A Revolutionary Hybrid Annuity
Discover a new approach to retirement income. This hybrid annuity offers pension-like benefits with principal control. It provides high cash-on-cash returns and is an excellent 401k rollover tool.
Are You Prepared?
Without secure income, you face stock market risks. Sequence of Returns Risk can deplete savings. Bonds often lack sufficient income and inflation protection. Next-Generation Annuities offer higher, guaranteed income.
Market Risk
Stock market downturns can threaten retirement savings.
Sequense Risk
Early retirement losses can permanently reduce portfolio value.
Income Gap
Bonds may not provide enough income or keep up with inflation.
Why Income Matters in Retirement
Compare John and Sarah, both starting with $1 million. John relies solely on market withdrawals. Sarah uses a Next-Gen Annuity for guaranteed income, balancing security with growth potential
John’s Scenario
John kept his entire $1,000,000 in the market. He withdrew $50,000 annually. Market downturns depleted his portfolio, leaving him with no income after 20 years.
Sarah’s Scenario
Sarah split her $1,000,000: $500,000 in a Next-Gen Annuity and $500,000 in stocks. Her annuity provided guaranteed income, allowing her investments to recover and grow.
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How Next-Generation Annuities Solve This
You can’t control the market, but you can control risk exposure. Next-Generation Annuities offer guaranteed lifetime income, higher payouts than bonds, and protection from market loss.
Guaranteed Income
Receive income for life, regardless of market performance
Higher Payouts
Potentially double or triple the income of traditional bonds
Principal Protection
Your initial investment is safe from market downturns
Legacy Protection
Unused funds can be passed to your heirs
The Future of Retirement Income
Next-Generation Annuities redefine retirement planning. They provide permanent, inexhaustible income, confirmed by studies from MIT and Wharton. They also protect your heirs, unlike old annuities.
INCOME GAP
Bonds don’t pay enough, and pensions are scarce
MODERN SOLUTION
Next-Gen Annuities fill this gap with stable, reliable income.
Find the Right Fit
Use the KMA Financial Group Annuity Comparison System™ to review options.
Secure Your Future
Strengthen your 401(k), 403(b), 457, TSP, or IRA Rollover
Common Annuity Myths Explained
Many misconceptions surround annuities. Next-Gen Annuities often have zero fees, protect heirs, and offer liquidity. They are for anyone seeking guaranteed lifetime income, not just seniors.
Too Expensive
Next-Gen Annuities can have zero advisory fees. 100% of your money works from day one.
Lose Money if I Die Early?
Modern annuities allow heirs to inherit unused portions. They include beneficiary protections
Just for Old People?
Annuities are for anyone needing guaranteed lifetime income. Pre-retirees use them for growth and future income.
Money Locked Up?
Many allow penalty-free withdrawals (up to 10% annually). Liquidity features ensure access to funds
Your Retirement Journey with KMA Financial Group
KMA Financial Group offers a structured, stress-free process. We focus on your goals, crafting tailored strategies. Our fiduciary approach ensures unmatched client care and personalized guidance for over 20 years.
Discovery Meeting
Understand your unique goals and financial needs.
Plan Creation
Craft a personalized financial strategy for your future.
Implementation
Put your plan into action, often starting early.
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