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Wolfgang's Wisdom: Your Guide To Annuities And Social Security

Understanding Annuities

Annuities are contracts with insurance companies to protect your assets and/or provide a guaranteed source of income. There are four types:

  • Fixed- The annuity's value accumulates at a constant rate.
  • Indexed- The value of your annuity is linked to an index but is protected from market fluctuations.
  • Immediate- You purchase the annuity for a one-time price and begin receiving payments immediately.
  • Variable- You invest the annuity in stocks, subject to the normal risks of the market.

With the exception of immediate ones, annuities develop in two phases: accumulation and distribution. During accumulation, you put money in the annuity, either through a single deposit or through gradual payments, and allow it to appreciate over time. During distribution, you begin withdrawing this money, either through regular withdrawals or on an as-needed basis to supplement your other sources of income.

Annuity Advantages

Like 401(k)s, 403(b)s, and other retirement savings plans, annuities are tax-deferred, meaning you don't have to pay taxes on the growth until you withdraw it. Unlike those plans, there is no limit to the amount of money you can contribute per year. This makes annuities ideal for those with savings or retirement accounts and a desire to grow or receive income off there assets while being protected.

Annuities offer a wide range of options to savers of all ages. Pre-retirees can use them to protect and expand their assets, while retirees can use them to enhance their assets and set aside money for their loved ones or produce more income. Whatever your age or financial status, annuities are worth considering.

Souping Up Social Security

Social Security's many strategic options are both a blessing and a curse. They allow you to be flexible when planning for your retirement, but choosing between so many strategies is bound to be confusing.

Wolfgang keeps this confusion to a minimum with the help of Maximize My Social Security software. We enter your financial information, calculate the different ways each strategy will affect you, and select the strategy that offers the largest payout during your life expectancy.

Developed at Boston University by the esteemed economist Laurence Kolikoff, Maximize My Social Security was named the most effective Social Security tool on the market by the Wall Street Journal. Between the software and our expertise, we'll have no trouble finding you the best strategy available.

Making Ends Meet

Social Security is rarely enough to meet your retirement needs, which is why Wolfgang provides in-depth financial planning for all our customers. We determine all your likely costs of living during retirement, as well as all the income you will receive from annuities, pensions, Social Security, and other sources, adjusting everything for inflation. If there is any chance that your income won't meet your expenses, we help you develop a plan to make ends meet. With are commitment to providing you with financial security throughout a long, happy life.

For more information on annuities, Social Security and other tools for financial freedom, contact Wolfgang Financial and Insurance Agency today.

*Wolfgang Financial and Insurance Agency LLC is not affiliated with or endorsed by the Social Security Administration or any government agency. 

*This is not investment advice. All information on this site is for educational purposes only. Wolfgang Financial and Insurance Agency LLC isn't liable for any potential damages that may incur from this information. Always consult a licensed financial professional before doing anything.

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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Wolfgang Financial and Insurance Agency LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Wolfgang Capital LLC, a Registered Investment Advisor in the State of California. Insurance products and services are offered through Wolfgang Financial and Insurance Agency LLC. Wolfgang Capital LLC and Wolfgang Financial and Insurance Agency LLC are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of California or where otherwise legally permitted. Neither Wolfgang Financial and Insurance Agency LLC nor Wolfgang Capital LLC provide legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Wolfgang Capital LLC, Wolfgang Financial and Insurance Agency LLC and Zachary Herzog are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Exclusive rights to this material belongs to Wolfgang Financial and Insurance Agency LLC. Unauthorized use of the material is prohibited.

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