Better Retirement,
Better You.
Retain utility, use and control of your life. Our firm shops the highest contractual value propositions across the entire market. We work with 65+ carriers.
Trusted By The Top Carriers In The USA:
William Rapp
Founder & President Of Exclusive Annuities
William Rapp
William Rapp is Founder and President of Exclusive Annuities. An experienced entrepreneur from Albany, New York, William launched his first successful business, Reigning Legacy which is a Non Profit organization and Community Outreach that teaches Youth Financial Literacy. Now as a Licensed Annuity Advisor, William's firm specializes in Advanced Market Case Design, helping clients optimize their financial strategies. William's firm is licensed in all 50 States and contracted with 65 annuity carriers nationwide. With a very well structured client portfolio and product arsenal we strive to design each clients case specifically to their needs and find our clients the highest contractual guarantees on the market.
MDRT for Financial Professionals Certified
Hall of Fame Red Jacket Advisor with Family First Life USA
President & Founder of Exclusive Annuities Inc
Our firm has helped over 1,000,000 Families Nationwide.
Brady Pelzer
Executive Vice President Of Exclusive Annuities
Brady Pelzer
Brady Pelzer is the Executive Vice President of Exclusive Annuities. An experienced financial practitioner from Omaha, Nebraska, Brady joined Exclusive Annuities after serving as the Annuity Sales Director for Insurance Agency & Wealth Management Group for the prior two and a half years. During his time with with the firm, Brady worked with thousands of financial representatives, assisting them in providing the most optimal retirement planning solutions for their clients. Through the development of strategic financial designs with an emphasis on sustainability, Brady was tasked with identifying the specific financial instrument(s) best fit for the client’s needs and wants. Brady prides himself on versatility within the financial planning process as there is a constant understanding that no one individual’s structure is identical to the next.
Distribution Planning in Retirement
Asset Utilization For Purposes Beyond Growth
Income Planning
Roth Conversion Implementation
Fiduciary Implementation
Exclusive Annuities is a dedicated team of professional licensed advisors committed to helping protect what matters most: your family and finances. Our goal is to assist you in understanding which type of annuity is best suited for your retirement needs. We shop the highest contractual guarantees in the market on your behalf.
Secure Accumulation: Our annuities provide a safe path to build your wealth.
Principal Protection: Rest easy knowing your investment is shielded from market ups and downs.
Guaranteed Lifetime Income: Enjoy peace of mind with guaranteed income for life through our annuity solutions.
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See What Our Clients Have Said.. Your Pathway to Financial Peace of Mind.
"I was impressed by the level of personalized attention I received from Exclusive Annuities. They took the time to listen to my concerns and provided me with a comprehensive solution that addressed all my needs. I'm grateful for their expertise and support."
Michael Davis
"Exclusive Annuities helped me create a retirement plan that I feel confident in. Their knowledge and professionalism made the process smooth and stress-free. I would recommend them to anyone looking to secure their financial future."
Laura Martinez
"Exclusive Annuities exceeded my expectations in every way. Their team went above and beyond to ensure that I understood my options and felt confident in my decisions. I highly recommend their services to anyone seeking financial security."
Susan Chang
The Ultimate Transfer Of Risk Strategy in Retirement
What is an Annuity?
An annuity is a Transfer of Risk Financial Product that provides regular payments over a specified period, typically used for retirement income or to meet long-term financial goals.
Tax-Deferred Growth: Capitalize on tax advantages by allowing your investment to grow without immediate taxation.
Flexible Payout Options: Choose from various payout options tailored to your specific financial goals and needs.
Estate Planning Benefits: Pass on assets efficiently to beneficiaries with potential advantages for estate planning and legacy goals.
No Contribution Limits: Unlike some retirement accounts, annuities typically have no contribution limits, allowing for significant accumulation over time.
Creditor Protection: In many cases, annuities offer protection from creditors, helping to safeguard your assets.
Roth Conversions: We customize special reports for Roth Conversion and identify key strategies when it comes to executing the conversion.
The Power of Indexing & Protecting Assets
Indexing empowers investors by offering exposure to market movements while eliminating downside risk, providing a balanced strategy for wealth accumulation.
Participate in Upside Gains
Indexing enables your retirement to benefit from market growth, with gains locked in.
Protection from Downside Losses
Your retirement remains shielded from market downturns, as losses are not incurred.
Safety of Principal
With indexing, your principal investment is secure, ensuring stability for your retirement funds.
Latest From Exclusive Annuities
Securing Your Future: 5 Ways Fixed Index Annuities are Essential for Retirement Planning
Securing Your Future: 5 Reasons Fixed Index Annuities are Essential for Retirement Planning
With extensive experience as a licensed fiduciary, I've had the privilege of guiding retirees through their financial journeys, gaining valuable insights into their shared desires and concerns. Time and again, I've witnessed their yearning for a retirement product that provides safety, income, and growth. Many express fears of market downturns reminiscent of 2000 or 2008, uncertainties about covering long-term care expenses, and worries about outliving their retirement savings. In addressing these concerns, one financial solution consistently emerges: the hybrid annuity, also known as a fixed index annuity.
While the term annuity can evoke apprehension, it's essential to understand that not all annuities are created equal. Specifically, the fixed index annuity offers a robust solution for securing your future in retirement, serving as a versatile tool with multiple benefits for your retirement planning.
Here are five reasons why the fixed index annuity stands as essential for securing your future in retirement.
Safety of Principal
The fixed index annuity shields your principal from the market's volatility. Unlike direct stock market investments, where downturns can erode your savings, the hybrid annuity ensures your initial investment remains intact. Even during significant market declines like those seen in 2000 or 2008, hybrid annuity owners didn't lose any principal or previously credited gains. This security is possible because your earnings are tied to external index options, yet your money is never directly invested in the market, eliminating direct market risk.
Income
In today's evolving retirement landscape, where traditional pensions are increasingly scarce, generating a reliable income stream is paramount. Fixed index annuities offer an efficient solution. When Social Security benefits or pensions fall short, these annuities provide an optional guaranteed lifetime income stream. By converting 401(k) or IRA funds into a steady income source, you ensure financial stability throughout retirement.
This guaranteed income stream provides peace of mind, akin to receiving a regular paycheck rather than relying on uncertain investment returns.
Growth Potential
Unlike conventional bonds, fixed index annuities offer the potential for safer growth with attractive upside potential. Your earnings accumulate within the annuity by linking it to various external index options, such as the S&P 500, without directly investing in the stock market. While you're not purchasing stocks, bonds, or mutual funds, you still benefit from a portion of the index gains.
This strategy shields you from market downturns; even if the market falters, you incur no losses because your funds aren't directly exposed to market fluctuations. With diverse indexing options and crediting methods available, you can tailor your strategy to maximize growth potential.
Long-term Care Riders
Some fixed index annuities offer optional long-term care riders, providing added financial protection against future healthcare needs. With these riders, you could potentially double your income payment if you qualify for long-term care benefits while receiving a lifetime income stream from the annuity. This additional financial support helps cover long-term care costs, whether in a facility or at home.
Notably, these riders often feature less stringent medical underwriting than traditional long-term care insurance policies and can cover joint owners or spouses.
Tax-deferred Growth
Fixed index annuities offer 100% tax-deferred growth, allowing your investment to accumulate without immediate tax implications. While your funds remain in the annuity, you aren't taxed on interest earnings. Taxes are only incurred upon withdrawal or cashing out, typically based on your ordinary income tax rate at the time of distribution.
This tax-deferred growth offers a valuable advantage over other retirement vehicles, such as Roth IRAs or 1035 exchanges, where taxes are due immediately. By harnessing tax-deferred growth, you optimize your retirement savings potential.
