Annuities in Florida for Dependable Retirement Income

Secure Your Retirement with Annuities

Income you can count on—growth you can understand.

Annuities are contracts with insurers that provide guaranteed income or principal-protected growth. Fixed and indexed annuities can buffer market swings while building value for retirement in Vero Beach, Sebastian, and Fort Pierce. We’ll align your annuity with Social Security, pensions, and other life & financial insurance strategies so your plan works in real life.

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Benefits and Considerations

Tax Deferral Today—Predictable Income Tomorrow.

Annuities grow tax-deferred and can deliver income you can’t outlive. We’ll discuss surrender schedules, liquidity needs, and contract durations so you keep flexibility for life in Florida—hurricane seasons, travel plans, and family changes included.

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Types of Annuities

Pick the Structure That Fits Your Goals.

  • Fixed annuities: guaranteed interest for a set term—CD-like stability with tax-deferred growth
  • Indexed annuities: interest linked to an index with downside protection and caps/spreads
  • Immediate income annuities: convert a lump sum to income now
  • Deferred income annuities: create future lifetime income for later years


We’ll compare carriers, crediting methods, and riders (lifetime income, COLA) so choices are clear. Many clients coordinate annuities with whole life for legacy planning or with disability insurance for income protection before retirement.

Our Approach

Advice First, Products Second.

We start with your income map—essential expenses, discretionary goals, and risk comfort—then fit annuities only where they add value. No pressure, just clarity from the Complete Trust Insurance team on Royal Palm Pointe.

Frequently Asked Questions

Annuity Questions We Hear Most in Florida.

  • Are annuities safe?

    Guarantees rely on the insurer’s claims-paying ability. We work with highly rated carriers and diversify when appropriate.

  • Fixed vs. indexed vs. variable—what’s the difference?

    Fixed has a guaranteed rate; indexed credits interest based on an index with limits and downside protection; variable invests in markets and can lose value (often outside our core offerings).

  • Can I lose money in an indexed annuity?

    Your credited interest can be zero in bad years, but principal is protected per contract terms (excluding withdrawals/fees).

  • How are annuity withdrawals taxed?

    Interest is taxed as ordinary income when withdrawn. We’ll coordinate with your tax advisor.

  • What about surrender charges?

    Contracts have surrender schedules. We’ll match term lengths to your liquidity needs and explain penalty-free withdrawal features.

  • Can an annuity provide lifetime income?

    Yes. Through annuitization or lifetime income riders that guarantee payments as long as you live (or for joint lives).