Products include:

  • Flexible premium deferred annuities
  • Indexed deferred annuities
  • Variable annuities
  • Single premium immediate annuities (SPIA)

Wealth management and investment strategies are tied together for First Foundation‘s clients and often using annuities may be a part of their portfolios. Most investors do practice not keeping all of their eggs in one basket.

Financial institutions frequently survey people about what are their most important concerns about retirement planning and the answer heard frequently is:

“What if I outlive my money?”

Annuities offer the security or peace of mind from lifetime income options that are not available from other investments. Growth is tax-deferred until distributions occur and there may be guarantees of principal that other investment vehicles cannot provide. But understanding the differences between variable, indexed, fixed, and single premium annuities may not be simple. First Foundation Insurance Services will review existing annuities and has access to a variety of annuity products from top-rated carriers when annuity products make sense for the client.