Annuities
More Options. More Flexibility. A Smarter Approach.
Annuities have evolved. They are not for everyone, but for the right person, they can be an effective tool for retirement planning, protecting a portion of savings, or creating a predictable stream of income.
Your timeline.
Your plan.
A Personalized Approach
Annuities aren’t a one-size-fits-all solution. I take the time to understand your goals, review your financial picture, and evaluate whether an annuity fits your needs. Together, we’ll compare the options and discuss the benefits, trade-offs, and potential risks so you can make an informed decision.
What to Consider
Accumulation & Growth
May offer tax-deferred growth and features to help you build your retirement savings.
Retirement Income
Can provide guaranteed payments for a specified period or for life, subject to the contract and the insurer’s claims-paying ability.
Protection & Flexibility
Some offer principal protection or optional benefits, while others involve investment risk. Fees, surrender periods, withdrawal restrictions, and benefits vary.
The Right Fit First
I compare features, costs, liquidity, guarantees, and insurer strength to help determine whether an annuity supports your objectives—or if another approach may be better.
The Bottom Line
Your Future. Your Income. Your Decision.
Annuities can be a valuable part of a well-rounded financial plan when they align with your goals. Let’s review your options and determine the best path forward.
Roberto Garza is licensed in the State of Texas for life, disability, health, and Medicare insurance. Annuity guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities may carry surrender charges, fees, and limits on access to funds. Withdrawals may be taxable, and withdrawals before age 59½ may incur a federal tax penalty. Variable annuities involve investment risk, including possible loss of principal. This is not tax, legal, or investment advice, and AFCO Financial Services and Roberto Garza are not an investment adviser or a broker-dealer.