💰 Annuities

Secure Lifetime Income. Reduce Risk. Optimize Retirement.

At The C & R Group, LLC, we help clients turn their savings into predictable, long-term income—without outliving their money. Annuities are a powerful tool when used strategically: they create guaranteed retirement income, defer taxes, and protect against market volatility.

As a financial strategist and retired U.S. Army Finance Officer, Dr. Jose Gustavo Cardenas brings leadership, structure, and trust to every retirement income plan. We help you understand how annuities fit into your bigger picture—and how to structure them for maximum benefit.

🔍 Types of Annuities We Offer

• Fixed Annuities
  Provide stable, guaranteed returns for conservative investors seeking reliable income over a set period.
• Fixed Indexed Annuities (FIA)
  Combine the safety of a fixed annuity with the potential for growth based on a market index—without market losses.
• Immediate Annuities
  Convert a lump sum into immediate income—often used to guarantee retirement cash flow or support a long-term care strategy.
• Deferred Annuities
  Grow your money tax-deferred and start income later—ideal for long-term planning and supplementing retirement accounts.

🧭 Strategic Benefits of Annuities

• Guaranteed Income for Life
  Protect against outliving your assets with annuities that pay for as long as you live.
• Market Risk Protection
  Many annuities offer zero-loss floors, meaning your principal is never lost to a downturn.
• Tax-Deferred Growth
  Earnings inside your annuity grow tax-deferred, allowing for faster accumulation.
• Legacy Planning
  Some annuities include enhanced death benefits or beneficiary income options.
• Long-Term Care Integration
  Specialized riders allow annuities to be used as a funding source for healthcare costs without reducing retirement income.

💡 Why Our Approach Is Different

• Annuities Aligned With Tax Strategy
  We don’t just sell a product—we ensure your annuity aligns with your tax plan, Social Security timing, RMD strategy, and overall wealth plan.
• Cash Flow Planning Integration
  Every annuity is designed to plug into your cash flow model—ensuring you know where every dollar is coming from.
• Transparency-First Consultation
  You’ll get full disclosure on fees, riders, payout options, and growth strategies—with no sales pressure.
• Side-by-Side Carrier Comparison
  We shop multiple top-rated companies to find the annuity that best fits your goals, risk tolerance, and retirement vision.

🎯 Who We Serve

• Retirees seeking guaranteed income
• Professionals with large 401(k) or IRA balances
• Business owners seeking a pension-like strategy
• Individuals looking to protect against market volatility
• Families needing a long-term care hedge

📘 Included Resources

All annuity clients receive:

• Access to our Annuity Planning & Income Optimization Workbook (to be created)
• A copy of Dr. Cardenas’ book:
  Retirement Planning: Secure Your Future with Confidence
• Optional bonus: Retirement Income Comparison Report (custom-built)

📌 These tools help you understand annuity options, compare payout scenarios, and integrate your annuity into a full retirement plan.

📞 Let’s turn your savings into lifetime income.
Discover how annuities can protect your future, reduce risk, and help you retire with confidence.

👉 Book Your Annuity Strategy Consultation Today