Hunt Valley Annuity Planning

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Welcome to

Maryland Annuity Resource

Your Source for Annuities,

Retirement,

and Income for Life!

Serving all of Maryland, Washington D.C. and Virginia

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Maryland Annuity Resource

Annuities and Fixed Annuities

Fixed Indexed Annuities

Immediate Annuities

Tax Deferred Annuities

MYGA Annuities

Individual Retirement Accounts

401K Rollovers

SEP IRA's

Roth IRA's

IRA Rollovers

Serving all of Maryland

The Best Retirement Annuities in Hunt Valley, Maryland

Annuities, Retirement, and Income for Life

Maryland Annuity Resource offers Annuities, Retirement Planning and Income for Life strategies to ensure that you never outlive your assets. There are many ways to fund your retirement, but we believe that having the right plan that involves an annuity is the right path to choose. Annuities are contracts between you and an insurance company and we are annuity brokers. We will meet with you in person, over the phone, of you can come to one of our two locations in Montgomery County Maryland.

The process of shopping for an annuity is pretty simple. Not everyone can meet the suitability requirements that annuities have. An initial phone interview will be conducted and a brief explanation of your time horizon, goals, investment experience, and overall investment attitude towards money will give us the information that we need to point you down the right path. There is an annuity for every life stage and we are sure we can help you.

We hope you explore every page of this website as it was created to be an educational source for those investors that are serious about their money and it’s growth. We only offer the best rated annuities from the best rated carriers and if you situation is not a match, we will be the first to tell you. Thank you for finding us and we look forward to working with you.

Annuities

 Annuities

Annuities are investment vehicles that are excellent at protecting your principal and compounding your investment.  Annuities are contracts between you and an insurance company where you have several options and contract features that are unique to each carrier. If you save money and your are saving money inside a bank, you could be earning more interest. Click the image to find out more.

Fixed Annuities

Fixed Annuities

Fixed Annuities are fixed investment contracts that are offered by Insurance companies. Similar to CD investment vehicles that are offered by Banks, Fixed Annuities offer fixed interest rates on your principal that have varying terms that differ from carrier to carrier. Fixed Annuities are used in laddering strategies by many investors similar to saving with CD’s. Annuities are offered by insurance companies while CD’s are offered by banks. Click the image to find out more.

Fixed Indexed Annuities

Fixed Indexed Annuities

Fixed Indexed Annuities are Hybrid Annuities is a sense that these types of Annuities combine two types into one product. If you combine a Fixed Annuity that offers fixed interest rates and a Indexed Annuity that offers interest gains based on the performance of a chosen index you get a Fixed Indexed Annuity. These Annuities have guaranteed lifetime income riders that attach to the contract the will provide you income you cannot outlive. Click the image to find out more.

Immediate Annuities

Immediate Annuities

Immediate Annuities are named immediate because they provide an immediate income usually within one month of a deposit or contract with an Insurance company. Many investors use this type of annuity to create a personal pension or to spread out the tax burden of a large lump sum of money.

MYGA Annuities

Multi Year Guaranteed Annuitiestime is money

Multi Year Guaranteed Annuities or MYGA’s are multi year guaranteed annuities that offer a fixed rate of return that is contractually guaranteed by the insurance carrier. There are varying terms ranging from 3 years up to 10 years. Many investors use these types of annuities for College Savings, Laddering Strategies, or a simple savings plan that is guaranteed and offers a higher interest rate than traditional CD’s.

IRA’s

Individual Retirement Accounts

Individual Retirement Accounts are really easy to set up. First you need to decide if you want tax free money or to pay taxes when you receive your distributions when you retire. Once you decide that, you will need to choose your underlying investment. We suggest an annuity based on all of its features and options compared to mutual funds and other mainstream investments that truly have the potential to lose value. Accounts can be started with as little as 2k for qualified accounts and 10k for non qualified accounts. Click the image to find out more.

Roth IRA’s

Roth IRA’s

When you decide to open a Roth IRA, we suggest a Roth IRA Annuity. The Roth IRA Annuity is just like a Roth IRA but the underlying investment is an annuity contract. There are many benefits of owning a Roth IRA Annuity as with any Roth, the distributions are tax free in you have the account open at least 5 years and there are no minimum distributions at age 70.5. Click the image to find out more.

SEP IRA’s

SEP IRA’s

SEP IRA’s are designed for the self employed or better know as the Simplified Employee Pension Plan. There are many choices for IRA’s and the SEP is just only one. Simplified Employee Pension (SEP) plans can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees. A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25 percent of each employee’s pay. Click the image to find out more.

IRA Rollovers

IRA Rollovers

Is your IRA broke? Do you understand everything you need to know about your IRA? Have you suffered a loss and can’t explain why? Let us help you understand your Individual Retirement Account and most of all its underlying investment. Do you really know how to pick stocks and mutual funds? Let us introduce you to the IRA Annuity. Click the image to find out more.

Lifetime Income

Lifetime Income RidersDo you dream of lifetime income? Did you win the lottery? Are you so rich that you will never need to worry about money? If not then let us tell you about guaranteed lifetime income that you can create for yourself with an annuity with an income rider attached. At the end of the annuity contract you have several options to cash out, receive periodic payments, or exchange access to that cash for a guaranteed lifetime income stream. Click the image to find out more.

For a free consultation and review of your information, feel free to contact us via email or phone. Please use this contact form here.

About

Jack Fleming started Maryland Annuity Resource as an educational website for his clients he met through his Insurance Agency Comrade Financial Group. Annuities are just part of the business but the most misunderstood insurance product in this business. Many of our clients are well underfunded for their retirement and we realized that in addition to their IRA, SEP IRA, or 401(k) plan, that an Annuity was a wise investment as an additional source of income. Jack is married as resides in Germantown, Maryland with his wife and two boys. Jack Fleming is a licensed Insurance Broker or Annuity Broker in this case. Jack holds the Title, Life, Health, and Annuity License from the State of Maryland, State of Virginia, and Washington D.C. Rest assured as we also carrier 1 million/2 million errors and omissions insurance that is additional to running this business as a Sole Proprietorship. Many brokers will start a LLC to hide behind the protections of that entity to reduce liability. We do not work that way and remain liable for everything we do and say to you. Enjoy the website.

Are you still here? Give us a call or email us anytime. We are here to serve.

Annuity Income Riders

Fixed Indexed Annuities have contract features that allow you the annuitant to add an Income Rider to your annuity contract. These differ from carrier to carrier so please tell us that you are expecting to receive income from your contract. These features do have charges but are minimal compared to the growth potential and the ability of having an income stream that you cannot outlive.

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IRA and 401(k) Rollovers

We offer IRA and 401(k) Rollovers to a qualified IRA Annuity or any other annuity account of your choice. Did you leave your job, getting ready to retire, or your account is just not growing to your expectations? We can help show you how simple it is to rollover your account to the protection that only annuities offer. Please see our approved Rollover Guide to see what your options are. The process is about 7-14 days for the rollover transaction to take place.

Annuity Review and Annuity Exchanges

We offer Annuity Review services to make sure you know what you have and how to maximize that product through proper asset allocation in current market conditions. We also offer Annuity Exchange services that are within the guidelines of a 1035 Exchange to the transfer would be tax free depending on the circumstances. You have a wealth of product offerings and they are changing all of the time. Bonus products, non Bonus products, uncapped index options and the list goes on and on. We would be happy to help.

Taking care of Retirement one Annuity at a time! Call or email today!