BIRDSEYE FINANCIAL SERVICES (360) 722-7889
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Resources
Annuity Reviews
How Annuties work
Popular Index Lookup
HOW ANNUITIES WORK
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An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments.

Annuities typically offer tax-deferred growth of earnings such as Index Funds with no risk, and may include a death benefit that will pay your beneficiary a specified minimum amount, such as your total purchase payments or payments with growth.

While tax is deferred on earnings growth, when withdrawals are taken from the annuity, gains are taxed at ordinary income rates, and not capital gains rates.

​If you withdraw your money early from an annuity, you may pay substantial surrender charges to the insurance company, as well as tax penalties or if your under age 59 1/2 which like a IRA, may incur a 10% penalty.
ANNUITY BOOK
(Download your copy)
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Annuity Report
Download Book
How Much Risk is Acceptable?
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FOUR MAIN TYPES OF ANNUITIES
There are four basic types of annuities in the marketplace and each one has it's own features. We will share some basic details below that can help you better understand how these work. We also suggest you reveiw an Annuity Illustration and ask questions prior to your purchase of such a product. 
SPIA
INCOME ONLY
​Single Premium Immediate Annuities  requires a lump sum of premium in exchange for a lifetime income based upon life expectancy. In most cases there is a PERIOD CERTAIN option that continues to pay a beneficiary should you not outlive the specified period selected. Income starts immediately and your access to premium paid is gone.

There could be better options!!!

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FIXED
GUARANTEED RATE
OR A FLEXABLE RATE

Fixed Annuities offer a Guaranteed or Flexible rate for a term that has been chosen. Most common is a 5 year guaranteed rate that ranges from 2.5 to 4% depending upon the marketplace environment at time of purchase. Fixed Annuities are often used to grow money safely and with a rate that is many times higher then a bank along with a tax deferral option better than CDs. 
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FIXED INDEX
NO MARKET RISK
Fixed Index Annuities allow you to select a market linked index without the risk. You will choose an index that provides you potential interest rate based upon the index performance using a choice of a Cap, Spread or Participation Rate.
​There is NO MARKET RISKS and in most cases NO FEES in most cases, but there are exceptions on some options available. 

Look at the 
Index Performance
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VARIABLE
MARKET RISK & FEES
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Variable Annuities are directly invested into the market through sub-accounts, much like mutual funds. These are offered by brokers and have MARKET RISK and a substantial amount of fees that often range from 3.5 to 5% per year. They are complicated as they combine investments and annuities together into one product with lots of rules.

LISTEN TO SUZE ORMAN
Growth vs. Income
The needs of each person can be different. This means there are options.
GUARANTEED INCOME 
You can receive an income for life either monthly or annually. Most companies charge a fee but also offer a guaranteed roll-up benefit and Long-Term Care feature that can be triggered later in your life.
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SAFE MARKET GROWTH
You can receive a market linked growth rate of return with no market risk and NO fees*.
Income may be taken as needed of up to 10% per year with most carriers. 


*Some indexes may have an optional fee for enhanced index growth options.
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RISK MARKET GROWTH
The concern of money strictly in the market is when your taking out money during retirement. Often on a down market it can be very difficult to return from the market decline called the Sequence of Returns
​​

Guaranteed Income Strategy
When planning for income, many clients try to take money from their investments like the market but can often find issues happen when the markets are falling or have a lot of volatility. How do we solve this? We simply use an INCOME STRATEGY which offers a Guaranteed Income, partnered with a Safe Market Growth or Risk Market Growth investment
INCOME CHALLENGE
If a client has a Million dollars, they may choose and they want 5% Partial Withdrawals, they would take $50,000 per year. But if the market is volatile, they could run into a 
Sequence of Returns issue 

INCOME STRATEGY OPTION

- Invest $700,000 into a Guaranteed Income annuity and receive $50,000 for life 
- Invest $300,000 into either a Safe or Risk Market investment.

WHAT COULD BE A POSSIBLE OUTCOME?
A lifetime income of $50,000 for life and if your investment received a rate of return of 7.27% then you would double your money in 10 years to $600,000 and in another 10 years double to $1,200,000. 
WHAT IS THE RULE OF 72?
The Rule of 72 is a simple way to determine how long an investment will take to double given a fixed annual rate of interest. Dividing 72 by the annual rate of return gives investors a rough estimate of how many years it will take for the initial investment to duplicate itself.
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What rate of return you should expect?
  •  Safe Growth = 5-7% average
  • Risk Growth = 7-10%+ average

Fixed Index Annuity Features
  • Potential Growth (Fixed rate and Safe Index Growth )
  • Guaranteed Lifetime Income or Flexible Income
  • Enhanced Death Benefit or Standard Death Beneift
  • Access funds starting year 2 with most carriers
  • Long-Term Care Rider (Optional with guaranteed income rider)
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How do Fixed Index Annuities Work?
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A Fixed Index Annuity will gain with the market, but not lose principle or interest during a down market.​
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Guaranty
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BaNk Failures
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Market Value Adjustment (MVA)
MVA is an issue only when you take out more than the Partial Wtihdrawal percentage of your annuity in any given policy year. MVA will adjust as interest rates go up or down during any policy year. MVA is on most annuity contracts, but not all.
LEARN MORE
WHAT HAPPENS WHEN INTEREST RATES CHANGE?
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THE POWER OF ANNUAL RESET
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HOW RATE LOCKS WORK (not on all products)
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ANNUITY TAXATION
Annuities are taxed as Ordinary Income. So if you have a NON-Qualified, annuity, remember this will be taxed differently then a Non-Qualified investment like a stock. It is important that you consult a tax advisor with questions you may have.
- Taxation of Annuities
- Annuity Exclusion Ratio
- Tax Form Types


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​This information on this website is for educational purposes only and not meant to be taken as advice. Please consult product illustrations and disclosures prior to making any informed decision. All results above are hypothetical in nature and may not be the results you receive. 
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We are experts on Retirement and Tax Planning Strategies.

​Schedule a Discovery Call with us!!!

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We appreciate your Online Review!
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Birdseye Financial Services
​
136 Hillside Drive E
Burleson, TX 76028

​
Client Resources
Main # 360-722-7889
Texas # 817-717-1487
Fax #425-412-6865

​
[email protected]

birdseyefinancial.com
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CLICK TO READ OUR FULL DISCLOSURE
The information contained herein: (1) is proprietary to Birdseye Financial Group and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Any information herein about providers, speakers, and services does not constitute a recommendation or endorsement. This material is not to be distributed without the express written consent of Birdseye Financial. Regarding your financial situation, you should consult with a financial professional before acting on specific actions or suggestions given. For legal or tax advice, you should contact your qualified attorney or CPA. Insurance and tax planning services are offered through Birdseye Financial. Investing involves risk, including the potential loss of principal. No market investment strategy can guarantee a profit or protect against loss during declining values. ​Fiduciary Investment Advisory Services are offered through Simplicity Asset Management, an SEC-Registered Investment Advisor. Registration does not denote any level of skill or qualification.

MEDICARE MANDATORY DISCLAIMER
“We may not offer every plan available in your area. ​Please get in touch with Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.” All calls regarding Medicare may be recorded by phone or online and a SCOPE of appointment required by Medicare will be obtained 48 hours before any sales meeting to discuss plan details. (NOTE - The organizations and plans can vary by state and county, we can validate these numbers upon request.)

State Licenses
LICENSES: AZ #7101306, CA #4140429, FL #W825259, GA #3621424, ID #863617, KS #7101306, MA #2176921, NV#3879853, NC #7101306, OK #3001663224, OR #7101306, TX #2695866, WA #190780. Note that in California, our DBA is Birdseye Financial and Insurance Services. The current license status may increase or decrease without being updated on this site. ​If you have any questions, please don't hesitate to ask.

PRIVACY POLICY       OPT-IN PROCESS
  • Home
  • About
    • Who We Are >
      • Explore More
    • Corbin Lindsey, Advisor
    • Our Reviews
    • Get Started
    • Risk & Portfolio Assessment
    • Request Free Consultation
  • Strategies
    • Key Components
    • Sequence of Returns
    • Volatility Buffer >
      • Volatility Buffer Webinar
    • Tax Strategies >
      • Tax Free Income
      • RMD Calculator
      • IRA RMD RULES
      • ROTH IRA
      • ROTH Conversion
      • Tax Declassified Webinar
      • Qualified Charitable Donation
      • Business Tax Credit
    • Inflation Impact
    • Educational Videos >
      • Documentaries
      • Educational Webinars >
        • Taxes Declassified
        • Top 10 IRA Mistakes
        • Taxes in Retirement
        • 3 Economic Strategies
        • Five Key Areas of Retirement
    • Recommendations >
      • ROTH Conversions
      • Volatility Buffer
      • Tax-Free Income
      • Wealth Transfer
    • Premium Finance
  • Planning
    • Retirement Analysis >
      • RA Sample
    • Social Security >
      • Social Security Webinar
    • Pension Maximization
    • Risk Analysis and Investments
    • LifePro Asset Management >
      • Questionnaire
    • Estate Planning
    • Federal Benefits >
      • Federal Benefit Kit
    • WA Retirement Systems
    • Boeing Retirement >
      • Boeing Webinar
      • Boeing Download
      • Boeing Calendar
      • Boeing Retirement
    • Business Planning >
      • Tax Free Multiplier
      • Business Tax Credit >
        • Resources
      • Employee Retention Tax Credit
      • Research & Development Tax Credit
  • Insurance
    • Annuities >
      • Annuity Resources
      • Market Index Links
      • Annuity Report
      • Annuity Reviews
    • Medicare >
      • Medicare Questionnaire
      • Medicare Clients
      • Medicare Plan Compare
      • Medical Networks
      • Medicaid Info
      • PEBB Benefits >
        • 2024 PEBB Retiree Guide
      • Medicare A&B
      • Medicare Rules
      • Medicare Meetings
      • Medicare Education
    • Long-Term Care
    • Life Insurance >
      • Multi-Generational
      • Premium Finance
      • Final Expense
    • Health Insurance
    • Dental Insurance
    • Vision Insurance
  • Tools
    • Financial News Blog
    • Market Simulations
    • Required Minimum Dist (RMD Calculator)
    • Interest Types
    • Calculators
    • Professional Referrals >
      • Dead Doctors Don't Lie
    • Bankrate Interest Rates
    • Rate of Return Calculations
    • Zillow Home Value
    • Credit Info
  • Contact
    • Free Consultation
    • Schedule Appointment
    • Online Meeting
    • Secure Upload
    • Retirement Analysis (initial)
    • Retirement Software Client Portal
    • New Application
    • Application Process
    • Beneficiary Form
    • Client Resources
    • Phone App
    • Rate our Service
    • Refer a Friend