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    Home » Services » Annuities

    Financial Services | Annuities

    At Blackston Financial Advisory Group, we specialize in annuities as a key component in retirement planning by introducing to our clients a new program referred to as a Lifetime Income Annuity.


    What is an income annuity?

    In simple form, you are committing your funds for a period of time in exchange for certain returns and upfront bonuses*. These funds can be what we call "qualified" referring to  pre-tax or retirement dollars or "non-qualified" referring to post-tax dollars. With each passing year, which we refer to as the "deferral period," the company will automatically increase an Income Benefit Account  by a contractual stated percent, providing that you purchase the income rider offered by the insurance company. 

    * Bonus annuities may carry higher fees and charges than annuities without the bonus feature, and may not pay the bonus in case of early withdrawal.


    The Base Product: Fixed Index Annuity

    1. Accumulation Period
    2. When your annuity contract is issued, an income benefit account value is established and serves as the basis for determining the amount of income available for future withdrawals or income you are eligible to receive at an attained age. This is referred to as the Income Benefit Account Value.*

      The Income Benefit Account Value increases at an annual rate as stated by the annuity contract and is guaranteed** for a specific period of time.

      **Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.

    3. Distribution Period
    4. Client elects to begin lifetime income stream. The payout percentage is determined by the annuitant’s age. The owner maintains control on when to exercise the withdrawals and how often these withdrawals are taken (i.e. monthly, quarterly, etc.) These payments are treated as ordinary income and can be withdrawn with or without taxes held.

    5. Spousal Continuation
    6. All income riders that are presented through Blackston Financial Group have spousal continuation, allowing the spouse to continue income payments for a specific period of time or for his/her lifetime, depending on the income rider chosen.

    See below for annuity information about specific companies:

    You can contact us at 888-319-5656 or email us to set up an appointment to personally discuss the annuity options best suited to your particular financial planning needs.

    Note: (Clicking on a company's logo will open their website in a new browser window. You may need to deactivate your browser's pop-up blocker for this feature to function correctly.)

    Click here to read American Equity's brochure
    Click here to read Allianz's brochure


    By contacting us you may be offered insurance and/or investment products for sale.


    Listen to David Blackston & Blackston Financial Group's show, "Simplifying Retirement", on My790 AM WBLE! You won't want to miss these informative segments. Tune in for updates on a wide range of topics related to all retirement issues, Friday at 9 a.m. You can also listen online at www.my790AM.com. This is another opportunity to stay informed and updated about your financial concerns!
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  • This guide is for informational purposes only. It is not intended to provide tax or legal advice. By requesting this guide you may be provided with information regarding the purchase of insurance products in the future.
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    *Our firm provides links to third party articles in an effort to assist users in locating information on topics that might be of interest to them. Information presented has not been verified and is not guaranteed, nor can we attest to the accuracy of information provided. Linking to an article or web site does not constitute a representation of the services offered by our firm nor does it constitute an endorsement by Firm of the sponsors of the site or the products presented on the site. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

    By submitting your contact information, you consent to be contacted in the future regarding retirement income strategies that utilize insurance and investment products.