Broker Check

Financial Services*

Annuities and Mutual Funds

At Insurance Planning Consultants, we offer a wide variety of annuity and mutual fund options to our clientele. We offer Fixed Annuity options that offer you a guaranteed interest rate for a certain period of time. You can choose to tie these plans to a market index in order to participate in potential gains, while simultaneously maintaining your minimum guaranteed interest rate. In addition, we could develop a plan that utilized Variable Annuities where the deferred growth potential is tied directly to the performance of specific market investments. This option can offer the potential for greater growth, but is subject to a higher level of risk as well. These annuity options can be utilized to provide an income stream at retirement that will last as long as you and/or your spouse live. In addition, they can simply provide an effective way to defer taxes on the growth over time until withdrawal. 

Here is a brief listing of some of the annuity and mutual fund options that we provide:

  • Fixed Annuity
  • Variable Annuity**
  • Single Purchase Annuity
  • Ongoing Contribution Plans
  • Immediate Payout Annuity (Single Pay)
  • No Load and low load Mutual Funds

*Guardian, its subsidiaries, agents or employees do not give tax or legal advice



Variable annuities and their underlying variable investment options are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses carefully before investing. This and other information are contained in the prospectus or summary prospectus, if available, which may be obtained from your investment professional. Please read it before you invest or send money.  

Variable annuities are long term investment vehicles designed to help investors save for retirement and involve certain contract limitations, fees, expenses and risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost. As with many investments, there are fees, expenses and risks associated with these contracts. All guarantees including the death benefit payments are dependent upon the claims paying ability of the issuing company and do not apply to the investment performance of the underlying funds in the variable annuity. Assets in the underlying funds are subject to market risks and may fluctuate in value.