It's Your Retirement

Annuities for Realizing Your Retirement Vision?

If you are planning for or closely approaching retirement, you’ve likely heard that a fixed indexed annuity can be a way to help grow your retirement assets and create a predictable source of income in retirement. But there are a lot of options so how do you determine which one is right for you?

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Creating Predictable Retirement Income

There are many annuity products available, each with different features, associated costs and restrictions. Choosing the right growth and income strategy -- for today or for future income in retirement -- depends on your immediate needs and future goals.

Income Today or Income Tomorrow?

Envisioning Your Retirement

The first step in planning your retirement is painting a vivid, realistic picture of your life after you officially stop working full-time. Imagine that you are living three years into post-retirement - what do you see? Turing vision into reality means putting your plan in place.

Begin Putting Your Plan to Virtual Paper

Protection and Growth Opportunity in One

We offer a wide array of annuity options that may help you secure a safe retirement -- be it in the near future or further down the road. Our annuities have the flexibility to provide predictable income, protection for your family and help pay for unforeseen expenses.

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Do Secure Act Changes Help or Hinder You in Your Retirement Planning

The SECURE Act, became law in late 2019 and is intended improve retirement security for Americans by implementing reforms that could make saving and planning for retirement easier. For instance, there is no longer an age limit for traditional IRA contributions and stretch IRAs now have a 10-year limit. The RMD age for retirement accounts has been raised for those turning 70 1/2 after January 1 of this year, and certain long-term, part-time workers can now participate in 401(k) plans. If any of these affect you, speak to your agent or advisor.

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Important Disclosures

This material is intended for general use with the public and is not meant to provide any individualized tax, investment or financial planning advice. We encourage you to consult with a financial professional who can tailor a financial plan to meet your needs.

Product features, rider options and availability may vary by state. Income payments and guarantees are based on the claims-paying ability of the issuing company. Annuities are NOT FDIC Insured and there is NO Bank or Credit Union Guarantee.

Annuities are a type of insurance contract issued by an insurance company. Annuities are long-term products particularly suitable for retirement assets. While you can use annuities to help save money for retirement and to receive retirement income for life, they are not meant to be used to meet short-term financial goals. Annuities held within qualified plans do not provide any additional tax benefit. Early withdrawals may be subject to surrender charges. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. Interest rates, participation rates, caps and strategy fees are subject to change. Annuities are subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.

This material is provided by Nassau Life and Annuity Company (Hartford, CT). In California, Nassau Life and Annuity Company does business as “Nassau Life and Annuity Insurance Company.” Nassau Life and Annuity Company is not authorized to conduct business in MA, ME, MN and NY, but that is subject to change. Nassau Life and Annuity Company is a subsidiary of Nassau Financial Group.
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