Free Retirement Education
Everything You Need to Know About Annuities — Before You Buy One
Get free access to Safe Retirement Academy's Annuity Education Center and learn how today's annuities really work—including the good, the bad, and the ugly.
YOUR FREE GUIDE COVERS:
✓ The Four Major Types of Annuities
✓ Fixed Indexed Annuities & the 0% Floor
✓ MYGAs vs. Bank CDs
✓ Lifetime Income Riders
✓ Fees, Surrender Periods & Liquidity
✓ What Your Investment Advisor May Not Tell You
✓ 15 Questions to Ask Before Buying an Annuity
100% Free • No Purchase Required • Immediate Access
Annuities Can Be Confusing. They Don't Have to Be.
The word “annuity” describes several very different types of insurance contracts—and understanding those differences matters.
Some annuities are designed primarily for growth. Others are designed for income. Some expose account value to market losses. Others are specifically designed to protect against index-linked market losses.
Safe Retirement Academy created this free consumer guide to help you understand how annuities actually work, where they may fit, where they may not, and what questions you should ask before making a decision.
THE GOOD
Principal protection, tax-deferred growth potential, predictable income and contractual guarantees.
THE BAD
Surrender periods, limited liquidity, caps, participation rates and other contract limitations.
THE UGLY
Buying the wrong annuity, misunderstanding income riders, or choosing a product based on a flashy bonus instead of understanding the entire contract.
THE BOTTOM LINE
An annuity isn't a retirement plan. It's a financial tool—and whether it's appropriate depends on the job you need that money to perform.
This isn't an annuity sales brochure. It's a straightforward educational guide designed to help you understand what annuities can—and cannot—do before you make a decision.
YOUR SAFE RETIREMENT ACADEMY RESOURCE
Cesar’ as he is usually called, holds two degrees with a Bachelor of Science in Commerce major in Accounting and a Bachelor of Science in Business Administration, graduating Magna Cum Laude honors in both degrees from the University of San Carlos. He finished his MBA studies at the University of North Florida.
He is a Certified Public Accountant with extensive experience in taxation and retirement services. He is a Licensed Insurance Agent. His obsession to be a better advisor to his annuity clients, led him to be professionally designated as a Certified Annuity Advisor after rigorous training and examination.
He provides workshops or seminars educating individuals about the advantages of tax deferred annuities, importance of life insurance protection, tax-free retirement to pre-retirees and retirees and Medicare healthcare.
Cesar Carangue