• Only 6 states require high school students to take a class about money.

  • The average American household only has about $130,000 saved for retirement!

  • 62% of people age 44-75 actually fear running out of money in retirement more than they fear death itself.

  • 41 % of pre-retirees are expecting a decline in their standard of living at retirement.

Only 14% of Americans are secure in their retirement.

How do you feel?


Book your online retirement meeting to start the discussion.


Let us help you with the answer.  At Merritt Financial Group, our financial professionals specialize in retirement planning and will take you through the process online, step by step. We will help educate you with information that will empower you to make the best choices for your future.



An annuity allows an owner to contribute money (premiums) to an insurance company that may earn interest and expands on a tax-deferred basis with the agreement that the insurance company will then render a series of payments back to the customer at standard intervals.


People usually purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can alter your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can receive withdrawals of varying amounts when you need the income.

Types of Annuities

There are two different types of annuities:


Provides income payments that normally begin within a year after the premium is paid.


Yields income payments that begin later, often after many years. Deferred annuities are fashioned for long-term savings purposes.

  • Accessible to purchase using a single lump sum, or with flexible premiums over time.

  • When it comes time to take funds from your deferred annuity, you will have many options available to meet your needs.

Our Annuity Options


With our revolutionary process of Retirement Plainning online setting up the perfect investment vehicle has never been so easy. Features:

  • Set by the company, deposits accumulate at fixed rate of interest
  • Earned guaranteed minimum intrest rate.1


An investment cannot be made directly into an index. Indexed annuities do not directly partake in any stock or equity investments. Almost all indexed annuities allow owners to partake in only a stated percentage of an increase in an index, and also force a “cap rate” that represents the maximum annual account value percentage increase permitted to owners. With our revolutionary process of Retirement Plainning online setting up the perfect investment vehicle has never been so easy. Features:

  • During the long-term, an Indexed Annuity can provide the potential for higher value than a Fixed Annuity but can have years, when the index is decreasing, when no interest will be applied.
  • Downside safety through minimum guarantees to give peace of mind that your value will not decrease due to a decline in the Index.
  • Changes in a major index such as the S&P 500.2 is what the interest is based on.


With our revolutionary process of Retirement Plainning online setting up the perfect investment vehicle has never been so easy. Features:

  • Option of various subaccounts as well as fixed income account options
  • Can result in a loss of principal because there are no guarantees
  • Up-swing potential of the securities market
  • Option to move money between various types of investments without current tax liability

  1. Guarantees are based on the claims-paying ability of the issuing company.

  2. Standard & Poor’s®, “S&P®, S&P 500®, Standard & Poor’s 500, and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Life Insurance Company. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the product.

Guarantees are dependent upon the claims-paying ability of the insurer and do not protect the value of the variable product portfolios, which may fluctuate. Variable contract holders are subject to investment risks, including the possible loss of principal invested.


Variable contracts are sold by prospectus. For more complete information, please request a prospectus from your registered representative. Please read it and consider carefully a Fund's objectives, risks, charges, and expenses before you invest or send money. The prospectus contains this and other information about the investment company.


Flatirons Financial Group offers various types of annuities, each designed to help meet specific personal and business needs and objectives. If you would like more information, please contact us.