Insurance & Annuities Opportunities

Matching product features to risk management needs

Certain insurance products can potentially help high-net-worth individuals accumulate wealth, while life insurance is a crucial element of any legacy plans that want to ensure loved ones are taken care. Disability insurance protects income. Annuities can be an alternate investment instrument for conservative investors. Our knowledge in risk management tools fine tunes your portfolios to your specific needs.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.