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What Are Annuities?

An annuity is a retirement savings product that can provide you with a guaranteed stream of

income for life or a set period of time. Think of it as creating your own private pension —

funded by you, customized for your goals.

You invest money (either as a lump sum or over time), and in return, the insurance company

provides regular payouts — either now or in the future.

Why Business Owners Love Annuities:

✔️ Guaranteed Income in Retirement

✔️ Tax-deferred growth (you don’t pay taxes on gains until you withdraw)

✔️ Protection from market volatility (especially with fixed and indexed options)

✔️ No contribution limits like IRAs or 401(k)s

✔️ Lifetime income options that help make sure you don’t outlive your savings

Types of Annuities for Retirement Planning

1. Fixed Annuities

2. Indexed Annuities (also called Fixed Indexed Annuities)

A fixed annuity offers a guaranteed interest rate and predictable income.

Perfect for: Business owners who want stability and security without risk.

Features:

Guaranteed rate of return
Steady income
Simple and safe

2. Indexed Annuities (also called Fixed Indexed Annuities)

An indexed annuity is tied to the performance of a market index like the S&P 500. It offers growth potential with protection — meaning your money can grow when the market does well, but you’re protected from market losses.

Perfect for: Entrepreneurs who want growth with downside protection.

Features:

Earn interest based on market performance (without direct investment in the market)
Protect your principal from losses
Income options for life

How Annuities Fit Into Your Retirement Portfolio

If you already have savings, investments, or real estate, annuities can add predictable, tax-advantaged income to balance out risk.

They can:

Replace the pension you don’t have
Help with tax planning
Give you peace of mind knowing your future income is locked in

Ready to Retire Smart?

At the Small Business Finance Hub, we help business owners like you build strong retirement

plans using the right tools — including annuities. Whether you’re starting from scratch or

already have savings, we’ll help you create a strategy that works for your lifestyle, your goals,

and your legacy.

Retirement Planning for Small Business Owners: Why Annuities

What Are Annuities?

Why Business Owners Love Annuities:

Types of Annuities for Retirement Planning

1. Fixed Annuities

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

How Annuities Fit Into Your Retirement Portfolio

Ready to Retire Smart?

Book a Free Retirement Strategy Session Today!

Retirement Planning for Small Business Owners: Why Annuities

What Are Annuities?

Why Business Owners Love Annuities:

Types of Annuities for Retirement Planning

1. Fixed Annuities

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

2. Indexed Annuities (also called Fixed Indexed Annuities)

How Annuities Fit Into Your Retirement Portfolio

Ready to Retire Smart?

Book a Free Retirement Strategy Session Today!

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