Retirement Retirement It’s taking that second vacation instead of giving it a second thought. It’s planning a room renovation with confidence instead of planning it with doubt. It’s spending more time with your family instead of worrying about how much you’re spending. You’ve worked hard and done all the right things to plan for your retirement. Now keep a good thing going by adding guaranteed income to your future cash flow. Consider a deferred income annuity to add a guaranteed portion of your income in retirement.Read our guide on Deferred Income Annuities.Although there are several products and strategies investors can employ to potentially generate retirement income, they may not all offer the predictability of a steady income stream. However, there are products available today that can offer guarantees and income predictability. Variable annuities are long-term, tax-deferred investment vehicles designed to create a retirement income stream for life. They contain both an investment and insurance component, and provide tax deferred growth, access to professionally managed investment portfolios, death benefits, and flexible withdrawal options. Variable annuities are sold only by prospectus, and guarantees are based on the claims-paying ability of the issuer.Read our guide to Redefine Retirement. It focuses on variable annuities and how they work.Talk to a member of our team to learn about how annuities may fit into your overall retirement strategy. Retirees Face a Different Type of "R&R"There are options to consider if you aren’t on track to retire when you would like or you don’t expect to have enough money saved to live your desired lifestyle in retirement.Read this flyer on Reviewing and Revising Your Plan. Find a Financial Advisor Austin ArataServing Torrance - Skypark Bart Fernelius, CFP®Serving Warner Center, Westlake Village & Malibu Bill Wagner, AAMS®Serving Goleta Corinne Doi-MajorinoServing Tustin & Fountain Valley David BolducServing El Segundo Donna McNeely LPL Registered PrincipalCA Insurance License #0A78448 Eric SchwartzServing Manhattan Beach & San Diego Eric Johnson Serving Lakewood, Hawthorne & Huntington Beach Eric C. Schwilk, CFP®Serving Rochester, New York Frank AziziServing Manhattan Beach - Sepulveda Frank RehhautLPL Registered PrincipalCA Insurance License #OB14022 Greg EliaLPL Registered PrincipalCA Insurance License #0K18371 Howard Martinez, CPFAServing Brea Justin C. FlemingServing El Segundo & Redondo Beach Katie Lacina, CFP®Serving Brea Kyle CryerServing El Segundo Ozzie SayonServing Gardena Paul Smith Rita LabetaServing Webster, New York Sean Patikas-HunterServing El Segundo & Santa Monica Sean TompkinsServing Torrance - PCH Sharif AhmedServing South Bay & San Fernando Valley Tom HaddenServing El Segundo & Gardena Whitney Bullock, CWS®, LPL Registered Principal CA Insurance License #0D94440 Wynston MackieServing El Segundo, Westchester and Gardena Yvonne RedmondServing Manhattan Beach Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.