Annuities and income
Retirement income, and an estate plan that agrees with it.
Plain-language help with retirement income and annuities, and estate planning coordinated with your attorney.
For you
This is for you if
- You are weighing an annuity and want the costs and limits laid out.
- You want a plan for income you can count on.
- You want your estate documents and your income plan to agree.
How we help
Income planning.
How annuities work
A contract with an insurance company that can pay income later under its terms.
What to weigh
Fees, charges for early withdrawals, limits on access to your money, and the insurer's claims-paying ability.
Alternatives
We talk through other ways to build income before recommending anything.
Fit with the rest of your plan
Income, taxes (with your tax professional) and your estate, considered together.
Estate planning, coordinated with your attorney.
Many families are preparing to pass assets to the next generation. We do not predict outcomes. We make sure your documents and your plan agree.
- Wills
- Trusts
- Power of attorney
- Health care proxies
- A digital power clause
Our process
Five steps, one conversation at a time.
- 01
Strategy call
We learn your goals, your compensation and your challenges.
- 02
Financial health check
Cash flow, debt, benefits and investments, on one page.
- 03
Personalized plan
Clear actions that fit your goals.
- 04
Implementation
We do the heavy lifting with you.
- 05
Ongoing check-ins
Regular conversations as your life and career change.
Q&A
Questions we hear first.
A contract with an insurance company. You pay a premium, or a series of premiums, and the insurer agrees to make payments under the contract's terms, often as income later.
Annuities can carry fees, charges if you take money out early, and limits on access to your money. Costs differ from contract to contract, so we read the contract with you.
Guarantees in an annuity depend on the claims-paying ability of the insurance company that issues it.
No. An annuity suits some goals and not others, and we talk through the alternatives as well.
We do not give tax advice. Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Ask your tax professional how a contract would be treated for you.
Income and estate planning affect each other. We coordinate your plan with your attorney so your documents and your income plan agree.
No. Your attorney drafts them. We coordinate with your attorney.
A power of attorney names someone to handle your financial matters if you cannot. A health care proxy names someone to make medical decisions. A digital power clause addresses access to your online accounts. Your attorney can explain each one.
Schedule a consultation. We start with your goals and your questions.
Our team
Who you will work with.
Stephanie Staggs
CEO & Financial Planner
Don Sullivan
Director of Wealth Management
Noelle Casey
Financial Advisor, RICP®
Next step
Ready when you are.
Schedule a time, call, or send us a note.
Stay in touch