Would It Be A Great Benefit To Never Lose Money Ever Again?


How Do Annuities Work?
Basically, buying an annuity means making a commitment to set aside funds now, allow the funds to grow for a set period of time, to receive guaranteed income later.


If you have a Certificate of Deposit, Money Market Fund, Savings Account, or any other taxable savings vehicle, how would you like to stop paying taxes on the interest until you actually take it out to spend?

Your NET return on these vehicles is drastically reduced by income taxes, even when you leave the interest in the account!  For example, after federal and state income taxes are paid (33% assumed), 5% interest becomes 3.35%, 4% becomes 2.68% and 3.5% is only 2.35% NET!

When you factor in inflation over a long period of time, your savings and retirement programs are actually losing money.

Our financial services professionals are happy to share some ideas with you that will absolutely enhance your wealth accumulation by using an annuity. Don't delay!


Safer Alternatives To the Stock Market

Annuities are unique investment products that can help you save more for retirement, generate a guaranteed stream of income in retirement, or both. People saving for retirement may want to invest in an annuity after they have maxed out their 401(k) and IRA contributions. Assets in a fixed annuity offer a guaranteed rate of return for a number of years.

Why should I invest in a Deferred Annuity?

*Low minimum start up: $10,000

* Flexible Premium Option: $20,000 minimum startup with $100 a month

*Tax-deferred: All of the interest earnings accumulated in your annuity remain tax-sheltered until withdrawn.

*Flexibility: You can make a single contribution or a series of contributions whenever you’d like. There is no contribution limit.

*Lower tax bracket in retirement: Most people have a lower income in retirement than during their working years allowing your withdrawals to be taxed at a lower rate.

The practical financial implications of longer life spans must be incorporated into retirement plans. This means retirees will have to plan for longer (and thus greater) income needs and the possibility that expensive health-care treatment will eventually be needed as they get older.


"I wanted to be secure in my retirement because my job contained a lot of risk. I wanted to make sure that my retirement didn’t have the risk like that." - Linda Rivera

Analyzing Graphs

The SECURE Act and RMDs

President Trump signed the SECURE Act into law on December 20th, 2019. With many provisions having gone into effect on January 1st, 2020, it will have big implications for retirement and taxes.

A qualified longevity annuity contract (QLAC) is a type of advanced life deferred annuity funded with an investment from a qualified retirement plan, such as a 401(k), or an IRA. In 2020, an individual can use 25% or $135,000 (whichever is less) of their retirement savings account to buy a QLAC.

When you buy a QLAC, you subtract the amount you contribute from the total retirement assets that are used to calculate your RMDs, so you’ll defer taxes on the amount you invest in the QLAC until you start taking payouts. Meanwhile you’re guaranteeing a pension-like income stream later in life, reducing the risk you’ll have to withdraw money during a bear market and the bigger risk you’ll run out of money entirely.

Why use a QLAC?

  • Save on IRA RMD tax by allowing your IRA QLAC to defer RMD income until age 85

  • Medical expenses – as you age medical expenses become a larger portion of your monthly expenses – the income from QLAC can provide income for those expenses and help maintain your standard of living

  • Inflation – you can use the additional QLAC income into the future to help off-set inflation

  • Replace a pension or Social Security – if one spouse passes their pension/social Security may be reduced or even eliminated for the surviving spouse.  Income from QLAC could help replace some of this lost income

  • Knowing that you have additional guaranteed income into the future gives you the confidence to have a stronger allocation to stock equities – over time this could provide more robust portfolio returns

  • Tax deferral of income you don’t want or need until a future date

The beauty of the longevity annuity is that the insurance company tells you today exactly how much income you will begin receiving in the future. There is no stock market or interest rate risk. The future income amount that’s quoted is guaranteed!

With a longevity annuity you get income security that starts in your old age and at an attractive price. Financial planners estimate that if you own a longevity annuity you can increase the amount you withdraw from your savings in the early years of retirement by as much as 30% because of the reassurance in knowing your income in later retirement is guaranteed by the annuity.

Another appeal of QLACs is that they are straightforward and transparent. They are easy to understand, they require only one upfront payment and have no annual fees.




Answer.........It's Social Security right? And people love Social Security.

Why? ..........Well, maybe because they've been paying into it since their first job and now that they are retired, now they get guaranteed monthly checks for the rest of their lives.

Well, isn't that how annuities work? You fund the annuity and in return you get guaranteed monthly income for the rest of your life. So that let's me know that people love annuities too. They just don't know it yet. But I'm working on it by hosting financial literacy seminars and webinars. 

Today’s longer life expectancy is certainly worth celebrating, but it can pose a challenge when it comes to retirement planning. With an increasing span of retirement years and the potential for unexpected expenses, it may seem difficult to save up enough money to meet all your needs.
For some, the answer to this predicament is an annuity.

At Jennifer Lang Financial Services, we help you to navigate annuities and choose the best option for working toward the financial security of your future. Contact us today to learn more about our annuity services and how we can help you.


Milliman 2014 Study:

Fixed Index Annuities combat longevity issues
and offer the greatest probability of retirement success.


Don't Go Broke In a Nursing Home

As we prepare for retirement, we must be mindful that people are living much longer today.

In fact, 7 out of 10 of individuals 65 years old and above would need long term care.  Will you?

The issues of aging and needing care is not just a problem of an individual. It’s impact is felt by the whole family.

To protect you and your family, learn about the latest cost of long term care in your area. Rates may vary depending on the state you live in.

According to The Association for Long Term Care Planning, the average annual cost for a Nursing Home - Private Room is $100,379.

It's important to have a Plan B, because Medicare does NOT pay for Long-Term Care costs. Medicare only pays for 100 days. After that, what's your Plan B? How will you pay for it and where will the money come from?

Annuities combined with a Long-Term Care Rider will not only provide you with guaranteed income, but peace of mind. Some annuities come with “nursing home doublers” that can help cover  long-term care costs not covered by Medicare. Depending on the annuity, these double payments last for up to five years or until an annuity with the doubler drains its cash balance.

Before you retire, have a Plan B. At JenniferLangFinancialServices.com we work with over 150 life insurance companies to find you the best rate with the best coverage. Let us help you today.


Our Annuity Services

When properly utilized, especially in combination with other financial investments like Social Security and pensions, annuities can be an excellent way to supplement a retiree’s income. However, the many types of annuities available and the complex nature of retirement investing means that trying to make sense of things without guidance could leave you open to making uninformed decisions that may not actually be to your benefit.

At Jennifer Lang Financial Services, LLC., we help you to understand all of your financial options, including annuities, and can advise you into which types and plans are most likely to benefit you. We facilitate purchase and payout and help you keep tabs on the stages and development of your annuity, so you know your financial status at any given moment. We recommend annuities as part of a custom-built investment plan, allowing our clients the opportunity to grow their funds while maintaining the flexibility to deal with changing life circumstances.

Fixed Index Annuities

This annuity falls somewhere between a fixed and a variable annuity. These annuities provide tax deferrals as well as principal protection, ensuring that the original deposit will not decrease if the index performs poorly. * 

Fixed index annuities can offer greater opportunity for growth than a standard fixed annuity, but the principal protection provides less risk than a variable annuity. Spousal opportunities or beneficiary options may also be available, giving you the ability to financially protect your loved ones as well as yourself. For many working toward retirement, this balanced option provides a useful tool to supplement their income.

Conservative Financial Advisement 

At Jennifer Lang Financial Services, our focus is on helping clients meet their financial goals and work toward the retirement they can look forward to. We use our years of experience to make informed recommendations, and steer clear of strategies that pose a high risk to your hard-earned capital.

For intelligent investment and retirement planning, set up a consultation today.

Information presented on this website is not intended as tax or legal advice. You are encouraged to seek tax or legal advice from your  personal counselors.

*Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuities are not guaranteed by any bank or credit union and are not insured by the FDIC or any other federal government agency.


How a Three Tiered Annuity Bucket Strategy Works

If you are retired or approaching retirement, and you want to guarantee your income for as long as you live without giving up growth and access to your money, watch this short video to learn how you can optimize your retirement income with a "tiered" payout strategy.


How Long Will Your Retirement Nest Egg Last?

Find out how well you are doing financially. Have you factored in inflation? What about taxes? Answer four quick questions and get a free action plan customized to meet your financial goals in less than 3 minutes. Try it out now.


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Easy and Affordable Estate Planning

Who will care for your children?

How will you be remembered?

What are your healthcare wishes?

Did you know over 60% of Americans do not have a Will?

90% do not have an up to date, comprehensive estate plan. Important decisions relating to how your assets are distributed, who will serve as guardian for your minor children and who might make health care decisions in the event that you cannot could be decided by a judge without an estate plan.

Estate Planning is such a key component of one’s overall financial plan and now we have a product that can help you to get your affairs in order. 


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