Plan for the retirement you want
What do you need to retire with more confidence? Whenever you start to think about the future, there are a lot of questions and unknowns. But you don’t have to face them alone. Guardian can be with you, with people and products that help you achieve the financial well-being you want in retirement.
Annuities to create guaranteed income for retirement
An annuity is a contract with an insurance company that turns your contributions into a steady stream of retirement income. Based on your contract, you’re also able to determine the length of time during which you’ll receive payments (e.g., for your lifetime or a specific number of years).
Financial professionals to give you personal guidance
It’s natural to have questions about how to get where you want to be in retirement. We can put you in touch with a local financial professional who’ll be with you every step of the way.
Guaranteed income, so you can focus on the things that really matter.
Guardian offers a variety of annuities, and each can be tailored to your specific needs: immediate annuities that start distributing income after you provide a single, lump-sum payment; fixed annuities that give you a guaranteed rate of return as you contribute premiums, then guaranteed income payments when you retire; fixed index annuities that provide a minimum guaranteed interest rate combined with potential growth tied to a specific market index; registered index-linked annuities that offer growth potential for your retirement savings, while providing a level of protection during market downturns; and variable annuities that let you take advantage of the highs and lows of the financial market and allow you to earn tax-deferred savings until you’re ready to start receiving income.
Tax advantages
Depending on the type of IRA you choose, your contributions may be tax deductible, helping you save on taxes as you're paying in. Alternatively, with a Roth IRA, you contribute after-tax dollars, but your investment earnings grow tax-free, and qualified withdrawals in retirement are also tax-free.
Control over investments
With an IRA, you have control over how your money is invested, allowing you to choose investments that align with your financial goals and risk tolerance.
Flexibility
Unlike some employer-sponsored retirement plans, such as 401(k)s, IRAs are not tied to a specific employer, so you can continue to contribute to an IRA even if you change jobs.
Additional savings
If you've already maxed out your contributions to an employer-sponsored retirement plan, such as a 401(k), an IRA may be a great way to save even more for retirement.
There are three different types of IRAs: a traditional IRA with tax-deferred contributions and growth, but withdrawals are taxed when you retire; a Roth IRA that provides tax-free growth and withdrawals because it’s funded with after-tax dollars; and a rollover IRA that converts your retirement account with a former employer (or another IRA) into a retirement account that you control, while maintaining any tax advantages.
You don’t have to choose one or the other: annuities and IRAs can work together
For most people, annuities are an additional way to plan for retirement, along with a traditional or Roth IRA, 401(k), or other retirement investments. They can help simplify the task of turning a large nest egg into regular retirement income. And, by providing a lifetime guaranteed income stream, they can help make sure you don’t outlive your money. And you can use IRAs and annuities with other financial products, like whole life insurance, to help fund your retirement and build financial security for your family. A Guardian financial professional can help you explore all these options.
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Life insurance
If people depend on your income for support, what will happen to them if something happens to you? Life insurance can be a vital source of financial support.
Disability insurance
If you’re unable to work due to injury or medical condition, where will you get income to live on? Disability insurance can help support your family when it’s needed most.
Investments
A brokerage account is a simple way to manage your money and help your money grow through investments.
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