RETIREMENT INCOME · FORT WORTH & ALL OF TEXAS
Fixed Annuities: Guaranteed Income You Can Count On
A guaranteed interest rate with zero market risk. Ideal for 401K rollovers, IRA transfers, or any lump sum you want to grow safely and convert into predictable retirement income.
Licensed in 40 States
NPN #21207986
Fixed Annuities: Quick Facts
Starting At
From $25K lump sum
The Market Giveth. The Market Taketh Away.
You spent decades saving for retirement. Now the question isn't how to grow it — it's how to protect it. The IRS Publication 575 details how annuity income is taxed, and understanding these rules is essential for retirement planning. A single market correction can wipe out years of gains. A prolonged downturn can force you to delay retirement or reduce your lifestyle.
Fixed annuities eliminate that risk entirely. You deposit a lump sum with an A-rated insurance carrier. They guarantee a fixed interest rate for the term of the contract — 3, 5, 7, or 10 years. Your principal is protected. Your growth is guaranteed. No market exposure, no annual fees on most contracts. For those who want market-linked upside with downside protection, an indexed universal life (IUL) policy may be worth exploring alongside a fixed annuity.
When the term ends, you can renew, withdraw, or convert to a guaranteed income stream for life. The NAIC annuity buyer's guide is an excellent resource for understanding your options. Joe Rangel compares rates from multiple carriers to find the best return for your deposit and timeline.
Safe, Predictable Growth: Guaranteed
Guaranteed Interest Rate
Your rate is locked at contract signing and guaranteed for the full term. No surprises.
No Market Risk: Principal Protected
Your deposit is backed by the insurance carrier. Market crashes do not affect your balance.
Tax-Deferred Growth
Your interest compounds without triggering annual taxes. You only pay taxes when you withdraw.
No Annual Fees on Most Contracts
Unlike mutual funds and managed accounts, most fixed annuities charge zero annual management fees.
Predictable Retirement Income
Convert your annuity into a guaranteed income stream (monthly, quarterly, or annually) for life.
Flexible Terms: 3 to 10 Years
Choose a term that fits your retirement timeline. Shorter terms for near-retirees, longer for higher rates.
HOW IT WORKS
Three Steps. That's All It Takes.
Talk to Joe About Your Goals
Share your retirement timeline, deposit amount, and income needs. Takes 15 minutes.
Compare Rates From Multiple Carriers
Joe shops current rates across multiple A-rated carriers to find you the highest guaranteed return.
Fund Your Annuity
Transfer or roll over your funds. Your guaranteed rate is locked from day one.
Helen's Story, Keller, TX
Helen, 63, had $180K in a 401K from her previous employer. After watching it drop 22% in 2022, she wanted out of the market. Joe moved her funds into a 5-year fixed annuity paying 5.15% guaranteed, no fees, no market risk. By 68, her balance will grow to approximately $232K. She plans to convert it into a monthly income stream at that point.
Illustrative scenario based on typical annuity rates. Actual rates depend on carrier, deposit amount, and term selected. Rates are subject to change.
FREE QUOTE — NO OBLIGATION
Get Your Free Annuity Rate Comparison
Takes less than 2 minutes. No spam. No sales pressure.
FIXED ANNUITY QUESTIONS: HONEST ANSWERS
Frequently Asked Questions
Most quotes take less than 5 minutes — and rates only go up from here. No obligation.
Book a 15-Minute Call with Joe
Get personalized guidance from an independent broker. No pressure, no obligation — just honest answers.
GET PROTECTED TODAY
Protect Your Retirement From Market Risk
Compare guaranteed annuity rates from multiple A-rated carriers. No obligation. Speak directly with Joe.
LICENSED IN 40 STATES
Life Insurance Coverage Across America
Fixed Annuities are available through Golden Years Protection in the following states: