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Insurance & Financial Services
Annuities
Growing your retirement savings is only one part of planning for your future.
Have you thought about how you'll turn your savings into a monthly retirement income?
Annuities are long-term savings vehicles designed to do just that: grow and protect your money leading up to retirement, then turn that money into an income stream you can't outlive. Annuities can either be Immediate (payout begins at purchase) or Deferred (payout begins at a later date).
When the situation is appropriate, after considerable fact-finding and analysis, the use of an annuity may be recommended. Deferred and immediate annuities are available.
Consider purchasing an Annuity to help you prepare for retirement. Explore the options we can offer you:
- Fixed Annuities - for a predictable return
- Fixed indexed annuities — For a predictable return with growth potential
- Immediate annuities — for current income
- Variable annuity — For a maximum potential return
*Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
*Disclosure – John Pivirotto is a registered representative with, and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Financial Concepts Insurance & Financial Services and LPL Financial are separate entities.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and client suitability is reviewed and determined. Information relating to securities is intended for use by individuals residing in California, Oregon, Texas and Washington only. Advisory Services are offered to residents of the state of California and Texas. LPL Financial is not affiliated with Financial Concepts Insurance & Financial Services. Financial Concepts Insurance & Financial Services offer insurance & financial services to residents in California, Colorado, Florida and Oregon.
John Pivirotto’s California Insurance License #: 0699308
Financial Concepts Insurance & Financial Services’ California Insurance License #: 0786047
