We partner with top A+ carriers, including:
Current Rates As High As
Updated Weekly: July 8th, 2024
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James Ustby started in business in 2018 at Ameriprise Financial in Minneapolis after earning a Financial Management degree from the University of St. Thomas in St. Paul, MN. Then he moved out to NC to be with his Fiancée Catherine who works at UNC Children's Hospital in Chapel Hill. James has the Accredited Portfolio Management AdvisorSM ( APMA®) designation awarded by the College for Financial Planning.
Fixed annuities are insurance products that resemble investments, with the goal of protecting your principal. They're a long term product that earn interest based on the index of your choice over the course of several years.
Our A+ rated annuity products require a $20,000 minimum initial investment and many have no upfront or recurring fees. After applying, new policies can go into effect in as little as 3 days, and you can continue to watch your investments grow through your online portal.
When you decide to retire is more important than ever. Owners of fixed annuities are not subject to investment losses due to the guarantees made by Insurance Companies and clients enjoy safety of principle with a guaranteed rate of return to help them prepare for retirement.
STEP 1
Fill out our online form to receive a personalized illustration.
STEP 2
We research the best fit for your situation, and share it with you.
STEP 3
Once the carrier receives funds, your policy is issued.
At LPL Financial, it all starts with you – because there's no such thing as a "one-size-fits-all" investment. By asking five simple questions designed by our team to capture your investment philosophy, we can assess how the right fixed annuity can provide confidence.
Starting with your investment profile and combining through our proprietary annuity database, we use machine learning to identify the top policies out of thousands of combinations. We'll call out important strategic fits for each policy, to arm you with knowledge to help you choose the perfect annuity. We handle complexity brokers and agencies can’t.
See something you like? You can review return illustrations and carrier details. Every policy is ready-to-apply. Need more help? Opt to speak with one of our experts for more help.
At LPL Financial, it all starts with you – because there's no such thing as a "one-size-fits-all" investment. By asking five simple questions designed by our team to capture your investment philosophy, we can assess how the right annuity can provide security.
With a fixed annuity your principle is always protected 100%, and your portfolio stays balanced automatically.
Eliminate fear of timing risk – that's needing capital in a down market. It's ready when you are.
Apply, make a distribution, and check your funds, all online.
Annuities are written and backed by insurance carriers. At LPL Financial, we only partner with A+ rated carriers (AM Best or Fitch) vetted for the best no- or low-fee product offerings.
Your principal is 100% protected from market loss by your carrier. Further, LPL Financial never handles your funds--your premium payment flows directly from your account to an A+ rated carrier.
LPL Financial is a tech-enabled insurance brokerage dedicated to fixed annuities. We are non-captive and show a variety of carriers with an emphasis on finding a suitable fit and returns. We provide expert guidance and make the process simple and convenient. We are located in Rochester, Minnesota and Durham, North Carolina.
It's free to work with LPL Financial. Depending on the annuity you choose, the carrier may assess no- or a low-fee to manage your fixed annuity strategy. We are compensated via a brokerage fee paid by insurance carriers. Our compensation never comes out of your returns.
Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.