Walt Decherd Fixed Annuities

Guaranteed Lifetime Income is One of Many Perks of Fixed Annuities

Create your own guarantees and take control of your retirement: with a guaranteed lifetime income and a guaranteed income account growth rate!

A Fixed Index Annuity along with other Fixed Annuities now offer more flexibility, more choices and more growth potential in how and when you decide to distribute your income in retirement. Keep in mind that there are lifetime income benefits offered with some Fixed Annuities and Fixed Index Annuity contracts that stand above the rest when these specific goals are needed: Don’t be fooled by the fluff / Call Walt Decherd to know what carriers are offering the best true value TODAY…

1. A Guaranteed Lifetime Income you cannot outlive

2. The ability to control your money and how it is distributed (No Annuitization Required)

3. More and better choices when it comes to getting the best annuity rates: The Fixed Index Annuity products and the income riders available today all vary in benefits. There are income riders that offer 5%, 6%, 7%, 8% and even10% guaranteed income account growth annually. Some grow interest compounding and some are simple interest. Some have payout percentages based on age and others are a flat percentage no matter what is the age of the contract owner. Some have cash value fees ranging from .0040% to 1% annually and some do not have any internal fees. But they all provide a guaranteed lifetime income based on the financial strength of the issuing insurance company. If you are interested in these types of benefits please contact a trusted Safe Money Rep to learn more and get the annuity rates that work best for you. Not all Income riders are the same. Important fact to consider is how the fee is calculated? On the cash value or the income value!

4. Guaranteed spousal income benefits also available Avoid probate and pass on remaining annuity contract value to your heirs.

The diversification of your money is one of the most important concepts to understand within your financial plan. These types of contracts are for the money you cannot afford to lose. This information is provided to help give you a brief understanding of how Guaranteed Lifetime Income Benefits work. This may be a great replacement or compliment to your existing CD, bond, IRA, 401k and even a portion of your Savings.

Annuities are the only way to guarantee a lifetime income stream, but there are many different annuities to choose from. Here is a MAJOR MISCONCEPTION ABOUT ANNUITIES: “When you die all the money left in your annuity goes to the insurance company not your heirs”.

THIS IS NOT TRUE. If you purchase a life only SPIA with no period certain then this will happen. A life only SPIA will allow for the highest income stream but upon death the remainder will go to the insurance carrier. This only applies to a SPIA with a life only payout.

1.SPIA – Single premium immediate annuity

SPIAs offer an immediate income stream for the period that you desire i.e., 2,3,4,5,6,7,8,9,10 years, life, life with guaranteed certain of 5, 10, 20 years. When deciding to use a SPIA for income you essentially annuitize your money. In most cases you do not have access to your principal in emergencies, only your income stream. You are also locked in to an interest rate between 1% and 3% depending on when you purchased your SPIA. However with fixed annuities this is not the case.

Understand the facts and only work with people you can trust! If your broker is not offering these types of products and you are interested, please contact Walt Decherd at 281-639-8468.

Walt Decherd does not provide legal, taxation or investment advice. Walt Decherd claims no liability for any content or information provided. Please consult with your tax advisor and financial professional before making any tax or financial decisions.