Annuities
An Option for Added Security
At Optimal Wealth Advisors, our focus is comprehensive wealth management—built around your goals, your lifestyle, and your vision for retirement. For some clients, a portion of their plan may benefit from the unique features of annuities: protection of principal, steady growth, or guaranteed lifetime income.
Annuities aren’t for everyone, but when they align with your needs—whether it’s to safeguard retirement income, reduce market exposure, or create a reliable stream of payments—they can play a meaningful role within a broader portfolio.
Why Clients Consider Them
Income Stability
Create a predictable income stream that complements Social Security, pensions, and investment withdrawals.
Safe Growth
Provide steady, conservative growth for part of your wealth.
Legacy Benefits
Leave behind guaranteed death benefits for loved ones.
Flexibility
Save beyond traditional retirement account limits if desired.
How We Approach It
If annuities are a fit, we evaluate them the same way we do every other tool—objectively, strategically, and in the context of your entire financial plan. Our role is to help you determine whether they add value, identify cost-effective solutions, and integrate them seamlessly into your retirement strategy if appropriate.
The OWA Perspective
At OWA, annuities are one of many resources available to strengthen a client’s plan—used thoughtfully when they enhance security and peace of mind.