Discover many of the opportunities available to help you plan for your financial future.

At Harlow Wealth Management, we can help you determine a strategy appropriate for your financial situation.

Retirement Planning with Annuities

Protecting your assets against market troubles and determining a financial strategy that will give you income revenue throughout your entire retirement are some of the most important goals in financial planning.

The two most important questions when determining your financial future are where should I invest my money and when should I make the investment. At Harlow Wealth Management, we’re here to provide you with the tools you need to make these decisions and find ways to secure your retirement future.


What Are Annuities?

When done properly, annuities can be an excellent way to add a stable stream of income to your investment portfolio. Annuities are a contract between an investor and a third party, where the investor will provide the third party, such as an insurance company, with a large sum of money in return for regular, agreed-upon payments, either for a set period of time or for the life of the investor, depending on the terms of the contract. Many people invest in annuities as a means to achieve the following:

  • Have a stable income stream through retirement
  • Grow their portfolio
  • Provide funds for long-term care
  • Provide income to family in the event of their death

What Types of Annuities are Available?

At Harlow Wealth Management, we offer three types of annuities. Fixed, fixed index and immediate annuities are all options available to you. Our professional staff will help you determine the best choice while taking your current financial portfolio and future income needs into consideration.
Why Invest in Annuities?

Investors choose to invest their money in annuities for a number of reasons. Some of the advantages of investing in annuities include the following:

Tax Deferment

Investing in an annuity allows you to put a larger sum away that can be deferred from taxes.  IRAs and other retirement plans have limits on how much money is allowed for tax deferral each year, so for those who may need to put in more money per year, such as those closer to retirement age, annuities are a much better choice to avoid paying taxes when the money is invested.

The Value of the Investment Increases Each Year

The lump sum that you have put in will continue to compound each year without having to pay any additional taxes on the gains. This is one of the primary benefits of annuities over other taxable forms of retirement since each dollar you invest will continue to grow.

Having a Steady Stream of Income Throughout Retirement

While you do have the option of cashing out your annuity in one lump sum payment, you can also set them up to payout out in a steady income payment for a set period of time or throughout the rest of your life. This can help you to make sure that you will be able to get through your retirement without running out of money.


Choose Harlow Wealth Management

Annuities can be a great investment for many individuals, but it needs to be set up correctly to ensure it is a sound investment. The professionals at Harlow Wealth Management can not only help guide you through the annuity investment process but can also help ensure that your contract is in your best interest in order to achieve your intended retirement goals.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.

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