Fixed annuities in New Braunfels, TX — guaranteed rates, protected principal.
Fixed annuities give you a guaranteed interest rate for a set period, principal protection, and tax-deferred growth. I shop rates across every top-rated carrier — because in the annuity world, the rate difference between the best and second-best is real money.
- 8+ years advising local families
- Independent — access to all major carriers
- Zero cost. Zero pressure. Ever.
You'll recognize yourself in at least one of these.
Your CD renewed at 2% and you know rates are better elsewhere
Multi-year fixed annuities often pay meaningfully more than CDs, with the same simplicity and full principal protection from the issuing carrier.
You're 5 years from retirement and want to derisk
A 5-year fixed annuity locks in a guaranteed rate through your retirement date, then converts to whatever your plan calls for — withdrawals, laddering, or lifetime income.
You want tax-deferred growth outside of your IRA
Non-qualified fixed annuities give you tax-deferred growth on non-retirement savings — a rare feature outside of annuities and cash-value life insurance.
You have $100k+ sitting in a savings account earning 4%
We can often do better. A quick comparison across current MYGA rates from top carriers usually finds a stronger option.
How fixed annuities work — plainly.
You give an insurance company a lump sum (or series of deposits). The company guarantees an interest rate for a defined term. Your principal and interest are guaranteed by the carrier's financial strength.
MYGA vs. traditional
Multi-year guaranteed annuities (MYGAs) lock in a rate for the full term — usually the strongest choice in a normal rate environment. Traditional fixed annuities may guarantee a rate for the first year with renewal rates thereafter.
The surrender period
You commit to leaving most of the money in for the term. Most contracts allow penalty-free withdrawals of 10% per year. Larger withdrawals trigger surrender charges that decline over time.
Income conversion
At the end of the term (or earlier), you can convert the accumulated value into a guaranteed lifetime income stream — turning a savings vehicle into a personal pension. This is one of the most powerful features of annuities, and one of the most underused.
Get real answers about fixed annuities in New Braunfels.
One phone call. No sales script. Bring your medications, doctors, and questions — I'll bring the plan comparisons.
Outcomes, not brochures.
- Guaranteed interest rates for the full term.
- Principal protection — you can't lose money to market volatility.
- Tax-deferred growth on non-qualified funds.
- Independent comparison across every top-rated carrier — rates change weekly.
- Options to convert to lifetime income at term end.
- Simple, transparent product — no market timing, no ongoing decisions.
Four steps. Zero pressure.
Discover
We start with a no-cost conversation about your health, budget, doctors, and prescriptions.
Compare
I shop the top carriers side-by-side and translate the fine print into plain English.
Enroll
When you're ready, we complete the application together — usually in a single sitting.
Support
Questions in year two, three, or five? Call me. I stay your advisor after the paperwork is signed.
Built for New Braunfels and the Texas Hill Country.
Retirees and pre-retirees across New Braunfels, Comal County, and the Texas Hill Country increasingly use fixed annuities as a CD alternative. The rate math currently favors annuities significantly for terms of 3+ years — but that math changes as market conditions shift.
I've placed fixed annuities for clients in Gruene, Canyon Lake, Seguin, San Marcos, Bulverde, and Spring Branch. Every recommendation starts with current, real rates from top-rated carriers — not brochures.
Related coverage
Answers before you ask
01What is a fixed annuity?
A fixed annuity is a contract with an insurance company that guarantees a fixed interest rate for a set period — typically 3, 5, 7, or 10 years. Your principal is protected and your return is guaranteed by the issuing carrier.
02How is a fixed annuity different from a CD?
Both offer fixed returns for a set term. Annuities are tax-deferred (you don't pay tax on interest until withdrawal), often pay higher rates than CDs, and are backed by insurance company financial strength rather than FDIC insurance. Different regulatory framework, similar simplicity.
03What rates are available for fixed annuities in TX?
Rates change constantly. Multi-year guaranteed annuities (MYGAs) in the current market often pay meaningfully more than CDs. I check current rates from every top-rated carrier before we discuss.
04Can I access my money before the term ends?
Most fixed annuities allow penalty-free withdrawals of a portion (often 10%) annually. Full withdrawals during the surrender period trigger charges. Some also include a market value adjustment. We review the specifics carefully.
05What happens at the end of the term?
You have options: withdraw the money (potentially with tax implications), renew at then-current rates, transfer via 1035 exchange to another annuity, or convert to a lifetime income stream. We plan the exit as part of the entry.
06Are fixed annuities safe?
They're backed by the issuing insurance company's financial strength — not FDIC. State guaranty associations provide backup protection up to state-specific limits. Choosing a well-rated carrier is the key safety factor.
07Are annuity earnings taxed?
Growth is tax-deferred. Withdrawals of gain are taxed as ordinary income. If purchased with pre-tax IRA money, the entire withdrawal is taxable. Roth annuities exist but are less common.
08Should I put all my savings into a fixed annuity?
Rarely. A fixed annuity is one component of a broader retirement plan — a place for money you want protected and growing predictably, but not the whole plan.
Get current fixed annuity rates from every top carrier.
Rates change weekly. A quick call gets you today's real numbers — no obligation.