Immediate Annuities
Convert a lump sum into a guaranteed income stream that typically begins within 30 days, helping replace a paycheck with predictable monthly retirement income.
Turn a qualified lump sum into dependable income that can begin quickly and continue for life. This page explains how immediate annuities work, who they fit best, and how Brokerage Consulting helps retirees compare options for predictable monthly cash flow without ongoing market management.
Explore income-focused annuity guidance designed to turn retirement assets into dependable, structured cash flow.
Convert a lump sum into a guaranteed income stream that typically begins within 30 days, helping replace a paycheck with predictable monthly retirement income.
Use conservative fixed annuity options for principal protection and guaranteed interest when safety and predictability matter in your broader retirement income strategy.
Consider indexed annuity solutions that offer principal protection with growth tied to market indexes, often paired with guaranteed income riders for retirement planning.
Plan ahead with deferred annuities that build tax-deferred value now and activate income later, supporting a staged transition into retirement.
Review variable annuity options for clients comfortable with market risk who want tax-deferred growth and potential future income features.
Coordinate annuity decisions with broader retirement and financial planning so income, taxes, risk tolerance, and long-term goals work together.
An immediate annuity can help transform a rollover, inheritance, pension buyout, or retirement distribution into a steady income stream you can count on. Brokerage Consulting helps clients evaluate payout options, timing, and contract features so their lump sum supports day-to-day retirement needs with less uncertainty and no ongoing investment management burden.
See how retirees use annuity strategies to create more predictable income.
Clients rely on experienced guidance when making permanent retirement income decisions.
Immediate annuity recommendations are backed by retirement, investment, and insurance planning expertise.
Works with top financial and insurance companies to compare suitable annuity solutions.
Strategies are tailored to income needs, tax efficiency goals, and long-term retirement priorities.
Licensed in multiple states to support clients seeking retirement income guidance nationwide.
Experienced guidance for important retirement income decisions.
Principal Advisor
Ken Orenstein is the Principal Advisor at Brokerage Consulting, bringing deep expertise in federal retirement planning, investment strategies, financial planning, Medicare, employee benefits, and life insurance. As a published author in his field, Ken has built a reputation for delivering wise counsel and personalized solutions to federal employees, businesses, individuals, and seniors across the United States. He works with top financial and insurance companies to ensure clients receive comprehensive, low-cost, and tax-efficient plans tailored to their unique needs. Ken is licensed in multiple states and is committed to building lasting client relationships grounded in trust, clear communication, and service that consistently exceeds expectations. His goal is to empower every client to make better-informed financial decisions and achieve long-term security.
Yes. Certain annuities, including immediate annuities, can be structured to provide income for life. In exchange for a lump-sum premium, the insurance company agrees to make scheduled payments based on the contract terms. Options may include single-life or joint-life payouts, which can help cover essential retirement expenses with predictable monthly income.
Speak with an advisor about annuities, payouts, and retirement income planning.
Brokerage Consulting supports clients seeking retirement income and annuity guidance across a broad service footprint.
Flemington, NJ
Headquarters
Nationwide Service
Coverage
24/7 Access
Availability
Ask whether annuity guidance is available where you live.
Recognized thought leadership in retirement planning.
Authorized to serve clients across multiple states.
Works with top financial and insurance companies.
Share your retirement income goals and available lump-sum assets, and an advisor will help you review suitable annuity options and next steps.
For immediate assistance, feel free to give us a direct call at (888) 315-3608. You can also send us a quick email at korenstein@brookstoneadvisor.com.
For immediate assistance, feel free to give us a direct call at (888) 315-3608. You can also send us a quick email at korenstein@brookstoneadvisor.com.