Redstone Brokerage Services


An annuity is a long-term investment vehicle designed for retirement purposes and can provide the benefit of accumulating and compounding investment gains tax-deferred with no contribution limits. Annuities offer flexible payout options that may help your cash-flow needs during retirement. Call today to set up a free consultation with one of our Financial Consultants.

Why should I choose an Annuity?

  • Offers a death benefit - generally the beneficiary will receive at least equal to the net premiums paid.
  • Can help an estate avoid probate - beneficiaries receive the annuity proceeds without time delays and probate expenses. Proceeds will be subject to ordinary and estate taxes.
  • Offers the option for a guaranteed lifetime income stream*.
  • Accumulates tax deferred until you start taking withdrawals in retirement. Distributions of earnings are taxed as ordinary income and may be subject to an additional 10% federal income tax penalty if taken prior to reaching age 59½. Surrender charges may apply to withdrawals and will depend on how long you have owned the contract.

Fixed Annuities

  • Pay a fixed rate of return that can start right away (with an immediate fixed annuity) or can be postponed to a future date (with a deferred fixed annuity).
  • Rates may be adjusted, but it will never fall below a guaranteed minimum rate specified in the annuity contract. This guaranteed rate acts as a "floor" to protect owners from periods of low interest rates.
  • Any guarantees are contingent on the claims-paying ability of the issuing insurance company.

Variable Annuities

  • Investment returns fluctuate based on the value of the sub-account portfolios.
  • Allocate premiums among your choice of investment subaccounts, which can range from low risk to very high risk.
  • Returns are based on the performance of the subaccounts selected.
  • Any guarantees are contingent on the claims-paying ability of the issuing insurance company.
  • The investment return and principal value of an investment option are not guaranteed and variable annuity subaccounts fluctuate with changes in market conditions. When a variable annuity is surrendered, the principal may be worth more or less than the original amount invested.
  • Variable annuities have fees and charges, including mortality and expense risk charges, administrative fees, and contract fees. They are sold only by prospectus.


Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

* The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company. Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation.

Must be RFCU® member to obtain investment products. Must be eligible for membership and open a share savings account in order to join. A $5.00 minimum balance is required to open and must be maintained in share savings account at all times. Fees and other restrictions may apply.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Redstone Federal Credit Union® deposits and are not NCUA insured. These products are not obligations of Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. The investment products are being offered by a dual employee of Redstone Federal Credit Union who also sells products for LPL Financial.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Alabama and Tennessee. Redstone Federal Credit Union and Redstone Brokerage Services are not registered broker/dealers and are not affiliated with LPL Financial and are separate entities. Redstone Federal Credit Union and Redstone Brokerage Services are affiliated but are separate entities. RFCU does not warrant, guarantee, or insure any product or service offered by LPL or Redstone Brokerage Services. Redstone Brokerage Services and RFCU do not provide tax advice. Please consult your tax advisor for your specific questions.

Get a Free, No Obligation Investment Review Today!

Redstone Brokerage Services offers a free, no obligation consultation for all Redstone Federal Credit Union® members. Make your appointment today by calling 800-234-1234 ext 8351 Monday through Friday, 9 am to 5 pm.

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