Annuities

Annuities are contracts with an insurance company that can help protect you against the risk of outliving your assets. Annuities provide future income in return for your contributions, and are offered with options based on investment style and payout options. Those options include Fixed Annuities, Variable Annuities, Indexed Annuities and Single Premium Annuities.

Let’s talk Investment Strategy.

Where do you see yourself in the future? Do your financial plans align with those goals? We understand that your needs, timeline and budget are as unique as you are, and we’ve assembled a team of professionals who care as much about your future as you do. Let’s start crafting your investment strategy today.

Meet the Financial Professionals of Heritage Investments, service members of  Heritage Federal Credit Union. Together, you’ll create a plan that will make those financial goals a reality.

Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heritage Federal Credit Union and Heritage Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heritage Financial, and may also be employees of Heritage Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heritage Federal Credit Union or Heritage Financial. Securities and insurance offered through LPL or its affiliates are:

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.