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Annuities in Northern Colorado

Plan for a Stable Financial Future

Retirement planning isn’t just about saving — it’s about creating reliable income you can count on. Annuities in Northern Colorado provide a secure way to ensure long-term financial stability for you and your family. With nearly 30 years of experience, Chris Covers Your Assets helps clients across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona choose annuities that fit their goals.

What Annuities Cover

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Fixed Annuities

Provide guaranteed payments over a set period or for life. They’re a safe, predictable way to build a stable income stream.

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Indexed Annuities

Tie returns to a market index, such as the S&P 500, while offering downside protection. A balance between growth and security.

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Immediate Annuities

Begin payments right away, making them a good option for retirees looking to turn savings into income quickly.

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Deferred Annuities

Allow savings to grow tax-deferred until withdrawals begin in retirement, giving you more flexibility for the future.

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Lifetime Income Riders

Optional add-ons that guarantee income for life, even if your annuity’s cash value runs out.

Benefits of Annuities

Annuities are about more than retirement — they’re about security and peace of mind. Whether you want guaranteed income, protection against market volatility, or tax-deferred growth, annuities can be tailored to meet your goals. At Chris Covers Your Assets, we explain each option clearly so you understand exactly how your money works for you.

Frequently Asked Questions

  • Do I need an annuity if I already have a retirement account?

    Annuities complement retirement accounts by guaranteeing income. While 401(k)s and IRAs grow your savings, annuities help ensure you won’t outlive your money.

  • Are annuities safe?

    Yes. Fixed and indexed annuities are backed by the issuing insurance company.

  • When should I buy an annuity?

    It depends on your financial goals. Some people buy annuities at retirement, while others invest earlier to lock in growth and future income. Chris can help you time your purchase.

  • Can I withdraw money early?

    Most annuities have surrender periods where early withdrawals may result in penalties. However, many allow partial withdrawals after the first year. It’s important to understand the terms before buying.

For nearly three decades, Chris has helped families in Northern Colorado and across the region make smart financial choices. His education-first approach means you’ll never buy blindly — you’ll know exactly how your annuity works and why it fits your plan.

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