Immediate Annuities
Convert a lump sum into a guaranteed income stream that may begin within a short window, often useful for retirees replacing employment income after a rollover, inheritance, or pension buyout.
Individual annuities can turn retirement savings into predictable income, but the right structure depends on timing, risk tolerance, liquidity needs, tax status, and survivor goals. Brokerage Consulting helps retirees, pre-retirees, federal employees, and lump-sum recipients understand fixed, indexed, immediate, deferred, and variable annuity options before choosing a long-term contract backed by an insurance carrier.
Explore annuity strategies designed to support predictable income, principal protection, tax deferral, and long-term retirement confidence.
Convert a lump sum into a guaranteed income stream that may begin within a short window, often useful for retirees replacing employment income after a rollover, inheritance, or pension buyout.
Build future retirement income through tax-deferred accumulation and optional guaranteed income riders that can be activated later, especially for pre-retirees planning their transition from work to retirement.
Use conservative contracts with guaranteed interest rates, principal protection, and tax-deferred growth, including MYGA options that can serve as CD alternatives for predictable retirement planning.
Link potential growth to market indexes while protecting principal from market losses, with options for lifetime income riders, cap comparisons, participation rates, and surrender schedule review.
Evaluate market-participation annuities with sub-account investment options, living benefit riders, and tax-deferred growth potential for clients with higher risk tolerance and existing income security.
Coordinate Social Security, pensions, retirement accounts, and annuity-based income layers to help address longevity risk, sequence-of-returns risk, and paycheck replacement in retirement.
An individual annuity is not one-size-fits-all. It may provide immediate income, future income, principal protection, tax-deferred growth, or market-linked upside depending on the contract. Brokerage Consulting helps clients compare carriers, contract features, income riders, beneficiary options, and liquidity limitations so annuity decisions are aligned with retirement goals instead of sales pressure or guesswork.
See how clear annuity guidance helps clients evaluate income options before committing retirement assets.
Independent guidance helps you understand annuities before making long-term retirement income decisions.
Works with top financial and insurance companies to compare suitable annuity contract options.
Specializes in guaranteed lifetime income planning for retirees, seniors, and federal employees.
Explains fees, surrender charges, riders, carrier strength, and payout choices in plain language.
Offers no-cost initial consultations by phone, virtual meeting, or in-person appointment.
Experienced guidance for annuity and 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.
An individual annuity is a contract between one person and an insurance company. In exchange for premium payments, the insurer provides tax-deferred growth, future income, immediate income, or lifetime payments depending on the contract type. Common structures include fixed, fixed indexed, variable, deferred, and immediate annuities, each with different risks, guarantees, liquidity rules, and payout features.
Talk with an advisor before making a long-term contract decision.
Specialized guidance for federal retirement decisions.
Advisory services through a registered investment advisor.
Author of federal employee benefits education.
Schedule a no-cost consultation by phone, virtual meeting, or in-person appointment to review your retirement income goals, available lump sum, risk tolerance, and suitable annuity structures.
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.