Retirement Annuities
Lifetime Income
5-14.6%
Annuity Bonuses
7-30%
Why Annuities?
For decades, smart investors have sought diversification with bonds. It was known as the “60-40” portfolio (60% stock, 40% bonds.) Here’s the problem: today’s interest rates on bonds can barely keep up with inflation and you face re-doing your financial plan every five to ten years. Studies from MIT, Wharton and other institutions have confirmed that top ranked annuities can provide the diversification, fixed income, and risk reduction that investors in and near retirement need. Today’s NEXT Generation retirement annuities can pay permanent income often double or triple that of quality bonds with an additional benefit: the income is inexhaustible like a pension. Diversify your portfolio with a pension-like bond alternative that also protects your heirs (the insurance company does not keep your money when you die.)
Important
Annuities from legal reserve life insurance companies are licensed and audited by all 50 states. By comparing, you can find the right annuity that will provide you with more than enough income for life, protect your from market loss, and protect your heirs.
Past performance of any asset or index should never be relied upon to predict future results. No specific product or company being promoted. Guarantees rely on the financial strength of the issuing insurer. Not FDIC insured, not a bank deposit.
Next Generation Annuities
Receive fixed income for life, like a pension, and the insurance company won’t keep your money when you die. In the past, the only way you could get a lifetime income from an annuity was to “annuitize”, which means turning over your principal in exchange for income for life. That idea is dead and gone.
For a smart person looking to retire and STAY retired with lasting high income—Next Generation Retirement Annuities can be the answer. There is no need to annuitize anymore because of the advent of the Guaranteed Lifetime Withdrawal Benefit— “GLWB” for short.
These Next Generation Retirement annuities are nothing like old style annuities. Depending on age and deferral period, Next Generation annuities can pay a permanent income rate anywhere from 5% to 14.6% income guaranteed for life.
But here’s the thing, it’s all about finding the right Next Generation annuity because some of them pay up to 40% more than others, which is why it’s important to compare with an experienced Fiduciary, preferably an Accredited Investment Fiduciary® and a Certified Annuity Specialist.®
Recent Lifetime Income Examples
Age 64, Deferred 4 Years, Annual Guaranteed Income
(May be taken monthly for life)
Your First Meeting
After scheduling your first meeting or phone call, here’s what you can expect. Finding and selecting the right annuity for you is a process of exploration and education. At no point should you feel like you’re buying a used car… Instead, at IQ Wealth®, we begin the Annuity conversation the same way we begin any other conversation with our clients: “What are your goals?”
For over 20 years, IQ Wealth® Management has been passionate about providing unmatched customer care, attention, and support to help our clients retire confidently in any economy. We accomplish this by building customized financial plans that fully address the five key areas of retirement planning: income planning, legacy planning, tax-efficient planning, asset protection and growth strategies.
Common Questions
We’ll answer your questions directly, no run-around. Questions like:
- “Are annuities really safe?”
- “Do my heirs really get the money when I die?”
- “How do insurance companies and annuities work with interest rates/bonds?”
By the end of our first conversation, you’ll feel even more confident in your decision to discuss your retirement plans, goals, and options further with us.
Planning Your Retirement
As the process continues, we’ll continue to keep your retirement goals at the center of the conversation. It’s important to clearly define the type of retirement you want to have so we can properly assign every asset its own task and time deadline.
At this stage, most of our clients have more questions about:
- Social Security (and when to take it)
- Required Minimum Distributions
- Their current portfolio (what they like, what they don’t like)
- How safe is their current retirement situation
- Concerns, problems with Mutual Funds (Risky)
- Ways to reduce risk and increase income
- Tax Questions
- IRA Rollovers and Roth Conversions
- Investments and Annuities
Compare Annuities
We answer all of your questions and, for clients who are considering annuities, we begin the Annuity comparison process. We compare over 1200+ annuities for our clients to help them find and select the right one for their retirement plan and income goals.
When you choose to work with IQ Wealth®, you don’t just end up with some random annuity—you end up with a complete retirement plan that’s easy to understand and simple to follow. Not to mention a team of committed professionals who are here for you from now on no matter what.
Compare Annuities
Review your annuity options with an Accredited Investment Fiduciary® and Certified Annuity Specialist®.
Lifetime Annual Income Estimates
*TIME SENSITIVE. Interest rates on annuities can be fluid, especially when bond rates are moving. These rates reflect the highest incomes available as of May of 2024. These rates are single income for life. Joint income rates are somewhat lower. All rates of annuity income rely upon the age of the annuitant and the length of time income is deferred. Deferring = delaying the start of your lifetime income. We compare 1200+ annuities. Rates locked in at time of application. These rates reflect the highest paying annuity rates available. Annuity buyers are encouraged to compare on the basis not only of income, but also accumulation potential, liquidity options, and company ratings.
Amount
See the color coding in the above chart.
Age
Above example is age 64. The older you are, the higher the income.
Deferral
The longer you defer, the higher the income.
Paid Monthly
Above figures are annual, income is paid monthly.
Licensed With All Carriers
We Independently Review 1200+ Annuities For You
What's up With Interest Rates
Our economy is in an uneasy place. With wars, elections, and shaky markets hitting us almost daily, the word recession is being thrown around a lot. In an attempt to slow down inflation, the Federal Reserve has pushed up interest rates progressively over the past two years to what may now be seen as a peak. As a result, we're seeing interest rates higher than they've been in the last 25 years.
Important
The Federal Reserve is very likely to reduce and normalize interest rates soon due to political and economic pressure.
How You Can Benefit
High interest rates translate to higher annuity income rates.. High interest rates can have a very negative impact on the economy and especially the real estate market, but they can actually have the opposite effect on annuities. Annuity income rates are at an all-time high.
Annuity Owners
This is one of the best times in modern history to get an annuity. Many people are adding on additional annuities as well as refinancing their old ones.
Guaranteed Income—For Life
Our clients at IQ Wealth® Management are now locking in guaranteed income of 5 to 18% for life depending on age and deferral period. That is no exaggeration and can be proven in black and white. This could be the beginning of a retirement plan filled with extra vacations, more golf, more fun times with the grandkids, or even just the security of more cash on hand and money in the bank every year from now on, no matter what.
Important
Income rates are dependent on age and deferral period. This annuity income is guaranteed for life, protected from market loss, and doesn't disinherit your heirs.
The First Steps
Request a call or meeting using the form on this page.
Compare Annuities
Accredited Investment Fiduciary (AIF®), Steve Jurich with IQ Wealth® Management in Scottsdale helps his clients compare up to 1,200 annuities with no sales pressure.
Compare Annuities
Review your annuity options with an Accredited Investment Fiduciary® and Certified Annuity Specialist®.
Schedule a Meeting
Use this form to begin scheduling your office meeting or 15 minute phone call.
Next Steps
Step 1
Fill out the form.
Step 2
We'll contact you to schedule.
