Annuities & Retirement Income Solutions in Orange County, NY
Turn Savings Into Steady, Understandable Income.
Annuities and other income solutions can play a valuable role in retirement—but only when they’re understood and used in the right way. At Cammareri Wealth Management Group, we help clients in Orange County, NY and beyond evaluate how annuities, pensions, investments, and other tools can work together to create a reliable income plan that fits their goals, not a product brochure.
Annuities & Income Planning, Made Clear
See Where Guaranteed Income Fits—and Where It Doesn’t
For many people, the word “annuity” brings confusion or mixed feelings. There are many types, each with its own rules, costs, and benefits. Our role is to clearly explain how different income options work—annuities, pensions, systematic withdrawals from investments—so you can see where guaranteed income might support your plan and where other strategies may be a better fit.
Grounded in our five core commitments—communication, consolidation, customized strategies, comprehensive planning, and long-term commitment—we review what you already own, evaluate new options if appropriate, and connect each income decision back to your overall retirement and estate plan.
Four Ways We Help You Evaluate Annuities & Income Solutions
Income planning doesn’t have to be all-or-nothing. We focus on four key questions to see if and how annuities or other tools make sense for you:
Clarify What “Enough Income” Looks Like
We begin with your real-life numbers: monthly expenses, essential vs. discretionary spending, and how much peace of mind you want from guaranteed income sources. Together, we separate “must-haves” from “nice-to-haves” so we can see how much income needs to be steady and predictable versus flexible and growth-oriented.his open communication sets the tone for everything that follows.
Consolidate & Organize Your Income Sources
Next, we gather information on Social Security, pensions, existing annuities, retirement accounts, and other investments. We organize these into a clear income picture so you can see what’s guaranteed, what’s market-based, and where there may be gaps. This consolidation often reveals opportunities to simplify and strengthen your overall income plan.
Coordinate Income Solutions With Taxes and Legacy Goals
Income decisions can affect your tax bill and what you ultimately leave to family or charity. We coordinate with your tax professional and estate planning attorney to understand how annuities, pensions, and withdrawals from other accounts interact over time, then help you align those pieces with your long-term goals. Our commitment is ongoing review, not a one-time transaction.
Customize the Role of Annuities in Your Plan
With your goals and full financial picture in view, we evaluate whether an annuity or other guaranteed income strategy belongs in your mix—and if so, what type and how much. We walk through options in plain language, focusing on how each one affects flexibility, liquidity, risk, and legacy, so any annuity used is doing a specific job in your plan, not just added on.
Key Areas We Help You Think Through
Understanding Different Types of Annuities
Fixed, indexed, variable, immediate, deferred—it’s a lot of terminology. We explain the basics of each type in straightforward terms: how they work, how they can be used, and where they may or may not fit. The goal is for you to feel informed enough to say, “This makes sense for me,” or “This doesn’t,” with confidence.
Using Annuities to Support Essential Expenses
For some clients, using an annuity to help cover core monthly expenses—housing, food, utilities, healthcare—can provide a sense of security that makes it easier to invest other assets for growth. We help you evaluate whether adding or adjusting guaranteed income makes sense for your lifestyle and risk comfort.
Evaluating Existing Annuity Contracts
Many people already own annuities they don’t fully understand. We review your current contracts—income riders, fees, surrender schedules, guarantees, and beneficiary options—and translate them into plain language. From there, we help you decide whether to keep, adjust, or, when appropriate, consider alternatives.
Coordinating Annuities With Investment and Withdrawal Strategies
Annuities are one piece of the retirement income puzzle. We connect them with your investment accounts, Roth assets, and taxable savings to design a distribution strategy that balances stability, growth potential, taxes, and flexibility. The aim is a coordinated plan, not separate decisions made in isolation.
Considering Spousal and Survivor Needs
If you’re married or partnered, retirement income planning needs to work for both of you—not just one life. We help you think through joint vs. single-life options, survivor benefits, and how annuity or income choices affect a spouse’s security if something happens to you first.
