Annuity IS NOT a Dirty Word!

Protect Your Principal & Secure Guaranteed Growth for the Next 5 Years.

Are Your CDs Maturing? Tired of Market Volatility?

When it comes to your hard-earned retirement savings, security and predictability matter most. Market ups and downs can cause unnecessary stress, while traditional bank CDs may not offer the returns or tax advantages you need.

With a Single Premium Deferred Annuity, you can lock in a top-tier, guaranteed rate for 5 full years—with zero sales charges.

4.80%

fo amounts over $100,000

Why Consider a Single Premium Deferred Annuity?

Principal Protection: Safeguard your nest egg from market downturns.
No Sales Charges: 100% of your money goes straight to work for you.
Guaranteed Returns: Lock in fixed rates for 5 years.
Flexible Entry Points: Options available starting at just $5,000 up to age 85 (with additional annuity options available up to age 99)

The Two Phases of an Annuity

Every annuity contract consists of two distinct phases:

1) The Accumulation Phase

You fund the annuity (either all at once or over time). Your money grows tax-deferred, shielded completely from downward market risks.

2) The Annuitization Phase

When you are ready to recieve income, your accumulated balance converts into a stream of regular, guaranteed payments delivered to you monthly, quarterly, or annually.

Choosing the Right Annuity for Your Portfolio

Not all retirement strategies are identical. We work closely alongside you to select from the three core structures that best map to your specific comfort levels:

Fixed Annuities: The safest harbor. You earn a guaranteed, predictable interest rate regardless of economic headlines. Perfect for those nearing immediate retirement. The insurance company guarantees a set, predictable interest rate on your money for a specific period (e.g., 3, 5, or 10 years).

Fixed-Indexed Annuities: The middle ground. Your growth tracks a market index (like the S&P 500). If the market rises, you capture upside. If the market crashes, your principal stays completely locked and safe.

Variable Annuities: The growth engine. Your money is tied directly to underlying investment portfolios. Offers the highest potential returns, but carries active market risk.

Why an Annuity Belongs in Your Retirement Toolkit

The greatest retirement risk isn’t a market crash—it’s outliving your money. Annuities are the only financial vehicle explicitly designed to eliminate that risk.

Guaranteed Lifetime Income: Never worry about outliving your savings. Receive a paycheck for life..

Tax-Deferred Growth: Your money grows faster because you don’t pay taxes on the interest until you start making withdrawals.

Customizable Security: Add features (riders) that allow you to pass remaining funds to your heirs, protect against inflation, or cover long-term care costs.

The Hazard & Siegel Difference

“For decades, we’ve helped families transition smoothly from the wealth-building years to the income-spending years. We don’t believe in one-size-fits-all products; we design income maps built around your real life.”

Ready to replace financial uncertainty with a guaranteed plan?

Don’t guess about your retirement security. Scroll back up to fill out our request form or
Call 315-414-0722 to speak with a licensed Hazard & Siegel financial professional.