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

Annuities help shift the risk of market volatility off your shoulders and onto the issuing insurance company.

Benefits of Annuities:

1. Tax-deferred growth. You will pay no income taxes on the earnings from your annuity growth until you begin making withdrawals or receiving periodic payments.

2. An annuity can help you save additional money for retirement once you've maxed out other tax-favored investments.

3. Annuities can help you catch up on retirement savings when you have less time to save.

4. Annuities offer potential for tax-deferred growth and an income stream for life.

5. Unlimited contributions.

6. Choice of saving options.

7. No mandatory withdrawals.

8. A Death benefit for your heirs.


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.

Click here to see a Sample Annuity Quote


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!


Realities of Retirement Today

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.


"There is no one who is so wise that they’re too wise for financial knowledge." - Dr. Benjamin LaBrot


Annuity Strategies

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Mitigating the Tax Torpedo

The decision of when to take Social Security versus retirement plan benefits might change significantly if taxes are considered. A result known as the “tax torpedo” may occur, which refers to a high marginal tax rate that is potentially triggered when retirees take Social Security payments in the same year they receive income from IRAs and other taxable sources. The term “tax torpedo” alludes to the apparent unfairness of such a high tax being imposed on retirees with moderate incomes who are dependent on Social Security benefits for much of their retirement income.


Watch How Social Security Effects The Browns and The Smiths Taxes In Retirement

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We Compare Annuity Rates So You Save Time and Money

Are you searching for the best annuity?

We make it easy for you to find the annuity that pays you the most income from top A rated brands.

We do the work for you by comparing annuities from more than 20+ insurance companies including Athene, Nationwide, Pacific Life, Principal, F&G and many others.

Some annuities have no fees, come with a death benefit doubler, a “nursing home doubler” that can help cover  long-term care costs not covered by Medicare, and depending on the annuity, these double payments last for up to five years or until an annuity with the doubler drains its cash balance.

To start your personalized quote just enter the required information along with your age, when you want to start receiving income, how much you’d like to invest and we'll do all the work for you!

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Annuity Quote

What are the 3 most important things to you as you prepare to retire? Are you concerned about outliving your retirement income? Are you concerned about rising health care costs eating into your nest egg? Are you concerned about increasing taxes?

Imagine the peace of mind you would have as you went through retirement stress free because you setup a solution that would cover all of your concerns. How would that impact your life? That's what working with us will give you.

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.

Protect your future with guaranteed income for the rest of your life. Speak with our financial experts today to find the best options for your financial situation. 

Learn why now is the perfect time to buy an annuity.


Fixed Index Annuities



On March 27, 2020 the House of Representatives followed up on the Senate’s March 25 passage (by a 96 to 0 vote) of H.R.748, the CARES Act. The House passed the $2+ trillion bill by a voice vote. The bill’s goal is to rescue the economy and the millions of Americans struggling with the virtual nationwide shut-down of most commerce as a result of the coronavirus pandemic.

The CARES Act requires that guidance on how the program will work must be issued within 30 days of the law’s enactment (so, by around April 27).

Retirement Savings

The CARES Act includes a number of retirement savings plan provisions. The Act:

  • Suspends required minimum distributions for 2020.

  • Allows plan participants to borrow all of their vested account balances, up to $100,000, and extends the time for repaying these loans.

  • Waives the penalty tax on early withdrawals. Repayments of these withdrawals and loans (all of which must be coronavirus crisis-related) can be made within three years, and regular income tax on these withdrawals can be paid over a three-year period.

  • Includes a rule that allows single employer defined benefit (DB) plan sponsors more time to make required contributions to their DB plans. Such payments can be deferred for a year, but interest on the required contributions for the deferred year must be paid.



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.


Have you ever lost money in the Stock Market?
Last year we had a pretty good year in the Stock Market.

Hopefully it will keep going up. But what happens if it goes down?
How much more of your money are you willing to lose?

How would that affect your income? How much would it affect your income if the market dips for another couple of years? If you could lock in your returns and position your money so you could not lose any more money.....
but you could reap the potential upside of the stock market.....

In this webinar, author, podcast host and retirement professional Jennifer Lang explains the impact of the SECURE Act and how it affects required minimum distributions.

Do you have an inherited 401(k), IRA or other retirement account? Your RMDs may be significantly changing. Learn more in this webinar. Watch now.

After you have watched this video, would it be worth a 40 minute phone consultation to talk about it?

The key to successful retirement planning is developing a plan that while based on your current financial situation, also meets your projected financial goals down the road.

You deserve an agent who will ensure that your options are laid out in front of you so that you can have the best retirement income protection possible. Let us help.


Your FREE consultation includes rates on the highest paying annuities available from top rated companies.
Plan illustrations are customized for State, Age and Risk Tolerance. 

Lock in your rate now!


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.

Annuities help you plan for longer (and thus greater) income needs. Long-term care riders help cover the possibility that expensive health-care treatment not covered by Medicare, will help you not run out of money as you get older.


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.

Before you retire, have a Plan B. At JenniferLangFinancialServices.com we work with over 50 life insurance companies to find you the best rate with the best coverage. Let us help you today.


Get an Annuity Quote

What You Get:

1. Tax-deferred growth. You will pay no income taxes on the earnings from your annuity growth until you begin making withdrawals or receiving periodic payments.

2. Unlimited contributions.

3. Choice of saving options.

4. No mandatory withdrawals.

5. Death benefit.

6. Lifetime income benefits.

An Annuity Advisor Will Contact You Within 24hrs.

*We adhere to strict suitability standards.
Please do not allocate more than 50% of your retirement portfolio to your annuity.

For example: Let's say you have $100,000 in a 401(k) account. The most you could use for your annuity deposit would be $50,000.00

Our ultimate goal is not to only help you plan for the uncertainties of retirement, but to make sure you have an annuity that is suitable for your needs.

If however, an annuity is not the best fit for you, we will offer a suitable strategy that will fit your needs, goals and time horizon.
So please offer as much detail as possible.

What are you most concerned about? (Select all that apply)
What type of annuity would you like?
Are You Exchanging an Annuity You Already Have?
Are you a business owner?
If so, would you like to set up a group annuity?

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.