Annuities600The closer you get to retirement, the more important it becomes to protect your retirement nest egg. Fixed annuities provide that critical safety net for your principal while still providing liquidity. Fixed-Indexed annuities provide the same principal guarantees of a traditional fixed annuity while providing an opportunity for greater growth.

When a potential client thinks about their investable assets, are they looking for a combination of safety and growth? Would they prefer some flexibility and/or liquidity? Perhaps they want a simple guaranteed rate of return, or maybe they need a guaranteed lifetime income stream. Regardless of their goals our advisors offer multiple carrier and product solutions to fit their client’s needs.

  • Single Premium Immediate “Income” Annuities
  • Single and Flexible Premium Deferred Annuities
  • Fixed Rate Guarantees
  • Fixed-Indexed Annuities
  • Multi-Year Guarantees
  • Bonus Products
  • Joint and Survivor Annuities

Contact us today to learn more about Fixed and Fixed-Indexed Annuities options.

Disclaimer: “Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0% and investment return based on market increases may be capped. The guaranteed account value of a fixed-indexed annuity only applies if the annuity is held until the end of the contract term and that loss of principal is possible if the annuity is surrendered before the end of the contract term. Fixed-indexed annuities are not FDIC-insured, unlike index-linked CDs. Guarantees are subject to the claims paying ability of the issuer. A fixed annuity is only as good as the financial strength of the company issuing the policy.”


Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Investment advisory services may also be offered through HBW Advisory Services LLC. HBW Insurance & Financial Services, Inc. dba HBW Partners and HBW Advisory Services LLC are separate entities which do not offer legal or tax advice.

This site is published for residents of the United States only. Financial professionals of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every financial professional listed. For additional information please contact the financial professional(s) listed on the site, visit the Cetera Advisor Networks LLC site at

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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