Planning for your retirement can be challenging. The future is always unpredictable, but here at Cegel Capital we have techniques and steps we can use to minimize your risks while allowing your nest egg to grow. You don’t have to navigate these uncertain waters alone, give us a call today!

Annuities and IRA

    • Deferred fixed annuities – guaranteed
    • Income Annuities – Guaranteed Income
    • Variable Annuities – Market Exposure
    • Fixed Indexed Annuity – Market Protection
    • Individual Retirement Account – Tax Advantage Saving


    • Whole life insurance – lifetime value
    • Long Term Care Insurance – LTC Expenses

Annuities and IRA

Fixed During the accumulation period of a fixed deferred annuity, your money (less any applicable charges) earns interest at rates set by the insurance company or in a way spelled out in the annuity contract. The company guarantees that it will pay no less than a minimum rate of interest.

An income annuity is an annuity contract that is designed to start paying income as soon as the policy is initiated. Once funded, an income annuity is annuitized immediately, although the underlying income units may be in either fixed or variable investments. As such, income payments may fluctuate over time.

A variable annuity is a tax-deferred retirement vehicle that allows you to choose from a selection of investments, and then pays you a level of income in retirement that is determined by the performance of the investments you choose. Compare that to a fixed annuity, which provides a guaranteed payout.

A Fixed Index Annuity is a tax-favored accumulation product issued by an insurance company. It shares features with fixed deferred interest rate annuities; however, with an index annuity, the annual growth is bench-marked to a stock market index (e.g., Nasdaq, NYSE, S&P500) rather than an interest rate.

An individual retirement account (IRA) is a tax-advantaged investing tool that individuals use to earmark funds for retirement savings. There are several types of IRAs as of 2019: traditional IRAs, Roth IRAs, SIMPLE IRAs, and SEP IRAs.


Whole life insurance

Lifetime Value

A life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date.

Long Term Care Insurance

LTC Expenses

An insurance product that helps pay for the costs associated with long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.