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Turn Your Savings Into Guaranteed Lifetime Income

Your retirement shouldn’t depend on market swings or unpredictable interest rates — it should be built on certainty. At PWR Retirement Group, we help you transform your hard-earned savings into guaranteed lifetime income through tailored annuity solutions designed for lasting financial stability.

Whether your money is in a TSP, 401(k), or IRA, our team specializes in creating personalized income strategies that protect your principal, minimize taxes, and ensure you never outlive your savings. With the right annuity plan, you can enjoy the peace of mind of knowing your retirement income is secure — no matter what the markets do.

Why Federal Employees and Retirees Choose Annuities

  • Guaranteed Income for Life – Enjoy steady monthly payments that never stop.
  • Principal Protection – Keep your savings safe from market downturns.
  • Tax-Deferred Growth – Grow your wealth efficiently before retirement.
  • Customized Rollovers – Seamlessly transfer funds from your TSP or 401(k) into an income-generating annuity.

Let’s create a plan that replaces uncertainty with stability — and helps your retirement work as hard as you did.

What Is an Annuity and How Does It Work?

An annuity is more than just an investment — it’s a retirement income contract designed to provide guaranteed payments for life. In simple terms, you contribute money (from your TSP, 401(k), IRA, or savings), and in return, the annuity provider guarantees to pay you a steady income stream — monthly, quarterly, or annually — for a set period or for as long as you live.

At PWR Retirement Group, we help you choose the right annuity type based on your goals, age, and income needs. Whether you’re looking for guaranteed growth, immediate income, or protection against market losses, annuities offer flexibility and security that traditional investments can’t match.

Types of Annuities You Can Choose From

1. Fixed Annuities

Provide a guaranteed interest rate and predictable income payments, making them ideal for conservative investors who value stability and security.

2. Fixed Indexed Annuities

Combine market-linked growth with downside protection. You earn interest based on the performance of a market index (like the S&P 500) — without risking your principal when markets decline.

3. Immediate Annuities

Begin paying income within 12 months of purchase, making them ideal for retirees who need income now.

4. Deferred Annuities

Let your money grow tax-deferred until you’re ready to begin withdrawals, offering powerful compounding potential for long-term planners.

How Annuities Work

You Invest

Transfer or roll over funds from your existing TSP, 401(k), IRA, or savings.

Your Money Grows

Depending on your annuity type, your funds either earn a fixed rate or grow with market performance (with no downside risk).

You Receive Income

Choose how and when to start receiving your guaranteed payments — for a specific number of years or for life.

Why Choose an Annuity for Retirement?

When you stop working, your regular paycheck stops too — but your expenses don’t. That’s why one of the biggest fears among retirees today isn’t inflation or taxes… it’s running out of money.

An annuity provides a simple, powerful solution: guaranteed income that lasts as long as you do.
It transforms a portion of your retirement savings into predictable monthly payments — helping you enjoy the freedom you’ve earned without worrying about market crashes or economic uncertainty.

At PWR Retirement Group, we help retirees and federal employees replace uncertainty with stability through customized annuity strategies designed for lifelong peace of mind.

The Benefits of Choosing an Annuity

1. Lifetime Guaranteed Income

Never outlive your money. Once your annuity begins, it continues paying as long as you live — no matter how long that may be.

2. Protection from Market Volatility

Unlike traditional investments, annuities safeguard your principal. Even if markets decline, your income remains secure.

3. Tax-Deferred Growth

Your earnings grow tax-deferred until you withdraw them, allowing your money to compound faster over time.

4. Predictable Financial Planning

Annuities offer stable, scheduled payments that make budgeting simple and stress-free throughout retirement.

5. Optional Death Benefits

Protect your loved ones by choosing annuity options that continue payments to a spouse or beneficiary.

Who Can
Benefit the Most

Annuities are ideal for

  • Federal employees transitioning from the TSP who want predictable post-retirement income.
  • Retirees seeking safety from stock market volatility.
  • Pre-retirees looking to lock in guaranteed rates before retirement.
  • Individuals aiming to create tax-efficient income streams.

How Annuities Work With TSP, 401(k), or IRA Rollovers

If you’ve spent years building your retirement savings in a Thrift Savings Plan (TSP), 401(k), or IRA, the next step is deciding how to turn those savings into steady income. That’s where annuities come in.

Rolling over your qualified retirement funds into an annuity allows you to preserve your account’s tax-deferred status, continue growing your wealth, and convert your savings into guaranteed lifetime income — all without triggering immediate taxes.

At PWR Retirement Group, we guide you through every step of this process, ensuring a seamless transition that keeps your money protected and working efficiently for your future.

Why a Rollover Makes Sense

Tax Advantages

Rollovers from qualified accounts like TSPs or 401(k)s into annuities are typically tax-free when done correctly, maintaining your tax-deferred growth.

Consistent, Protected Income

Once rolled over, your funds generate guaranteed income — whether through fixed interest rates or indexed growth tied to market performance.

No Market Losses

Unlike direct investments, annuities protect your principal. Even during downturns, your retirement income remains stable.

Customizable Options

You can choose when and how to receive your income — immediately, at a future date, or for the rest of your life.

Estate Planning Flexibility

Select beneficiary options that ensure your loved ones continue to receive payments or remaining account value.

Want to Discuss?

Call us today and share your investment ideas.

Talk to a PWR Advisor

Frequently Asked Questions

Check out the common queries related to Thrift Savings Plan distributions. Ask these FAQs to simplify the TSP distribution concept –

An annuity is a financial contract that converts your savings into a guaranteed stream of income for life or a fixed period. It provides protection against outliving your savings and ensures consistent cash flow during retirement — regardless of market fluctuations.

Yes. When completed as a direct rollover, transferring funds from your TSP, 401(k), or IRA into an annuity is generally tax-free. This allows your retirement assets to continue growing on a tax-deferred basis while maintaining your account’s qualified status.

Absolutely. Fixed and Fixed Indexed Annuities protect your principal from market downturns. Even if the stock market declines, your annuity’s value and guaranteed income remain secure — helping you avoid the volatility that can erode traditional investment portfolios.

Our team begins by analyzing your age, risk tolerance, income needs, and long-term goals. Based on this, we design a customized annuity plan — whether fixed, indexed, immediate, or deferred — to ensure your retirement income aligns perfectly with your lifestyle and financial objectives.

Annuities offer tax-deferred growth, meaning you won’t pay taxes on earnings until you begin receiving payments. This allows your funds to compound faster, potentially growing your income base and helping you manage taxes strategically in retirement.

Yes, but access rules depend on your annuity type. Some annuities allow partial withdrawals or include liquidity features for emergencies. At PWR Retirement Group, we guide you in selecting annuity options that offer both income security and flexible access when needed.

Many annuities include death benefit options that continue payments to your spouse or beneficiaries. You can structure your plan so your loved ones receive either ongoing income or the remaining account value — ensuring your legacy is preserved.

We specialize in comprehensive retirement income planning, not just product sales. As a trusted retirement firm, PWR Retirement Group integrates annuities with tax planning, rollovers, trusts, and Power Banking™ strategies — providing a complete roadmap for financial security and long-term peace of mind.