One of the Few Guarantees In Life

Looking forward to a long and happy retirement? Consider an income source with guarantees. What is an annuity? Simply, an annuity is a contract with an insurance company that can ensure you have a guaranteed income. To help you reach a retirement you’ll enjoy, we offer variable annuities, fixed annuities, and income annuities. Watch the videos to learn more.

Annuity Types We Offer

Income Annuities

A great retirement is knowing you can enjoy the life you imagined. Annuities can create a fixed stream of income, starting in as little as a month. Or, receive guaranteed income in the future. If you choose, this income could last for life. 

FIXED Annuities

Studies show that most people are happier in retirement when they have a level of steady income1. With fixed annuities, you know exactly how much you’ll earn each year. And, when you’re ready, you’ll receive a payout of set amounts, at intervals you choose. You’ve been saving for retirement. Plan on enjoying it.

variable annuities

When you’re retired, life is very much about income. Growth potential over time can be important, although there are always risks. Variable annuities tie in certain tax advantages, retirement income, and the possibility for growth when the market rises.


Earnings grow federal income tax deferred, so you pay no taxes on these earnings until you withdraw the money.

Contributions are tax deductible, up to 100%.

You’re eligible if you’re under 70½ years old and have earned income from employment.

There are no income limits to contribute.

Up to $5,500 a year If you are 50 or older, you can contribute up to $6,500 a year, with the option to make an additional $1,000 catch-up contribution.

You must begin to make withdrawals starting at age 70½ A 10% early withdrawal penalty may apply for certain withdrawals taken before you are 59½ Withdrawals for certain first-time home purchases and certain college expenses are penalty free.


Roth IRA - For Tax-Free Growth

If your current income falls within government specified limits, and you expect to be in a higher income tax bracket at retirement, consider a Roth IRA. You will contribute to your account now with money that you‘ve already paid taxes on (after-tax contributions). Your earnings will grow federally tax-free, which should allow them to build faster. When it’s time to withdraw that money in retirement, you’ll typically be free from paying any taxes.

Earnings grow federally tax free, so you pay no taxes on these earnings1 when you withdraw the money.

Contributions are not tax deductible.

There are no age limits to contribute.

If you've earned income from employment and are within specified income limits, you can contribute. Visit the IRS' website for specifics on contribution limits.

Up to $5,500 a year – using after-tax dollars If you are 50 or older, you can contribute up to $6,500 a year, with the option to make an additional $1,000 catch-up contribution – using after-tax dollars.

You can typically withdraw your contributions at any time, with no penalty or federal taxes If you withdraw any of the interest that you've earned before you reach age 59½, or before you have had your Roth IRA for five years, you will have to pay taxes.

Keep Contributing to your Future Rollover IRA 

If you’ve changed jobs or retired, and you still have savings left in a prior employer’s savings plan, consider a rollover IRA. Your assets will keep growing tax deferred and you’ll avoid taxes and penalties. More importantly, you can keep contributing to the new account, so your savings can grow.

    Are You Eligible for a Rollover IRA? Wealth Management Solutions

    If you’ve been participating in your former employer’s retirement savings plan, such as a 401(k), 403 (b), 457 or pension plan, and are eligible to take a lump-sum distribution, you can roll your savings directly into a rollover IRA.



    Contact us to learn more about how Alpine can help you. We will respond to all inquiries within 24 hours.