Annuities

Fixed Annuities

Through LPL Financial Services, First American Investment Services offers access to fixed annuities. Fixed annuities are long-term investments vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Achieving financial security so that you can live comfortably during retirement depends on how well you plan and save while working and how well you conserve and grow your assets during retirement. Fixed annuities may help achieve these goals by offering the following benefits:

  • Safety of Principal
  • Tax Deferral
  • Competitive Rates
  • Guaranteed Death Benefit that Avoids Probate
  • Opportunity to Generate a Guaranteed Lifetime Income

Variable Annuities

Variable annuities are long term tax deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. Variable annuities provide a variety of services and benefits including living benefits, death benefits and riders. Riders are additional guarantee options that may be available. Some riders are part of an existing contract; many others carry additional fees, charges and restrictions.

 

Disclosures
Securities and insurance products are offered by LPL Financial Services and its affiliates, member
FINRA/SIPC .  LPL Financial and First American Investment Services are independent entities.

Not FDIC Insured Not Bank Guaranteed May Lose Value
Not Guaranteed by any Government Agency Not a Bank Deposit


This site is designed for U.S. residents only. The services offered within this site are availalbe exclusively through our U.S. registerd representatives. LPL Financial Services' U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please not that not all of the investment and services mentioned are available in every state.

Variable Annuities:
You should consider a variable annuity's risk, charges, and expenses carefully before investing. Contact your Financial Advisor to request a prospectus, which contains this and other information about a specific variable annuity. Read it carefully before you invest.

Past performance is not guarantee of future results. Investment return and principal value of a variable annuity will fluctuate, causing shares, when redeemed, to be worth or less than their original cost. Withdrawals made prior to age 59 1/2 may result in an IRS penalty. Guarantees are based on the claims paying ability of the issuer.

Fixed Annuities:
Product and product features vary by state and insurance company.
Guarantees are based on the claims paying ability of the issuer.
Withdrawals made prior to age 59 1/2 are subject to 10% IRS penalty tax and surrender charges may apply.

 

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