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   What Are Annuities? An annuity is a financial contract with an insurance company where you: Invest a lump sum or series of payments (premiums). In return, the insurer promises periodic payments in the future , often for life or a set period. Main types: Type Description Typical Use Immediate Starts payments right away (usually for retirees) Provide guaranteed income stream Deferred Payments start later (accumulates interest/taxes deferred) Growth phase before retirement Fixed Guaranteed interest rate and fixed payouts Safety + predictable income Variable Payments...