Arkansas Producers License # 358716
Arkansas Producers License # 358716
The Spear Agency, Inc. 
Learn How to Guarantee your Retirement Income. 

Welcome

Annuities and Retirement Safety
 

  • I want my money to be safe.
  • I want to pay less taxes on my interest.
  • I want my money to grow as fast as possible.
  • I want to be able to access my money.
  • I want my money to go directly to my heirs and bypass probate if anything happens to me.  

Safety: By contract, a fixed or equity indexed annuity guarantees that your principal is protected from market volatility. There may be a penalty for early withdrawal, but you, as the annuity owner, can control your withdrawals. So, there is no one else and no other circumstance that can cause you to lose money.

Tax Deferral: People want a reasonable rate of growth as well as a tax advantage. To help accomplish that goal annuities offer tax deferral, so while your money is growing and you are not taking withdrawals, you are delaying taxes.

Yield: Fixed indexed annuities offer better rates of interest than other financial products. Many carriers also credit an up-front bonus anywhere from 3% to 10% on some equity indexed annuities from the day your account is opened.

Liquidity: Most people feel that liquidity, safety and growth do not co-exist very well. The good news is that most annuity products build in enough liquidity options to make customers comfortable. Even retirees, who need to withdraw money annually or even monthly, can create an income stream or supplement their income with annuities.

Estate Advantages: Annuities have estate advantages that can be very helpful to some people. One advantage is speed. With an annuity, you get to name a beneficiary and typically avoid the probate process, so an annuity can be the quickest way to get money to a beneficiary after your death. Another advantage is privacy. With an annuity, you get to name a beneficiary and avoid passing assets through your will.


Saving for retirement - is not always an easy process. Questions as to where to put your money, what risk should you take and how much do you need to invest are extremely important to clarify in order to create a successful retirement.

Indexed Annuities -
have become a popular tool to save for retirement. They are versatile financial products that allow people like you to save without market risk, receive tax-deferred earnings and some allow you to earn credit based on stock market indicies such as the S&P 500 without risk of losing your principal.
  • Allows both GROWTH and SAFETY.
  • Earn credit based on the performance of a stock market index such as the S&P 500.
  • Offer a minimum guarantee.
  • Protect principal from economic uncertainty.
  • Allows tax-deferred growth

An annuity allows for an individual to save for retirement while enjoying the benefits of tax-deferred growth. There are no up-front fees and no administrative fees during the life of the contract.

Ask our experts to explain which type of annuity would be right for you!  

Seniors

Our Commitment
At TSA, Inc., we treat our clients with courtesy and integrity. We guarantee realistic, honest financial products that achieves results. We will work with you on a course to financial freedom. Our years of experience and notable expertise ensure that your financial future is in good hands.

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