• 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.

  • Fitchburg Immediate Annuities

    Retirement planning has changed dramatically throughout the years and will continue to do so. It is tough to rely on Social Security when its future is in doubt. Because of this, it’s important that people prepare today for their retirement future. For many, immediate annuities are a product that may help them accomplish this goal.

    What Is An Immediate Annuity?

    Before we can explain the specifics of this product, we need to talk about annuities in general. An annuity is a financial product that functions as an agreement between a person and a financial institution. The person agrees to make a lump sum payment to the financial institution, who agrees to make regular payments back to the person throughout the life of the annuity. There are two basic kinds of annuities, deferred and immediate, that determine how these payouts occur. Deferred annuity payments commence at later date and time while immediate annuities can start payouts almost immediately.

    Immediate annuities are often chosen by retirees who want steady income payments and need them to start soon. The growth of the money placed within an immediate annuity is tax-deferred, which means you aren’t required to pay taxes on this increase until the money is withdrawn.

    There are many companies out there that sell immediate annuities, providing you with many different options. By working with Retirement Income Strategies, you will gain access to many of these companies and have options available to you for Fitchburg immediate annuities. Through this structure, we’re better equipped to find an annuity that best fits your needs.

    Contact Us

    Find out more about immediate annuities by talking to one of our experienced financial professionals in the Fitchburg area. After a short conversation on your current finances and retirement goals, we should be able to determine if an immediate annuity is right for you. Give us a call today and schedule your appointment.

    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.

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    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.

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    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.