Guaranteed Income (Annuity)

An annuity provides a guaranteed income for life or a set period, offering peace of mind that you’ll always receive a fixed income regardless of market performance. While annuities offer security, they may not suit everyone and rates depend on market conditions at the time you buy.

🟩 How Annuities Work

You exchange part or all of your pension pot for a guaranteed income. This income is paid regularly and continues for as long as the contract specifies — often for life.

🟩 Different Types of Annuities

Annuities come in many forms: level, increasing, joint-life (to cover a spouse), guaranteed minimum periods, and more. Choosing the right type depends on your personal situation.

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🟩 Advantages of Annuities

The main benefit is certainty. You know exactly how much income you’ll receive, helping you budget confidently without worrying about investment performance or running out of money.

🟩 Limitations To Consider

Once you buy an annuity, the decision is usually irreversible. Annuity rates can vary based on interest rates, your age, health, and market conditions — so timing matters.

🟩 When An Annuity May Be Right For You

An annuity may suit people who value absolute certainty, have limited capacity to manage investments, or want to cover essential living expenses with guaranteed income.

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You don’t need to figure this out alone. I’ll take the time to explain everything in simple, clear language, review your options with you, and help you create a retirement plan that fits your personal goals. No jargon. No pressure. Just expert advice tailored to you.