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Kettler Financial Planning Services
  • Home
  • About Us
    • What We Do
    • About Fred Kettler
  • Financial Solutions
    • The Planning Process
      • Financial Planning
      • Retirement Planning
      • Financial Engineering
      • Annuities
      • 401(k) Plans
      • Wealth Protection
      • The Retirement Savings & Income Dilemma
    • Life Insurance
      • Term Life Insurance
      • Whole Life Insurance
      • Premium Finance
      • Impaired Risk
      • Instant Term Life Quote
    • Disability Insurance
      • Comparing Disability Policies
      • Is 60% really 60%?
  • Blog
    • The American Dream 2017 & Beyond…
    • After Love Income Is Everything!
    • Cash-Flow is Everything (now and forever)
    • Financial Engineering
    • 10% Minimum Savings Rule to Financial Freedom (15% is better/20% is ideal)
    • Term Life Insurance
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Annuity Types

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Immediate Annuity aka Income Annuity: With immediate annuity, you will begin to receive payments shortly after you make your initial investment. For instance, you may consider purchasing an immediate annuity as you approach retirement age.

Deferred Annuity: A deferred annuity accumulates money, whereas the immediate annuity pays out. Deferred annuities can also be converted into immediate annuities when the owner decides to start collecting payments. Below are 3 types of deferred annuities:

Fixed Annuity: Insurance company makes fixed dollar payments for the term of the contract, usually until the annuitant dies. The insurance company guarantees both earnings and principal.

Variable Annuity: Variable annuities are long term investment vehicles designed to help investors save for retirement and involve certain contract limitations, fees, expenses and risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost.

Indexed Annuity: Indexed Annuity is an insurance contract in which the return is based on the return of an underlying index. There is a cap to how much of the return will be received, as well as a floor that the return will not go below. There are fees and expenses that should be considered, as well as a sometimes considerable surrender charge.

*All guarantees are backed solely by the claims paying ability of the issuing insurance company.

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5901 SW 74th Street Miami, FL 33143
Phone: 305-669-9109

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 14021 Metropolis Ave., Fort Myers, FL 33912. 239-561-2900. PAS is a wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Kettler Financial is not an affiliate or subsidiary of PAS or Guardian.

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2021-115680 Exp. 02/23