DCF Income Payments Come From Top Rated Carriers
WHAT THEY’RE SAYING ABOUT ANNUITIES
Author & Life-Coach
“In today’s economic environment, where returns for ‘safe capital’ are minuscule, Fixed Indexed Annuities can be a great alternative to other ‘safer money’ financial instruments.”
“I may take risks in life, but I will never risk my money, I use annuities and I never have to worry about my money.”
“The Road To Wealth”
“If you don’t want to take risk but still want to play the stock market, a good index annuity might be right for you.”
About Nathaniel Pulsifer, Owner of DCF Annuities
Nathaniel M. Pulsifer is a nationally renowned expert in fixed income from discounted structured settlement payments and is also the marketing director behind the DCF companies. A tireless evangelist for simplicity in planning, he levels the playing field using Discounted Cash Flow math to help clients make the right choice among all the retirement income options.
WHO ELSE BENEFITS FROM ANNUITIES?
Are Annuities Taxed Every Year?
Annuities grow tax-deferred. This means that you earn interest on your investment, and earn interest on prior year’s growth without the corrosive force of taxation. Interest accrues on the savings and you are not taxed until it is withdrawn. This status helps to increase the amount of earnings in an annuity account.
What’s the Difference Between Immediate and Deferred Annuities?
An immediate annuity contract is used to create ‘Income Now’ and produces a stream of income payments immediately after the initial purchase.
Deferred annuities are perfect for ‘Income Later’ situations that also offer a also guarantee a payout stream, but starting at a later time.
How Is An Annuity Different Than A Savings Account?
When you invest in a savings or brokerage account, you have the ability to take that money out at any time. However, income earned in that account is subject to taxes every year.
An annuity, on the other hand, is a contract between you and an insurance company that requires it to make payments to you, either right away or in the future. Once you fund your annuity, you can’t just withdraw your money at any time without consequences. However, that money gets to grow on a tax-deferred basis.
What Are The Main Benefits of Annuities?
Annuities offer tax-deferred growth, so even if the value of your annuity increases year after year, you won’t pay taxes on that growth until you actually start taking withdrawals.
In addition, annuities can help protect you from the one thing most retirees fear: outliving their money. Because you can structure an annuity to make payments for the rest of your life, you can rest assured that you’ll keep getting distributions no matter how long that happens to be.
What’s the Difference Between Annuities and DCF Income Payments?
DCF Income Payments are receivables issued by a life insurance company subsidiary, rather than the life insurance company itself. The subsidiary buys an annuity from the life insurance company, which then makes payments directly to the owner. DCF purchases the right to receive those payments subject to state-specific structured settlement laws enacted to protect the payments’ original owner.