Fixed Annuities

Commission-free Fixed Annuities on the RetireOne platform offer RIAs and their clients protection against losses with a fixed rate of return. These solutions are interest-rate sensitive, but may offer guaranteed lifetime income, and tax-deferred growth. Like Multi-Year Guaranteed Annuities (“MYGAs”) they are favored by conservative investors seeking predictable investment returns. The difference between a MYGA and a fixed annuity is that MYGA rates are guaranteed for the life of the term (3, 5 or 7 years, for instance). Fixed annuities typically offer a guaranteed minimum rate, and may reset annually based on a stated formula.