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.
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.
Offer a set interest rate and guaranteed payouts. Simple and predictable.
Link your returns to a market index (like the S&P 500) while protecting your principal from market losses.
Start paying income right away. Useful for those already in retirement seeking a steady check.
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.
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
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
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
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.