💰 Annuities

🧾 What Is an Annuity?

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An annuity is a financial product designed to provide guaranteed income—either now or in the future. You pay a lump sum or make a series of payments to an insurance company, and in return, you receive income payments that can last for a set period—or the rest of your life.

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Annuities are commonly used to:

• Generate retirement income

• Protect savings from market volatility

• Grow assets tax-deferred

• Create a guaranteed income stream you can’t outlive

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🧱 Types of Annuities We Offer

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✔ Fixed Annuities

Offer guaranteed interest growth and predictable income.

• Safe, conservative option

• Fixed interest rate over a set term

• No market risk

• Ideal for long-term savers or income-focused retirees

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✔ Fixed Indexed Annuities

Grow your money based on the performance of a market index—without the risk of losing principal.

• Linked to indexes like the S&P 500

• Upside potential with downside protection

• Can offer lifetime income riders

• Great for balanced growth + income planning

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✔ Immediate Annuities

Convert a lump sum into guaranteed income right away—often within 30 days.

• Best for retirees needing income now

• Payments can be set for life or a chosen period

• Predictable, stable cash flow

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👤 Who Should Consider an Annuity?

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An annuity might be a good fit if you:

• Are close to retirement or already retired

• Want guaranteed income for life

• Worry about market volatility affecting your nest egg

• Are rolling over a 401(k) or IRA

• Want to diversify your retirement income beyond Social Security and pensions

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We’ll walk you through the pros, cons, and alternatives—so you can make a fully informed decision.

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💬 Why Work With Couvillier Advisors?

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• ✅ Independent & Unbiased
  We’re not tied to any one carrier—so our advice is based on your goals, not a sales quota.

• ✅ Plain-English Explanations
  We make complex products simple and understandable, without confusing jargon.

• ✅ Long-Term Support
  We’ll help you review your annuity over time and adjust if your needs change.

• ✅ Trusted Carriers
  We work with established, top-rated insurance companies that specialize in retirement income.

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🧠 Common Annuity Questions

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Is an annuity better than an IRA or 401(k)?
They serve different purposes. We’ll help you understand how they can work together—not in competition.

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Can I lose money with an annuity?
With fixed and fixed indexed annuities, your principal is protected from market losses.

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Are there fees?
Some annuities have fees (especially with riders). Others don’t. We’ll show you the full picture before you commit.

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Can I access my money if I need it?
Yes, though some annuities have surrender periods. We’ll explain how liquidity works and find a plan with flexibility if needed.

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📞 Let’s Talk About Retirement Income

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We’re here to help you create a safe, reliable income stream so you can retire with confidence. No pressure. Just clear guidance, honest advice, and smart options tailored to you.

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✅ Free consultations
✅ Carrier comparisons
✅ Personalized retirement income strategies

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Get Started Today

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📍 Serving clients in multiple states