Retirement Planning
Plan Today. Retire Confidently Tomorrow.
Planning for retirement is a critical step in achieving long-term financial security. Whether your goals include travel, pursuing passions, or peace of mind, having a dependable income stream is essential.
At Legacy Talk with Alex, our licensed professionals help you create a personalized retirement strategy based on your lifestyle, goals, and risk tolerance. From annuities to tax-advantaged solutions, we’ll guide you toward a confident and comfortable retirement.
Start planning today for the retirement you deserve!!!
What Retirement Solutions Are Available?
At Legacy Talk with Alex, our licensed financial professionals are committed to helping you build a retirement strategy that aligns with your long-term goals, income needs, and lifestyle preferences. Whether you're early in your career or approaching retirement, we provide expert guidance on a wide range of planning options.
We help clients explore and optimize:
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Employer-sponsored retirement plans such as 401(k), Roth 401(k), 403(b), and TSP
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Traditional and Roth IRA rollovers into annuities or other tax-advantaged vehicles
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Fixed and fixed indexed annuities designed to grow your wealth securely and generate guaranteed income
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Tax-deferred strategies for maximizing long-term accumulation
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Social Security Retirement Benefits analysis — and how to fill the income gap if benefits fall short
Many retirees discover that Social Security alone may not be sufficient to maintain their desired standard of living. That’s where personalized annuity solutions come in—allowing you to convert savings or rolled-over funds into a reliable stream of income for life.
Whether you’re looking to roll over a traditional or Roth 401(k) into an annuity, explore guaranteed income options, or build a diversified retirement portfolio, our team will walk you through every step—ensuring clarity, confidence, and control over your future.
Types of Annuitization Options
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Annuitization is the process of converting the accumulated value of an annuity into a stream of regular income payments, typically for a set period or for life. It allows annuity owners to turn their savings into guaranteed income, often used during retirement.
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Life Only (Single Life Annuity)
Provides income for the lifetime of the annuitant. Payments stop upon death, regardless of how long the annuitant lived. Offers the highest monthly payment, but no beneficiary benefit. -
Life with Period Certain
Pays income for life, but guarantees payments for a specific period (e.g., 10, 15, or 20 years). If the annuitant passes away before the end of the period, remaining payments go to a designated beneficiary. -
Joint and Survivor Annuity
Pays income for the lifetime of two individuals (typically spouses). After the first person dies, payments continue for the lifetime of the survivor. Payout amounts can be full or reduced for the survivor. -
Life with Refund (Cash Refund or Installment Refund)
Ensures that if the annuitant dies before receiving the full value of their original premium, the remaining balance is refunded to a beneficiary—either in a lump sum (cash refund) or continued installments. -
Fixed Period (Period Certain Only)
Pays income for a specified period (e.g., 10 or 20 years), regardless of whether the annuitant is alive. Beneficiaries receive any remaining payments if the annuitant passes away during the term. -
Lump Sum Payment
Rather than receiving regular payments, the annuity owner may choose to receive the entire accumulated value as a single payout.
As independent brokers, we work with a wide range of top-rated insurance carriers—including Transamerica, Nationwide, Pacific Life, AIG and more—to offer a variety of annuity solutions. Our licensed financial professionals will guide you in selecting the retirement or annuity strategy that best aligns with your goals, lifestyle, and long-term financial security.
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Types of Annuity
Fixed Annuity
Earns a guaranteed interest rate, typically 3%–5%. Provides stable, predictable growth with no market risk.
Fixed Indexed Annuity (FIA)
Earnings are tied to a market index (e.g., S&P 500) with 0%–8% potential returns. Offers principal protection and growth potential, with caps or participation limits.
Variable Annuity
Returns fluctuate based on market investments, ranging from losses to double-digit gains. Offers higher growth potential but carries market risk.
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