Annuities
Explore potential lifetime income while keeping flexibility in view
Annuities can play a role in a retirement income plan, but the right choice depends on your goals, timeline, liquidity needs, and comfort with risk. We’ll walk through the guarantees, costs, tax considerations, and trade-offs in plain English so you can decide whether an annuity belongs in your plan.
Any guarantees are subject to the claims-paying ability of the issuing insurance company. Fees, restrictions, surrender charges, and features vary by product. This information is educational and is not tax or legal advice.
Real information, no pressure
A clearer next step starts here.
The Solomon approach
Clear decisions. Thoughtful protection. A plan you can live with.
We start with your life, not a product. Your goals, timeline, family, income needs, and comfort with risk shape the conversation — so you understand your options before you decide what comes next.
Have a question before booking? Contact us →What this can help you do
Benefits of a focused review
Every conversation is tailored to your situation, with the trade-offs explained in plain language.
Income you can count on
Explore ways to turn a portion of your savings into potential lifetime income.
Understand the trade-offs
We explain fees, guarantees, liquidity, growth potential, and surrender periods before you decide.
Fit the whole plan
Annuities are considered alongside Social Security, pensions, investments, and the income you actually need.
Protection-first guidance
We start with your goals and risk comfort, never with a one-size-fits-all product.
Your session
What to expect
- 01
Map your income needs
We identify essential expenses, timing, flexibility, and the retirement income options you want to consider.
- 02
Compare your options
Together we review whether an annuity belongs in your plan and which features matter most.
- 03
Choose with clarity
You leave with plain-language next steps and a strategy that fits alongside the rest of your retirement plan.
Questions, answered
Frequently asked questions
What is an annuity?
An annuity is a contract designed to provide income or growth over time. Different types have different guarantees, fees, tax treatment, and access rules — so the details matter.
Are annuities right for everyone?
No. They can be useful for a defined income need, but they are not a fit for every goal or time horizon. We compare the benefits and limitations against your complete plan.
Can I access my money?
Access varies by contract and may involve limits, fees, or tax considerations. We will review the liquidity terms before you make any decision.
Ready when you are
Leave the conversation with clear, actionable next steps.
Book online or call (334) 459-8264. We’ll meet you where you are and help you understand what comes next.