America's Retirement Planners (ARP) is one of the fastest growing independent insurance and financial services marketing firm in the retirement industry. ARP's licensed professionals offer the highest quality annuity products made available from only the Top A-Rated insurance companies throughout the United States.
Annuities can provide a retirement planning solution for conservative individuals who want to protect their principal, have the ability to take income now or later and have the upside potential, however do not want to put their money at risk. Essentially a CD-like investment issued by insurance companies, not banks, and typically pay higher yields/rates than CDs.
Annuities can provide a retirement planning solution for conservative individuals who want to protect their principal, have the ability to take income now or later and have the upside potential, however do not want to put their money at risk. Essentially a CD-like investment issued by insurance companies, not banks, and typically pay higher yields/rates than CDs.
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America's Retirement Planners is one of the fastest growing independent insurance marketing services firm in the retirement industry. ARP and its affiliated offices are located throughout the United States, and its agents have the appropriate licenses for the products they offer. America's Retirement Planners offer the highest quality annuity products made available only from the Top A-Rated insurance companies.
A Single Premium Immediate Annuity (sometimes referred to as an "SPIA") may be the right annuity for you if you are looking for payments that begin right away and continue for the rest of your life or for a specified period of time. The annuity is purchased from an insurance company with a single, lump sum amount called a premium.
Most retirees don't need to tap their IRA accounts early in retirement. Yet, required minimum distribution ("RMD") rules force them to begin taking money from their IRAs as soon as they reach age 70-1/2. If you're in this situation and you want to avoid taking some RMDs until much later in retirement there now is an annuity strategy you can follow.
Fixed annuities are essentially CD-like investments issued by insurance companies, not banks. These are (ROP) return of principal annuities. A fixed annuity is a contract between you - the annuitant - and an insurance company, who by contract promises to pay you a certain amount of money, on a periodic basis, for a specific period.
A fixed-index annuity provides the guarantees of fixed annuities, combined with the opportunity to earn interest based on changes in an external market index, for example the S&P 500, Nasdaq 100, and the Russell 2000. With a fixed-index annuity, because you're not participating in the market, the money in your annuity (your "principal") is not at risk.
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