Our Services
At Sherwood Financial, we don’t just grow your money — we fortify it. We take your hard-earned cash and transform it into a rock-solid, tax-efficient lifetime income stream designed to weather economic storms and market meltdowns alike.
Instead of gambling your future on volatile investments, we help you sidestep market mayhem with smart strategies that prioritize stability, growth, and peace of mind.
Whether you're five years out or already enjoying retirement, we’ll make sure your income is guaranteed, tax-savvy, and built to last— so you can focus less on finances and more on living life on your terms.
What Makes Us Different
Crafting retirement solutions - - We offer secure annuities without market jitters or hidden fees, ensuring sustainable growth with a touch of wit. Safe Haven Annuity transforms savings into a reliable lifetime paycheck.
Fostering secure growth - - We prioritize robust, clear solutions to nurture a secure retirement. Our annuities enhance financial stability, transforming your savings into a consistent, reliable income stream.
Crafting a secure financial journey - - We combine practical advice product expertise to simplify retirement planning. Our approach turns savings into a consistent, reliable income, grounding financial security in reality.
Fostering a secure retirement - - We simplify complex financial terms, turning your savings into a dependable lifetime income. With us, protection and enjoyment go hand in hand, ensuring a peaceful future.
Protect & Grow Your Retirement Assets
We specialize in utilizing Fixed Indexed Annuities (FIAs) and Multi-Year Guaranteed Annuities (MYGAs) to shield your retirement savings from market volatility while maintaining opportunities for growth. This strategic approach provides protection for your principal investment, even during economic downturns.
By implementing these protective financial vehicles, your lifetime of savings remains secure and positioned for tax-advantaged growth, establishing a reliable income stream that continues throughout your retirement years.
You'll no longer need to watch market reports with anxiety, knowing your financial future isn't at the mercy of unpredictable market fluctuations that could potentially diminish your retirement funds when you need them most.
Frequently Asked Questions
Q:
What exactly is an annuity, anyway?
An annuity is a financial product designed to convert your savings into a steady stream of income—kind of like creating your own personal pension. You invest a lump sum or make periodic contributions, and in return, you receive regular payouts that can last for a fixed term or even for the rest of your life.
It's a popular choice for retirees who want to eliminate the worry of outliving their savings while enjoying a predictable, hassle-free income.
Q:
How do lifetime income annuities work?
Lifetime income annuities work by turning your savings into a reliable paycheck that lasts as long as you live, ensuring you never face the fear of running out of money in retirement. You choose the payout option that best fits your lifestyle, and the product guarantees a consistent income regardless of market ups and downs.
It’s essentially like having a never-ending retirement paycheck that lets you relax and enjoy your golden years without financial stress.
Lifetime Income Planning
We create personalized annuity strategies that transform your retirement savings into dependable, guaranteed income that lasts as long as you do. Our custom-tailored approach ensures your financial needs are met with precision and care.
Whether you require immediate income to support your current lifestyle or are planning ahead for future needs, our specialized solutions provide the peace of mind that comes with knowing you'll never outlive your money. We carefully analyze your unique situation to determine the optimal combination of annuity products—including Fixed Indexed Annuities and Multi-Year Guaranteed Annuities (MYGAs)—to maximize your benefits.
Think of it as engineering your own personal pension plan—one that delivers consistent, predictable payments regardless of market conditions or how long your retirement lasts. With optional features like inflation protection and legacy benefits for your loved ones, we ensure your plan addresses the core aspects of your retirement security.
Let us help you create the financial foundation for the retirement you've always envisioned, free from the worry of ever running out of money.
Frequently Asked Questions
Q:
Can I roll over my 401(k) or IRA into an annuity?
Absolutely—you can roll over your existing 401(k) or IRA into an annuity, which can be a smart strategy for securing a steady retirement income. This move allows you to safeguard your hard-earned savings from market volatility while enjoying tax-deferred growth benefits.
By making the rollover, you essentially transform your retirement funds into a guaranteed income stream, simplifying your financial planning for the future.
Q:
What kind of tax benefits do annuities offer?
Annuities offer the significant advantage of tax-deferred growth, which means your money can compound faster because you don’t pay taxes on the gains until you withdraw them. This deferral can be particularly beneficial if you’re in a lower tax bracket during retirement than you were during your working years.
In short, annuities help you maximize your savings by reducing the immediate tax bite, allowing more of your money to work for you over time.
Safe, Tax-Advantaged Growth Strategies
We use high-performing A rated annuities to grow your wealth without exposing it to market risks. Our solutions allow your money to compound tax-deferred, meaning it grows faster since you’re not losing chunks to taxes each year.
You get the best of both worlds—growth without risk and tax benefits that maximize your retirement savings.
Frequently Asked Questions
Q:
Is my money really safe with an annuity?
Yes, one of the standout benefits of annuities is the protection they offer against market fluctuations—your principal is typically shielded from downturns, so you don’t have to worry about market crashes wiping out your savings. The insurance company guarantees your income payments, meaning you get a steady paycheck no matter what the economy does.
With a reliable provider and sound planning, annuities provide a secure and predictable foundation for your retirement.
Q:
What annuity products does Safe Haven Annuity offer?
At Sherwood Financial, we offer a variety of annuity products tailored to your retirement needs—from lifetime income plans that guarantee a steady paycheck for life to flexible payout options that grow your money tax-deferred. Our products are designed to protect your savings, shield you from market risks, and provide a predictable income stream so you can enjoy a stress-free retirement.
We customize our offerings to match your unique goals, ensuring your financial future is as secure and comfortable as possible.
Get in touch with us today...
Planning for a Secure Retirement? We're Here to Help!
We specialize in Fixed Indexed Annuities and Multi-Year Guaranteed Annuities (MYGAs) that protect your principal, provide lifetime income options, and offer tax-deferred growth potential. Our solutions can also include valuable long-term care benefits to further safeguard your retirement.
Whether you're concerned about market volatility, seeking guaranteed income streams, or wanting to maximize your retirement savings with protection features, our experts are ready to provide personalized guidance.
Contact us today for a free consultation and take the first step toward a worry-free retirement that addresses your specific needs and goals.
352-598-9416
Palmyra, Virginia 22963
Monday - Friday, 8:00 am - 5:00 pm OR by appointment
Markets go up and down, but your retirement shouldn’t.
Lock in financial security with a Safe Stable Annuity—steady growth, lifetime income, zero worries.
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