Are Annuities Right for You? What to Know Before You Commit

When it comes to retirement income planning, there’s no one-size-fits-all solution — but annuities are often part of the conversation.

At Precise Financial Solutions, we believe in education first — helping you understand how financial tools work before making any commitments.

What is an Annuity?

An annuity is a contract with an insurance company designed to provide a steady stream of income during retirement. In exchange for your investment, the insurance company agrees to make payments to you in the future — often for life.

Benefits of Annuities:

→ Guaranteed Income Stream

→ Protection from Market Downturns

→ Potential for Tax-Deferred Growth

→ Options for Legacy Planning

But Annuities Aren’t for Everyone…

While annuities offer security and peace of mind, they also come with things you need to consider:

• Fees & Surrender Charges

• Limited Liquidity

• Long-Term Commitment

  
  

Is an Annuity Right for You?

Annuities may be a good fit if you:

✔ Want predictable retirement income

✔ Are concerned about outliving your savings

✔ Are looking for protection from market risk

They may not be the best option if you:

✖ Need flexible access to your funds

✖ Are seeking high-growth, short-term investments

Retirement planning isn’t just about saving — it’s about creating a strategy for income you can’t outlive. Annuities might play a role in your plan — but only if it fits your goals, lifestyle, and risk tolerance.

We’re here to help you explore your options and design a personalized retirement income strategy that gives you confidence and clarity for the future.

Precise Financial Solutions and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Precise Financial Solutions. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.