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Annuities

Ensuring Steady Income for Your Retirement

Annuities are a powerful tool to provide reliable income throughout your retirement, helping you maintain financial stability even after you’ve stopped working. At Hill Wealth Management, we offer a range of annuity options designed to fit your retirement goals. Whether you're looking for predictable, guaranteed payments or the potential for higher returns with variable options, annuities can be an essential part of a well-rounded retirement strategy.

Fixed Annuities

A fixed annuity offers guaranteed, predictable income for the length of the contract. This type of annuity is ideal for those who want a stable, low-risk option for retirement income, as it’s not tied to market performance. With a fixed annuity, you know exactly how much you’ll receive and for how long, making it a great choice for those seeking financial security and peace of mind during retirement.



Variable Annuities

A variable annuity allows your payments to fluctuate based on the performance of selected investments, such as mutual funds. While this option comes with more risk, it also provides the potential for greater returns over time. Variable annuities are a good fit for individuals who are comfortable with market risk and want the opportunity to grow their retirement income. At Hill Wealth Management, we’ll help you choose the right investment options for your variable annuity to maximize returns while managing risk.





Deferred vs. Immediate Annuities

  • Deferred Annuities: In a deferred annuity, your contributions grow tax-deferred until you start receiving payments. This type of annuity is often used by those planning ahead for retirement who want their investment to grow before they begin drawing income.

  • Immediate Annuities: If you're ready to start receiving payments right away, an immediate annuity can provide instant income. This option is typically chosen by retirees who want a quick and reliable source of income after they stop working.


Is an Annuity Right for You?

Annuities are an excellent choice for individuals looking to supplement other retirement income sources, like pensions or Social Security. They provide a reliable stream of income and can be customized based on your goals, risk tolerance, and retirement timeline. Whether you're seeking steady payments to cover your essential expenses or prefer the opportunity for higher growth potential, we help you determine the right annuity for your situation.

At Hill Wealth Management, we understand that every client’s retirement needs are different. We take the time to explain how annuities work, assess your goals, and guide you toward the best options for securing your financial future. Our goal is to ensure you can retire with confidence, knowing that your income is secure.

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