Sean Kelly | Medicare Advisor 

An annuity, in its simplest form, is a retirement savings contract.

There are two main types of annuities: fixed and indexed. Both fixed and indexed annuities provide a guaranteed minimum value. Ultimately, however, the two differ in the way earnings are credited. The decision between the two annuities is largely dependent on what level of guarantee best aligns with your financial attitude.

Annuities offer a solution to seniors wondering whether they have enough money left for their golden years.

Too often, Americans run into real worry when the question is raised. What’s great about an indexed annuity is that you can invest any amount and have that money grow until it’s needed as retirement income. An indexed annuity’s interest rate will vary throughout the duration of the contract, though a guaranteed minimum between 1 and 3 percent makes it a highly attractive option for those facing the eventual realities of retirement.

The greatest benefit of indexed annuities is that the annuitant can retain significantly higher interest rates.

Sean Kelly Medicare Advisor offers proven expertise to the Buffalo community. We’re here to help you navigate the nuances as well as the considerable returns of indexed annuities.



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