Setting the Stage for Retirement Income

In a 2012 survey, 73% of annuity owners said annuity investments are a critical part of their retirement funding strategies, and 63% said market volatility makes them more likely to consider buying an annuity. When saving for retirement, some workers who are concerned about stock market volatility may turn to fixed-income investments, but the current yields on these vehicles may not generate the income they will need.

For this reason, a variable annuity has become a popular option for pre-retirees and risk-averse investors. Using this hybrid insurance/investment product, they can set aside additional funds for retirement, defer taxes on earnings (until withdrawn), and potentially mitigate investment risk.

Learn more at:

Or, contact Steve Lloyd at (801) 223-7502 to set an appointment with one of our financial professionals.

Curtis Willardson, CFP, CLU, Daniel O Palmer, and Stephen Martin CFP, CLU, ChFC are registered representatives offering securities and and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 188 W River Park Drive, Provo, UT 84604.


Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not A Deposit – May Lose Value

Not Insured By Any Federal Government Agency.



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