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Secure A Base Level Of Income For Retirement

Silver Summit Financial helps mitigate any potential risk that may surround your retirement income. We’ll secure a portion of your assets to generate guaranteed income for life.

Comfortable Retirement Remains The #1 Financial Concern

According to a recent Insurance Barometer Study, saving for retirement remains the top financial concern and commands more attention than any other item for most consumers.
Americans of all income classes are concerned they will not have enough INCOME to secure their saving goals, monthly living expenses, and possible long-term care expenses. This has created a great deal of anxiety for many and has led people to look into their options to create a guaranteed source of retirement income.

There Are Only 3 Sources Of Guaranteed Retirement Income.

Government benefits, such as Social Security and any defined-benefit pensions, are the two common sources that annuitize your retirement wealth. The third option to increase your amount of guaranteed income above and beyond those benefits would be from an inflation-protected life annuity from a highly-rated insurance company.

Social Security

Social Security replaces a percentage of a worker's pre-retirement income based on your lifetime earnings. The amount varies depending on earnings and when you choose to start benefits.


Defined benefit plans provide a fixed, pre-established benefit for employees at retirement. With most of the responsibility and risk being to the employer, they are becoming increasingly scarce.


An annuity is a contract between you and an insurance company. Specifically, a Lifetime Income Annuity. In exchange for your premium payment, the insurance company provides you with income, either starting immediately or in the near future.

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Here Are A Few Highlights From Our Proprietary Social Security Maximization Service:

  • Discover your unique 'optimal retirement age' strategy. We'll analyze your unique situation, test every scenario possible, and show you which claiming option will be the best strategy.
  • Compare optimal strategy against other claiming strategies. We'll show you how your optimal strategy performs against claiming at age 62, your full retirement age (FRA), and age 70.
  • Receive a shortfall analysis on your retirement income. We'll show you if (and when) there will be a shortfall in your retirement income and present you with the best options for how to 'close the gap'.
  • Annuity – Guarantee a portion of your money with an annuity.
  • Invest additional assets confidently. Once you have secured a base level of guaranteed income, we can help you invest additional money in a more opportunistic and strategic manner.

Today’s annuities offer a range of features and benefits that may help you accumulate assets for retirement, preserve what you’ve accumulated, turn those assets into a guaranteed stream of income, and help you pass on a financial legacy to your loved ones.

Most annuities have two phases. First, there’s an accumulation phase, during which you let your money earn interest. This is followed by a distribution, or payout phase, during which you receive money from your annuity.

A fixed index annuity (FIA) offers a unique combination of benefits that can help you achieve your long-term goals. No other product offers tax-deferral, indexed interest potential, and optional benefits to protect your retirement assets and income.

A Fixed Index Annuity Offers A Unique Combination Of Benefits That No Other Product offers:

  • Tax-deferred growth: Compounded over time, tax-deferred growth may increase the amount of savings and income your annuity generates for your retirement.
  • Indexed interest potential: Some annuities offer you an opportunity to accumulate interest based on changes in an external index.
  • Asset protection: There are a range of guarantees and optional income benefits that can help protect your assets and your retirement income.
  • Cash accumulation: As long as you abide by the terms of your contract, the cash accumulated inside your account is locked in and protected.
  • Guaranteed income: You can receive your contract's values in a stream of income that will last your lifetime (or longer). This puts you in control of your future income.
  • Death benefit: If you pass away before you begin to receive payouts, or in some cases after you've begun, your beneficiary will receive a death benefit.
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