Annuities:

An annuity is an investment designed to help you save for retirement.  It is a contract between you and a life insurance company where, in exchange for your purchase payments, the insurer agrees to pay out a lump sum or a steady retirement income at a later date.  If properly structured, the income can be for life.

An annuity can help you manage investment risks in many ways, including the ability to invest in equities, fixed income and other securities through a broad range of professionally managed investment options on a tax deferred basis.  An annuity also provides payment options to meet your income needs and, prior to annuitization, a guaranteed death benefit for your beneficiaries. Annuities are long-term investment vehicles designed and generally suitable for retirement purposes.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength. Most annuity contracts contain exclusions, limitations, holding periods, termination provisions, withdrawal charges and terms for keeping them in force.  Be sure to review these provisions carefully before investing.

Disclaimer – Securities offered through Emerson Equity LLC
Member FINRA and SIPC.
CLK Investment Advisors is independent of Emerson Equity LLC

This is not a solicitation to sell or an offer to buy securities. Securities are sold only in states where Emerson Equity is registered or otherwise exempt from registration. All investment involves risk. Speak with your tax professional regarding your current tax situation and proposed investments prior to investing. Past performance is not indicative of future results.