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Tax-deferred Fixed Annuities

Tax-deferred Fixed Annuities

Reduce your taxable income today while saving for tomorrow.

Securities, insurance products, and advisory services offered through Cetera Investment Services, LLC.

If you are looking to build your long-term savings while lowering your current income taxes, tax-deferred fixed annuities may be a smart investment option for you.

What's in it for you?

  • Competitive yields, 100% guaranteed principal backed by the claims-paying ability of the issuing insurance company
  • Easy Access - You can withdraw a portion of your investment every year penalty-free. 1
  • Probate avoidance -b you select the beneficiaries for your annuity, proceeds can be passed directly to your heirs
  • No initial sales charge or annual fee
  • If you annuitize, you will receive a regular fixed income from the annuity and can choose to have it paid out over a set time frame or guaranteed for your lifetime
  • Earnings grow tax-deferred until you withdraw them. They are then taxed as ordinary income
  • A great benefit of annuities being tax-deferred is triple compounding because your principal, interest and deferred taxes are all compounding 1
  • Tax reduction  - annuities may help you reduce taxes on Social Security by reducing your annual taxable income 2

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Please note:

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with North Shore Bank or its related companies. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency..

View Cetera Investment Services privacy policy and other important information.

Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Advisory Services Agreement and disclosure brochure as provided.

For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera, nor any of its representatives may give legal or tax advice.

Check the background of our investment professionals on FINRA’s BrokerCheck.
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