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Advisor Insights

Is an Annuity Right for Your Client?

Evaluating how well an annuity would deliver on common financial goals, from income production to tax efficiency.

If there is one investment that sparks both deep confusion and heated debate, it’s annuities.

It starts with the fact that these are insurance products, even when they are combined with mutual funds. They range from low-cost, simple annuities that can deliver on a promise for a guaranteed stream of income and strengthen a retirement plan, to expensive, highly complicated packages offering uncertain results that critics often rightly deride as not much more than a way for an advisor (or insurance salesperson) to earn a commission.

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