in retirement seeking a steady check.

Deferred Income Annuities

Payments begin at a future date—ideal for planning ahead.

We help you weigh fees, benefits, and contract terms so you can make a clear, informed decision.

How Do Annuities Fit Into a Retirement Plan?

Annuities can work as:

  • A reliable income stream alongside Social Security

  • A hedge against longevity risk (outliving your assets)

  • A buffer from market downturns during key retirement years

  • A tax-deferred growth vehicle for conservative investors

Annuities aren’t about hype. They’re about having at least one part of your retirement income you don’t have to worry about.

What Makes Momentum Different

Education Before Execution

We don’t push products. We teach people.

You’ll never be rushed into a contract. Instead, we:

  • Walk you through how annuities work (in plain English)

  • Explain the fees, limitations, and potential benefits

  • Help you understand how this fits into your tax and income strategy

  • Only recommend annuities when they complement—not complicate—your plan

Key Considerations

What to Know Before You Buy

  • Annuities vary widely in structure, fees, and benefits

  • Some offer inflation-adjusted income or long-term care riders

  • Others may restrict withdrawals or have surrender charges in early years

  • Annuities are most valuable when tailored to a specific purpose within your plan—not as a one-size-fits-all solution

Planning for the Long Run

Confidence You Can Count On

Retirement should be about freedom, not fear. Annuities can add a level of certainty that helps you enjoy what you’ve built—without constantly watching the market.

Wondering If an Annuity Is Right for You?

Let’s explore your options together—and create a plan that gives you confidence in every season.