• Discover the many opportunities available to help secure your financial future through the use of a comprehensive suite of investment and insurance products.

    At Retirement Income Strategies, we can help you determine a strategy appropriate for your financial situation.

  • Fixed Annuities Throughout Madison

    Have your finances been on your mind a lot lately? Do you have a retirement plan that includes your children’s well-being?

    Navigating your finances isn’t easy. It can also be quite stressful to decide where and when you need to keep your savings. But these are questions should be asked (and answered) at some point. If you are looking for help finding answer to these questions, Retirement Income Strategies can offer help. As financial professionals, we’ll help you secure your financial future.

    Fixed annuities are a option that several of our clients have chosen to plan for their future. Fixed annuities may be a mystery to the general public. If you fit this criteria, we can help. We’ll teach you all about fixed annuities and help you decide if it is a good fit for you.

    What are fixed annuities?

    Like life insurance, annuities function as an agreement between a financial organization and an individual. After paying a premium, the owner of the annuity will be given a lump sum or incremental payments. Fixed annuities get their name from their interest rates that are locked in at the time of purchase. Anyone looking for a low-risk option will appreciate this investment.

    Benefits of fixed annuities

    Included below are a few of the great benefits of fixed annuities:

    • Predictability – With a fixed interest rate, you know what to expect down the road.
    • Tax deferral – Fixed annuities are tax-deferred investments, which means this money will not be taxed until until the investment is withdrawn.
    • Shelter from creditors – Annuity investments cannot be touched by creditors in most situations and are safe from probate proceedings.

    Contact us

    Want to learn more about fixed annuities? Please contact our office in Madison today.

    Kristian Finfrock


    Our founder and top financial professional, Kristian Finfrock, wants you to maintain a retirement savings that is not majorly impacted by today's volatile market. Contact us at 888.275.3935 to learn more.

    » Learn How

    Ed Slott’s IRA Corner

    Ed Slott runs the Elite IRA Advisor Group dedicated to spread the word about smart retirement strategies.

    Members of Ed Slott’s Elite IRA Advisor GroupTM are dedicated to being leaders in the IRA industry and protecting their clients’ families’ futures.

    » Learn More

    Upcoming Events


    Our retirement planning professionals offer a number of events to provide education and assistance with senior life insurance, financial planning, and more. Click below to view our upcoming calendar.

    » Calendar of Events

    At Retirement Income Strategies, helping you meet your financial needs is our FIRST priority

    Contact us at info@ri-strategies.com or call us at 888.275.3935 to schedule a time to discuss your financial situation and the potential role of insurance or investments in your financial strategy.