Fixed Annuities—Reliable Growth and Predictable Income in Retirement
A fixed annuity offers a stable way to grow your savings and create a guaranteed income stream in retirement. If you're looking to avoid market volatility while protecting your principal, this option may be a smart addition to your long-term plan.
At Integrity Financial Solutions Group, we help Arizona clients understand how fixed annuities work—and how they can support a more confident, stress-free retirement.
Want to learn more about safe growth strategies? Start with our contact form.
What Is a Fixed Annuity?
A fixed annuity is a contract with an insurance company. You contribute funds, and in return, the insurer provides a guaranteed interest rate for a set period—along with options to convert those funds into future income.
It’s often used by retirees or pre-retirees who want:
- Steady growth without market risk
- Guaranteed income for a certain period or for life
- Tax-deferred accumulation of retirement funds
Curious if a fixed annuity fits your savings goals? Let’s explore your options together.
Contact us today!
How Do Fixed Annuities Work in Arizona?
Once you fund the annuity, your money grows at a guaranteed rate. You can choose when to start receiving income—either right away or years down the road. Many clients use fixed annuities to:
- Create predictable monthly income in retirement
- Delay taxes on investment growth
- Replace low-yield savings or CDs with something more secure
Want help comparing interest rates or payout options? Schedule your no-cost consultation.
Are There Fees or Penalties?
Fixed annuities typically have no management fees, but they may include surrender charges if you withdraw money early. That’s why it’s important to choose the right product and timeline based on your goals.
We’ll help you understand:
- How long to lock in your funds
- What penalties, if any, apply
- Which products offer the most flexibility
Need help avoiding the fine print surprises? We’ll walk you through it.
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Who Should Consider a Fixed Annuity?
Fixed annuities are often a good fit for people who:
- Are within 5–10 years of retirement
- Want a safe place to grow money without market exposure
- Need a future income stream that they can count on
If you're tired of market swings or earning very little in a savings account, a fixed annuity might be a better way forward.
Let’s find out if a fixed annuity is right for you. Start with a quick consult.
