Build assets for retirement
Compare fixed-rate and fixed indexed annuities in light of your time horizon, liquidity needs and risk tolerance. Review fees, surrender limits and non-guaranteed elements.
ANGEL ASSET MANAGEMENT
Annuities
Explore annuities for retirement accumulation and income planning.
START WITH WHAT MATTERS TO YOU
What would you like to plan for?
Plan retirement income
Start with the gap between expenses and Social Security or pension income. Then discuss income start dates, individual or joint arrangements, and contract terms.
Use the worksheet below to organize your needs before a conversation. All existing product guides remain below; these paths do not establish suitability for any particular product.
Retirement income gapOpen to get started
Use one retirement stage, today’s purchasing power, and monthly after-tax income. Include monthly allowances for medical and irregular expenses. Do not combine income sources that start at different ages.
All amounts are in USD; enter 0 where not applicable. Inputs stay on this page, are not sent with the consultation link, and clear on reload.
Formula: monthly expenses − available monthly income, with a minimum of 0; annual gap = monthly gap × 12. This tool does not forecast inflation, returns, longevity, annuity payments or required premiums. An annuity proposal requires separate evaluation and insurer documentation.
Annuity Products
Compare annuity options for tax-deferred growth and retirement income planning.
Fixed Annuity
Stable & Predictable Growth
Earn a guaranteed interest rate with principal protection—ideal for conservative, low-risk retirement planning.
Explore Fixed Annuity →Fixed Index Annuity
Market-Linked Growth with Protection
Growth tied to market indexes like the S&P 500, with downside protection and no direct market risk.
Explore FIA →Variable Annuity
Market-Based Investment Potential
Invest in subaccounts similar to mutual funds—higher growth potential with market exposure and optional guarantees.
Explore Variable Annuity →Annuity with Guaranteed Income
Lifetime Income Security
Ensure a predictable income stream for life, regardless of market performance or longevity.
Explore Income Annuity →News and Articles
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Lifetime Income Annuity: An Illustrative Case Starting at Age 55
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What Is a Fixed Annuity? A Guide to Guaranteed Interest and Liquidity
Learn about fixed annuities and MYGAs, guaranteed interest periods, surrender charges, taxes, income options and differences from bank CDs.
What Is a Fixed Index Annuity? A Guide to FIA Features and Risks
Explore index-linked interest, caps, participation rates, floors, bonuses, income riders and liquidity restrictions.
What Is a Variable Annuity? Understanding Costs and Risks
Learn about subaccounts, market risk, layered fees, surrender periods, income riders, death benefits and 1035 exchanges.
How Can an Annuity Provide Retirement Income?
Understand immediate and deferred income, annuitization, income riders, joint income, inflation, liquidity and required minimum distributions.
