ANNUITIES
Protect Your Future with Guaranteed Income
Why Annuities Matter
Now More Than Ever
Many Americans were led to believe that Social Security and market investments would be enough. But in today’s financial landscape
—defined by steep inflation, market volatility, and complex tax rules—relying on a single source of income is risky.
Even those who have saved diligently are facing:
- Social Security shortfalls and taxation
- Market losses that can erase retirement gains
- Increased healthcare and caregiving costs
- Reduced household income after the loss of a spouse
- Required Minimum Distributions (RMDs) that trigger unwanted taxes
- Confusion around when and how to convert retirement funds into tax-free income
Annuities—especially Fixed Indexed Annuities—offer a unique advantage: predictable, lifetime income without market loss, and with tax-deferred growth.
For many, they also offer a smart solution for ROTH conversions. By reallocating 401(k) or other qualified funds into strategic annuity structures, you can:
- Reduce tax exposure before RMDs begin
- Lock in guaranteed lifetime income
- Transfer wealth tax-free to beneficiaries
- Grow funds with compound interest, without market risk
- Boost your initial premium with available bonuses
This isn’t just about numbers. It’s about protecting your future when you may no longer have the health or capacity to manage complex financial decisions.
For more information
Who This Is For?
Annuities can benefit more people than most realize.
This solution may be right for you if you:
- ✅ Are in your 30s–60s and want to preserve retirement assets long-term
- ✅ Have 401(k), IRA, or brokerage funds you want to convert or protect
- ✅ Are nearing RMD age and want to reduce tax liability via ROTH conversion
- ✅ Prefer stability and compound growth over market swings
- ✅ Want to leave a tax-efficient legacy for your loved ones
- ✅ Are already retired and want to secure a second income stream
- ✅ Want to protect yourself or your spouse from future uncertainty
Annuities can be a strategic addition to your plan—no matter your age or stage
WHAT IS AN ANNUITY?
An annuity is a contract with an insurance company that allows you to create a stream of income—either starting now or in the future—that you cannot outlive.
Unlike traditional market-based investments, fixed indexed annuities offer growth potential with protection from market loss. And they can be funded in several flexible ways to suit your financial strategy:
- Lump Sum – You can fund an annuity with a one-time payment, often using a rollover from a 401(k), IRA, or proceeds from the sale of an asset.
- Flexible Premium Payments – Many annuities also allow for multiple payments over time—monthly, quarterly, or annually—so you can build toward your goal steadily.
- Custom Contribution Schedule – Some contracts let you adjust contributions based on your income cycle, business seasonality, or other life changes.
Each contract is different. That’s why we take the time to match you with the right product for your stage of life, income goals, and tax strategy.
🤝 How We Help
We are independent brokers—not tied to any single carrier or product.
Our recommendations are fully customized to your goals.
We help you:
- ✅ Compare top-rated annuity providers and plan types
- ✅ Evaluate bonus structures and income riders
- ✅ Design strategies for ROTH conversions and tax-efficient growth
- ✅ Understand fees, benefits, and payout structures
- ✅ Align your annuity with your broader financial plan
We provide clarity so you can make informed decisions with confidence.
Let’s Talk About Your Future
If you're wondering whether an annuity should be part of your financial plan, let’s explore it together—with clarity and care.
- 🛡️ Independent. Strategic. Proven.
Welcome!
Marina Del Rey Insurance Services Incorporated
Serving California & beyond
with care, clarity & integrity since 2014.
Let's simplify Medicare &
retirement planning together.
We support you year-round
—because your peace of mind matters.