A steady and anticipated stream of income is one of the cornerstones of a confident retirement. Fixed and variable annuities are financial tools that can play a role in helping you pursue that goal—especially when integrated thoughtfully into your overall financial strategy.
We take a personalized approach to help you determine if an annuity aligns with your needs, risk tolerance, and retirement timeline.
Our focus is on thoughtful, long-term planning—not market timing or speculation—so you can make confident, informed decisions every step of the way.
An annuity is a financial product issued by an insurance company, designed with a goal to provide a stream of income—either for a set period of time or for the rest of your life. Annuities are typically used as a way to supplement retirement income and may offer features such as tax-deferred growth and death benefits for beneficiaries.
Fixed annuities provide a guaranteed rate of return for a specified period, offering stability and anticipated income.
Variable annuities offer investment options that fluctuate with the market, providing the potential for greater growth—along with greater risk.
* Fixed 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.
You’ll work with a dedicated financial advisor who takes the time to listen, explain your options, and walk with you through life’s transitions. We are here as your experienced partner, providing honest guidance, ongoing support, and the expertise you need.
Financial planning is an ongoing journey, not a one-time event. As your life evolves, we’ll adjust your plan to keep you on track. Ready to get started? Contact Shoreline Planning Partners today to schedule your complimentary consultation and discover your confidence.
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.
April Bates offers advisory services offered through LPL Financial, a registered investment advisor and separate entity from Shoreline Planning Partners, LLC.
