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WaterStates Financial  represents the very spirit of America in helping our clients save time, effort and money by helping clients build, protect, and preserve their assets so they have financial peace of mind and security throughout their retirement years.

WaterStates Financial is a leading online provider of fixed-rate, equity-indexed, and immediate income annuities.

Our company focuses exclusively on guaranteed lifetime income annuities.

Disclaimer: The information on this site is provided for discussion purposes only, and should not be misconstrued as investment advice. Under no circumstances does this information represent a recommendation to buy or sell securities.

After a lifetime accumulating pension savings, you reach the point when those savings must provide a regular income for your retirement.

Qualified Plans iStock_000006429465Small[1]We know Americans are shouldering more responsibility for generating their own income once they leave the workforce, and many are uncertain about how to address this very important aspect of retirement planning.

More importantly, today’s workers have less extensive corporate pensions than their predecessors. Companies spent the past three decades scaling back formerly generous defined-benefit pension plans, which guaranteed workers a certain level of income come retirement.

Outside the public sector, many workers don’t have any workplace pensions at all, and those who do have defined-contribution plans, which are savings vehicles and not true pensions. They offer no guarantees.

Making your money last throughout retirement has never been more challenging.  People are living longer and fewer retirees have traditional pensions.  In recent years, the volatility of the stock and bond markets have been high and interest rates paid by banks have been low.

In this era of “self-directed” (401(k), 403(b) and IRA) retirement (no pensions, you make all the investment choices) postponing making a real plan poses a particular risk to future security.

Consider your pension fund, built up over a working lifetime. On retirement, you could simply draw a regular amount (monthly, quarterly or yearly) directly from the fund.

The problem with that is, if your withdrawals outpace capital growth then over time your fund will be eroded, and eventually exhausted.

This, in a nutshell, is why annuities exist. An annuity is a kind of insurance policy against the two key risks of retirement: living longer than the average person, and not generating sufficient investment returns to sustain your regular income.

Solutions iStock_000004488414Small[1]WaterStates Financial understands employees need the option of secure retirement income from their workplace savings plan. We are pleased to be a part of the solution.

Offering “Age-based, asset allocation programs … designed to help participants convert their savings over time into a stream of guaranteed income that lasts throughout retirement.”

By using a proportion of your pension fund to buy an annuity which meets some or all of your basic living costs, you can then make regular or ad hoc withdrawals from the remaining pension fund over time to fund additional ‘extras’. This strikes a balance between security and flexibility.

An annuity (or a series of annuities) is easy to arrange, does not need ongoing advice or management, and avoids ongoing costs.

Do you want to be making complex decisions about funding your living costs when you are in your 70s, 80s or 90s, or would you prefer the ease of a regular and secure income?

Although at first glance there may be a range of attractive alternatives, none of them offers the simplicity and security of a guaranteed annuity for what is likely to be a very long retirement.

As an independent financial adviser we can help you to determine the approach which is right for you, so that you can enjoy a worry-free retirement.

Brody's Golf SetLife is like 18 holes of golf.  On the Front 9 you accumulate wealth and on the Back 9 you take it out…..and, while not everyone will live to 90, we are living longer in retirement than our prior generations.  As a result preparing for the Back 9 needs to be a priority in our life.

A secure financial future is about more than just reaching a destination.  Preparing for it should be like taking a voyage and having positive experiences along the way.

The overall goal for retirement is to develop reliable sources of income that cover your living expenses for a good life, no matter how long you live and no matter what happens in the economy.

Annuities can be useful in financing retirement.  Your retirement income plan is probably the most important investment decision you’ll make in your life. Thanks to advances in healthcare, retirees are living longer than ever – sometimes stretching their retirement out 20 years or more.

Living longer, healthier lives is certainly an exciting proposition, but ensuring that your retirement savings will last 20 to 30 years, and possibly longer, is the challenge.  In essence, annuities are products that target addressing the biggest financial concern most of us face: Outliving our money.

Our mission is to assist our clients in reaching their financial goals by providing quality financial services and creative, intelligent solutions to their needs.  Financial planning is an important step that everyone should take, whether they are young or old, male or female. Taking the time to sit down and think about your money and how you will live within your means today and into the future can help you to a more comfortable future.

Contact Us by PhoneWaterStates Financial is an independent educational, and retirement marketing group specializing in annuities and retirement income.   All material presented herein is believed to be reliable but we cannot attest to its accuracy. Opinions expressed in these reports may change without prior notice.

We make finding the best such annuity/insurance the easiest job in personal finance…It pays to shop for the best value and a strong insurance company.

You can buy the annuity/insurance directly through our company and we will answer your questions and handle your order by phone, email, at our/your office, or if you prefer, your home.


360 Phyllis St.  Big Lake, MN  55309


**Hybrid Annuity Policies are designed to provide long-term care benefits during your lifetime.

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