{"id":33,"date":"2026-10-12T14:00:00","date_gmt":"2026-10-12T14:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/elitexfinancial-com\/2026\/10\/12\/u-s-annuities-could-lift-income-23-building-legacies-that-last\/"},"modified":"2026-10-12T14:00:00","modified_gmt":"2026-10-12T14:00:00","slug":"u-s-annuities-could-lift-income-23-building-legacies-that-last","status":"publish","type":"post","link":"https:\/\/www.elitexfinancial.com\/blog\/2026\/10\/12\/u-s-annuities-could-lift-income-23-building-legacies-that-last\/","title":{"rendered":"U.S. Annuities Could Lift Income 23% | Building Legacies that last."},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/elis-rosado\/retirement-strategy-boost-remotion-videos-336f\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>At Elitex Financial Solutions, we\u2019re always looking for ways to help our clients maximize their retirement income without sacrificing peace of mind. A recent study caught our eye: by allocating around 30% of retirement savings to a single premium immediate annuity and combining it with standard withdrawals from the rest, retirees could see their income boosted by approximately 23%. For example, someone with $1 million saved could receive $49,300 per year using this blended approach, compared to $40,000 with standard withdrawals alone. Notably, a near-7% annuity payout matched that $40,000 using just $563,000 of savings.<\/p>\n<p>These annuities involve making a lump-sum purchase near retirement, then receiving guaranteed income for life. The actual payout depends on several factors\u2014market conditions, age, sex, and contract specifics. Despite the potential to provide more predictable income, annuities remain underutilized: only about 10% of older Americans own one, though over half of those with more than $100,000 in savings say they value lifetime guaranteed income.<\/p>\n<p>As with any financial tool, there are tradeoffs: limited liquidity, higher fees, and possible limits on death benefits. These products are offered by many major financial institutions and can sometimes be used within IRA rollovers. At Elitex, we\u2019re committed to helping you understand these options so you can make informed decisions tailored to your goals. Our focus is always on strategies that protect, grow, and preserve your wealth for the long term.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>At Elitex Financial Solutions, we\u2019re always looking for ways to help our clients maximize their retirement income without sacrificing peace of mind. A recent study caught our eye: by allocating around 30% of retirement savings to a single premium immediate annuity and combining it with standard withdrawals from the rest, retirees could see their income [&hellip;]<\/p>\n","protected":false},"author":120,"featured_media":34,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-33","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts\/33","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/users\/120"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":0,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/posts\/33\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/media\/34"}],"wp:attachment":[{"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elitexfinancial.com\/blog\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}