Services

Annuities

An annuity is a contract between you and an insurance company in the form of a long-term savings account that is tax-deferred - meaning you pay no taxes on interest earned until withdrawn.  Annuities can be set up as IRAs, Roth IRAs or non-qualified money (in a regular savings account, for example) with full safety to principal guaranteed by the financial strength of each individual company.  These programs are ideal for bank CD rollovers, IRA/401K rollovers, 403b/TSA rollovers and inherited monies.  Watkins Retirement uses only highly-rated insurance companies.  

Every annuity we work with has zero stock market risk.  With most all of our plans, annuities allow up to 10% withdrawal per year penalty free and include a 100% death benefit to beneficiaries.  Nursing home riders are also available on many of our plans.  Guaranteed lifetime income options are also available.   

Life Insurance

We specialize in low cost term life insurance coverage, indexed universal life policies and represent many of the the top carriers in the industry.  Connect with us directly for more detailed information on these policies.