Key reasons to consider an annuity with your rollover

• Lifetime income potential:
  Annuities can be designed to provide guaranteed income you cannot outlive, helping turn your retirement savings into a steady personal “paycheck” for life.
• Protection from market losses:
  Fixed and fixed indexed annuities can protect your principal from market downturns while still offering growth potential tied to an index, subject to the contract terms.
• Tax-deferred growth:
  When you use an annuity inside a Roth IRA, Traditional IRA, or qualified rollover, your earnings continue to grow tax-deferred, which can enhance long‑term accumulation.
• Customization and flexibility:
  Many annuities offer features like income riders, beneficiary options, and flexible payout choices so your plan can be aligned with your unique retirement goals.
• Structured transition from savings to income:
  Rolling funds from a 401(k) or TSP into an IRA annuity can help you move smoothly from the “saving years” into a predictable income strategy in retirement.

How annuities can work with each account type

• Roth IRA conversions:
  An annuity inside a Roth IRA can offer tax‑free qualified withdrawals in retirement, along with principal protection and potential income guarantees, after any applicable waiting periods.
• Traditional IRA rollovers:
  Rolling a 401(k), 403(b), or TSP into a Traditional IRA annuity keeps your money in a tax‑deferred environment while adding options for guaranteed income and downside protection.
• 401(k) and 403(b) rollovers:
  Leaving an employer often triggers a decision point. Moving a portion of your balance into an IRA annuity can give you more control over investment choices, fees, and income features than many workplace plans.
• TSP conversions for federal employees:
  Federal employees can roll a TSP balance into an IRA annuity at retirement or separation from service, allowing for expanded benefit options, legacy planning features, and tailored income strategies beyond the standard TSP payouts.

Is an annuity right for your rollover?

• Your priorities matter:
  Annuities can be a strong fit if you’re looking for protection from market losses, predictable income, and a clear plan for turning savings into sustainable retirement cash flow.
• Your situation is unique:
  The right approach depends on your age, goals, risk tolerance, and overall financial picture. 

Ready to explore whether an annuity makes sense for your Roth IRA, Traditional IRA, 401(k), or TSP rollover?
Contact us today to review your options and design a retirement income strategy tailored to you.