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The six types in plain English: what each one does, who it tends to fit, and the trade-offs they all share. The clearest place to start.
Read FreeWhat a lump sum really turns into as a monthly paycheck, with worked examples for $100K, $250K, and $500K.
Why the high-fee reputation is only half true, the five possible charges, and how to spot one that is not worth it.
The options that protect your heirs, and how beneficiaries are actually taxed.
Why outliving your savings is the real retirement risk, and the honest options for addressing it.
Timing the two together, and the bridge that lets you wait for a larger lifetime check.
Have a question or want to talk it through? Reach out and we will point you in the right direction, or explore the coverage options that fit your retirement.
These guides are provided by Eterna Retirement Solutions for general educational purposes only. They are not investment, tax, or legal advice, and they are not a recommendation, offer, or solicitation to buy or sell any security, insurance product, or strategy. "Annuity" refers here to general product categories; features, guarantees, fees, surrender terms, riders, and access rules vary by contract and carrier.
Any rates, payout amounts, fee ranges, and tax figures shown are illustrative, change with interest rates, age, carrier, and contract terms, and are not quotes or guarantees. Your own numbers will differ. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company and are not FDIC insured, not bank guaranteed, and not a deposit. Withdrawals of taxable amounts before age 59 and a half may be subject to a 10% IRS penalty in addition to ordinary income tax.
Consult a qualified professional about your specific circumstances before acting on anything in these guides. [PLACEHOLDER, replace before publishing: insert the correct entity, licensing, and regulatory disclosures for the registrations Eterna and David Fisher market under, including insurance license numbers and states, and, if applicable, investment adviser (RIA or IAR) or broker-dealer affiliation and supervisory language.]
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