BIRDSEYE FINANCIAL SERVICES (360) 722-7889
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      • Slides - ALL
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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 Education
FREE ONLINE BOOK
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Download
How Much Risk is Acceptable?
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HOW ANNUITIES COMPARE
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Non-Qualified Annuities are taxed as ORDINARY INCOME, not as LONG-TERM Capital Gains. Which means that you could end up paying much more in tax then you may have expected. Non-Qualified is taxed differently then Ordinary income and this is important not to make this mistake if you have a choice of the types of funds to use for annuities. For more information, speak to your tax advisor.

Fixed
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. These are often used to grow money safely and with a rate that is many times higher then a bank CD. 
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Fixed Index
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 unless you choose to pay for a rate enhancement. Index Links
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Variable
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.
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SPIA
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.
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ANNUITY INCOME RIDERS
This is an option that may be included onto a Variable or Fixed Index Annuity that allows you to receive a lifetime income based upon your life expectancy while having access to your cash value within the policy. The cost for this type of rider is around 1% depending upon the carrier. There are many more details about how these work and we ask that you read the documents offered by the carriers prior to making a decision to purchase an income rider.  Learn More...
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Index Annuities Offers Safe Growth
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Download this graph above
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Guaranty Associations
EDUCATIONAL ONLY (Some information will be different with each insurance company)
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- Taxation of Annuities
- Annuity Exclusion Ratio
THE ABC GUIDE OF THE
FIXED INDEX ANNUITIES

Are you looking for a quick read that helps you to better understand the value of Fixed Index Annuities?
DOWNLOAD BOOK
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FIA Basics
FIA Education
State Guaranty
MVA Explained
Annuity contracts typically require money be left in the annuity for a specified period of time, usually referred to as the “surrender charge period”. If you fully surrender your annuity contract at any time, guaranteed payments provided for in the contract and any rider will typically be in force, and you will receive your contract’s cash surrender value. The annual reset allows for any interest credited on each contract anniversary to be “locked-in” and it cannot be taken away due to market decreases. The interest credited is added to the accumulation value of your contract, which then becomes the guaranteed accumulation “floor” that will be included in the calculation of the interest that is credited going forward, subject to any withdrawals and applicable rider fees. The annual reset sets the index starting point each year at the contract anniversary. This reset feature is beneficial when the index experiences a severe downturn during any given year because not only do you not lose accumulation value from the downturn, but the new starting point for future growth calculations is on the lower index value. Although an external index may affect your interest credited, the contract does not directly participate in any equity investments. You are not buying shares of an index. The index value does not include the dividends paid on the equity investments underlying any equity index. These dividends are not reflected in the interest credited to your contract. Early withdrawal charges will apply if money is withdrawn during the early withdraw charge period. The S&P 500® is a trademark of Standard & Poor’s Financial Services, LLC and its affiliates. Birdseye Financial is not affiliated with, nor does it have direct business relationship with Standard & Poor’s Financial Services, LLC. ​Not FDIC Insured | May lose value | No bank or credit union guarantees | Not a deposit | Not insured by any federal government agency or NCUA/NCUSIF 
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Resource Page
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Vendor Bookings
Ring Central
Birdseye Financial Inc
136 Hillside Dr E
Burleson, TX 76028
Main # 360-722-7889
Texas # 817-704-3544
Fax #425-412-6865
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INFO@BIRDSEYEFINANCIAL.COM
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The content of the Birdseye Financial website, email, fax, social media, text messages, online meetings, and phone calls are for educational purposes only. Any material and its attachments, links, downloads, and/or any emails from Birdseye Financial employees/contractors are not intended to provide legal or tax advice. To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal or state tax advice contained in communication (via Website, Email, Fax, Text, Social Media, in person, or by phone) is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Please seek the advice of appropriately licensed individuals for legal or tax advice relating to your individual situation. Birdseye Financial and its employees/contractors are not tax, legal, or investment advisors and are not operating in such a manner. Any advice you receive should be taken as non-tax, not legal, and non-investment advice and only educational in nature. Should our clients need a licensed investment advisor, we recommend LifePro Asset Management. Please know investments in the market carry an inherent element of risk. No investment in the market or strategy can guarantee a profit or prevent a loss. Any illustrations used in the sales or service process are to be considered hypothetical and for explanatory purposes only. 

MEDICARE MANDATORY DISCLAIMER
“We do not offer every plan available in your area. Currently in WA State we represent seven organizations which offer 34 products in Snohomish County and 33 products in King County and 19 products in Whatcom County. Please contact 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 prior to 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.)

Birdseye Financial and its employees/contractors are not employees/contractors of Medicare, the government, insurance company or any other agency. We are independent licensed agents. All calculators and illustrations shown or sent from our website, email or any other means are designed to be informational and educational only. They do not constitute investment advice. We encourage you to review your insurance and investment strategies periodically as your financial circumstances may change. On many products it is important to note that PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS OR INTENDED TO PREDICT ACTUAL PERFORMANCE. ACTUAL INTEREST CREDITING RESTULTS WILL VARY BASED ON MARKET CONDITIONS, INDEX ALLOCATIONS, AND INTEREST CAPS, RATES, SPREADS, PARTICIPATION RATES and possible Fees. The use of different time periods and funding amounts can cause results to differ from other products. Illustrations may be based on hypothetical historical data. 
 
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.


S&P 500 and S&P are registered trademarks of Standard and Poor's Financial Services LLC. No annuity or financial product discussed herein is sponsored, endorsed, sold, or promoted by Standard and Poor's Financial Services LLC, S&P Dow Jones Indices LLC, or their affiliates, and none of the Stand and Poor's Financial Services LLC, S&P Dow Jones Indices LLC, or their affiliates make any representation regarding the advisability of purchasing an insurance or financial product. This applies to all indexes used.
  • Home
  • About
    • Welcome to Birdseye
    • Who We Are
    • Risk & Portfolio Assessment
    • Request Free Consultation
  • Strategies
    • Key Components
    • Inflation Impact
    • Rule of 100
    • 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
    • Educational Webinars >
      • Taxes Declassified
      • Top 10 IRA Mistakes
      • Taxes in Retirement
      • 3 Economic Strategies
      • Five Key Areas of Retirement
    • Educational Videos
    • Documentaries
    • Recommendations
  • Planning
    • Retirement Analysis
    • Social Security >
      • Social Security Webinar
    • Pension Maximization
    • Risk Analysis and Investments
    • LifePro Asset Management
    • Federal Benefits >
      • Federal Benefit Kit
    • WA Retirement Systems
    • Business Tax Credit >
      • Research & Development Tax Credit
      • Employee Retention Tax Credit
      • Resources
  • Insurance
    • Annuities
    • Medicare >
      • Medicare Questionnaire
      • Medicare Clients
      • Medicare Networks
      • Medicare Rules
      • PEBB Benefits
    • Long-Term Care
    • Life Insurance >
      • Multi-Generational
      • Premium Financed
      • Final Expense
    • Health Insurance
    • Dental Insurance
    • Vision Insurance
  • Tools
    • Financial News Blog
    • Market Index Links
    • Market Simulations
    • Required Minimum Dist (RMD Calculator)
    • Calculators
    • Professional Referrals
    • Bankrate Interest Rates
    • Rate of Return Calculations
    • Zillow Home Value
    • Slides - Intro Step >
      • Slides - Hegna
      • Slides - Strategy
      • Slides - Taxes
      • Slides - Invest
      • Slides - Buffer
      • Slides - FIA
      • Slides - Income
      • Slides - Pension
      • Slides - ALL
  • Contact
    • Free Consultation
    • Schedule Appointment
    • Online Meeting
    • Secure Upload
    • Retirement Analysis (initial)
    • Retirement Software Client Portal
    • Application
    • Beneficiary Form
    • Rate our Service
    • Refer a Friend