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Retire on your own terms with a long-term investment

Financial Consultants | Portfolio Review | Fixed or Variable

Retire on your own terms with a long-term investment

Financial Consultants | Portfolio Review | Fixed or Variable

Annuities

As a long-term investment for retirement, an annuity offers you the option to receive a guaranteed income stream for the rest of your life. You invest in an annuity now, and you receive payments from it later. While your money is in the annuity, it grows tax-deferred, which means you don’t pay taxes on your investment gains until you start receiving payments. You can also arrange to leave a portion of the annuity to a beneficiary after you pass away.

When deciding on an annuity, you have the option of either Fixed or Variable. You also have a variety of payout options to choose from, including whether you’d like payments to start immediately or in the future, and if you’d like a lump sum or a series of payments. Both Variable and Fixed Annuities include valuable tax incentives and there are no limits to how much you can contribute. Your personal tolerance for risk will determine which one is right for you.

Our experienced Financial Advisors/Consultants can walk you through all your retirement options, including annuities, IRAs, and other investments.

Retire on your own terms. Contact Us to learn how.


Fixed Annuity
  • Offers more predictability because the principal is “fixed” and will never fall below a certain rate
  • When compared with a Variable Annuity, this option is geared toward people with a lower tolerance for risk
Variable Annuity
  • You have more control because you choose which subaccounts you want to invest in, from low risk to very high risk
  • Offers the potential for a larger payout
  • A Variable Annuity fluctuates with the market, and therefore is much riskier than a Fixed Annuity

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2; are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

The benefits of investing with Redstone Brokerage Services

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Financial Consultants

who are knowledgeable, experienced, and focused on helping you succeed using practical investing strategies that fit your life

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Free Portfolio Review

with your Financial Consultant, allowing you to assess where you are now, outline a comprehensive investment plan, and address your questions and concerns

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Convenience of having it all in one place

when you invest with Redstone Brokerage Services

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View your investments 24/7

with Redstone's free Online Banking tools

Ready to open a Redstone Annuity?



Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC.) Insurance products are offered through LPL or its licensed affiliates. Redstone Federal Credit Union® (RFCU®) and Redstone Brokerage Services (RBS) are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name RBS, and may also be employees of RFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of RFCU or RBS. The RBS site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL and TN.

Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Redstone Federal Credit Union Guaranteed Not Redstone Federal Credit Union Deposits or Obligations May Lose Value