Annuity Planning Solutions
Structured retirement strategies designed to balance income, growth, and risk.
Annuities can play a powerful role in retirement planning when used appropriately. At Majestic Wealth Builders, annuity strategies are implemented based on retirement goals, risk tolerance,income needs, and time horizon—not one-size-fits-all solutions.
Wework with both insurance-based annuities and securities-based annuities, each serving adifferent purpose within an overall retirement strategy.
Types of Annuities We Implement
Fixed & Fixed Indexed Annuities (Insurance-Based)
Used for:
- Principal protection
- Tax-deferred accumulation
- Optional income riders (where applicable)
- Reducing exposure to market volatility
Guarantees are subject to the claims-paying ability of the issuing insurance company.
Variable Annuities (Securities-Based)
Implemented through Fairport Capital Inc. , variable annuities offer:
- Market-based growth potential
- Tax deferral
- Optional income or death benefit riders (additional cost)
Variable annuities involve market risk and possible loss of principal.
Registered Index-LinkedAnnuities (RILA)
RILAs provide:
- Index-linked performance
- Defined downside risk parameters (buffers or floors)
- Structured time segments
Used for clients seeking measured market exposure with defined boundaries.
Strategic Uses of Annuities
Annuities may be used to:
- Create predictable retirement income
- Reduce sequence-of-returns risk
- Coordinate with Social Security
- Complement investment portfolios
- Fill income gaps not covered by pensions
