Products & Services
Annuities
A structured approach to retirement income.
Annuities can be one component of a retirement-income strategy. SilverStone helps clients evaluate contract options, income timing, and the trade-offs that matter to their financial picture.
What is an annuity?
An annuity is a contract between you and an insurance carrier. You make a lump-sum payment or a series of payments, and in return the carrier provides regular disbursements beginning either immediately or at a future date. Annuities are commonly used to supplement Social Security, fund retirement income, or provide a tax-deferred savings vehicle outside of a 401(k).
Fixed Annuity
Provides a guaranteed interest rate and predictable income payments. Low risk, straightforward structure.
Variable Annuity
Payments fluctuate based on the performance of underlying investment sub-accounts. Higher growth potential with corresponding market risk.
Fixed Indexed Annuity
Returns are linked to a market index (such as the S&P 500) with a floor that protects against loss. Balances growth potential with downside protection.
Immediate Annuity
Income begins within 12 months of purchase. Ideal for individuals at or near retirement who need income now.
Deferred Annuity
Accumulation phase precedes the income phase. Allows tax-deferred growth over time before distributions begin.
Who this is for
Business owners planning an exit
Convert a portion of sale proceeds into guaranteed lifetime income to reduce sequence-of-returns risk in early retirement.
Executives with concentrated wealth
Diversify beyond equities and real estate with a tax-deferred, carrier-backed income vehicle.
Employees approaching retirement
Supplement a 401(k) or pension with a guaranteed income floor that Social Security alone may not provide.
Organizations funding deferred compensation
Use annuities as a funding vehicle for non-qualified deferred compensation plans for key employees.
How SilverStone helps
We are independent — we are not captive to any single carrier. That means we shop the market on your behalf, compare contract terms, surrender schedules, and payout rates, and present you with a clear recommendation. We stay involved through the life of the contract, not just at placement.
Needs analysis
We assess your income gap, time horizon, risk tolerance, and tax situation before recommending any product.
Carrier comparison
We run quotes across multiple A-rated carriers and present a side-by-side comparison of rates, terms, and rider options.
Contract placement
We handle the application, underwriting coordination, and funding logistics from start to finish.
Ongoing review
We revisit the contract at key life events — retirement, estate changes, tax law updates — to confirm it still fits.
Ready to explore annuity options?
Every situation is different. A conversation with SilverStone takes less than 30 minutes and gives you a clear picture of whether an annuity belongs in your plan.
