Fixed or variable, we can build a plan that fits you.

Key Features

  • Create an Income Stream
  • Guaranteed Rates
  • Defer Taxes
    • Create an income stream to supplement social security and other retirement income.
    • Look for longer term guaranteed rates.
    • Defer taxes until you will be in a lower tax bracket.
With variable annuities, any withdrawals may be subject to income taxes and, prior to age 59 1/2, a 10% federal penalty tax may apply. Withdrawals from annuities will affect both the account value and the death benefit. The investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. An annual contingent deferred sales charge (CDSC) may apply.
 
A fixed annuity is a long-term, tax-deferred insurance contract designed for retirement. It allows you to create a fixed stream of income through a process called annuitization and also provides a fixed rate of return based on the terms of the contract. Fixed annuities have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. You should also know that a fixed annuity contains guarantees and protections that are subject to the issuing insurance company's ability to pay for them.

Securities are offered through Raymond James Financial Services, Inc. member FINRA / SIPC. Securities are not insured by bank insurance, are not deposits, obligations or guaranteed by the bank and are not insured by the FDIC or any other government agency and are subject to risks, including the possible loss of principal. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Isabella Investment Services, Isabella Wealth and Isabella Bank are not registered broker/dealers and are independent of Raymond James Financial Services, Inc.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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