Frederick Orentlich – Founder and President of Senior Financial Services Inc

At Senior Financial Services we don’t take shortcuts. Hard work and research are hallmarks of our practice. For help with your retirement planning needs, contact Fred Orentlich of Senior Financial Services at 800-679-2858   Why HNW Individuals Consider Annuities       Guaranteed Lifetime Income Even with large portfolios, HNW retirees face longevity risk — living into their 90s or 100s. Immediate or deferred lifetime annuities can act like a “private pension,” providing predictable cash flow , so investment assets can remain invested for growth.      Tax Deferral Contributions to non-qualified annuities grow tax-deferred . For HNW individuals in high-income brackets, this defers taxes on investment gains , potentially reducing annual tax bills.      Estate Planning & Wealth Transfer Some annuities offer death benefit riders , guaranteeing heirs a portion of the...

At Senior Financial Services we don’t take shortcuts. Hard work and research are hallmarks of our practice. For help with your retirement planning needs, contact Fred Orentlich of Senior Financial Services at 800-679-2858 Maximize Your Retirement with SeniorFinancial Services Inc   Definitions Term Meaning FIA (Fixed Indexed Annuity) A deferred annuity that grows based on the performance of a market index (like the S&P 500), with a guaranteed minimum interest rate. SPIA (Single Premium Immediate Annuity) An annuity purchased with a single lump sum that starts paying a guaranteed income immediately , typically for life or a fixed period.      Key Features Comparison Feature FIA SPIA Payment Start Deferred (months/years later) Immediate (usually within 1 month) Incom...