Guaranteed Lifetime Income Annuities in Florida That Feel Like a Pension
From Pile To Paycheck
Turn savings into income you can count on
You trade a lump sum for checks that arrive every month for life. A single premium immediate annuity starts right away. A deferred income annuity starts later and pays more per dollar. The goal is simple. Cover the must pay bills in Parrish so the ups and downs of the market do not decide what is for dinner.
The Main Options
Types of lifetime income annuities
Single premium immediate annuities for near term retirement. Deferred income annuities for a future start date. Or keep control of the asset and add an income rider to a fixed or indexed annuity. We compare life only, life with period certain, and joint options so your spouse is protected. Then we fit payouts around Social Security and any pension you already have.
Why It Works
Benefits of guaranteed income
No market risk on that part of your plan. Clear cash flow that lets you spend without fear of running out. Often higher safe income than a portfolio drawdown alone because of mortality credits. If you want to leave a legacy as well, we can coordinate with
Generational Wealth Transfer so your heirs are not left guessing.
Questions That Matter
FAQ for lifetime income
What if I pass early?
With life only the checks stop, which is why the payout is highest. Many choose a refund or period certain so heirs receive what is left.
Can I change my mind?
Annuitization is usually irrevocable. We do not lock every dollar. Riders can keep more flexibility.
How is income taxed?
IRA funded income is fully taxable. Non qualified income is part interest and part return of principal. We estimate it in advance.
Build The Floor
Enjoy retirement with confidence
Bring your budget and your target start date. I will build an income ladder that covers essentials and fits Tampa Bay cost of living.
