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    Financial Services | Annuities

    At Kobrin Financial & Insurance Services, we specialize in annuities as a key component in retirement planning by introducing to our clients a new program referred to as a Lifetime Income Annuity.

    What is an income annuity?

    In simple form, you are committing your funds for a period of time in exchange for certain returns and upfront bonuses*. These funds can be what we call "qualified" referring to  pre-tax or retirement dollars or "non-qualified" referring to post-tax dollars. With each passing year, which we refer to as the "deferral period," the company will automatically increase an Income Benefit Account  by a contractual stated percent, providing that you purchase the income rider offered by the insurance company. 

    * Bonus annuities may carry higher fees and charges than annuities without the bonus feature, and may not pay the bonus in case of early withdrawal.

    Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company, and are not offered through Global Financial Private Capital.

    The Base Product: Fixed Index Annuity

    1. Accumulation Period
    2. When your annuity contract is issued, an income benefit account value is established and serves as the basis for determining the amount of income available for future withdrawals or income you are eligible to receive at an attained age. This is referred to as the Income Benefit Account Value.*

      The Income Benefit Account Value increases at an annual rate as stated by the annuity contract for a specific period of time.**

      **Annuity contracts rely on the financial strength and claims-paying ability of the issuing insurance company and are not offered by Global Financial Private Capital. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.

    3. Distribution Period
    4. Client elects to begin lifetime income stream. The payout percentage is determined by the annuitant’s age. The owner maintains control on when to exercise the withdrawals and how often these withdrawals are taken (i.e. monthly, quarterly, etc.) These payments are treated as ordinary income and can be withdrawn with or without taxes held.

    5. Spousal Continuation
    6. All income riders that are presented through Kobrin Financial have spousal continuation, allowing the spouse to continue income payments for a specific period of time or for his/her lifetime, depending on the income rider chosen.

    See below for annuity information about specific companies:

    You can contact us at 707.566.6775 or email us to set up an appointment to personally discuss the annuity options best suited to your particular financial planning needs.

    Note: (Clicking on a company's logo will open their website in a new browser window. You may need to deactivate your browser's pop-up blocker for this feature to function correctly.)

    Click here to read American Equity's brochure

    Click here to read Allianz's brochure*
    Click here to read the MasterDex X Annuity insert*

    *These products may not be distributed without the other.
    By contacting us you may be offered insurance and/or investment products for sale.

    Complimentary Report!
    "Roadmap to Retirement Income”
    This guide will help you construct your retirement income strategy.
  • This guide is for informational purposes only. It is not intended to provide tax or legal advice. By requesting this guide you may be provided with information regarding the purchase of insurance products in the future.
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    Global Financial Private Capital has no affiliation with the website represented. Global Financial Private Capital is not responsible for their views and opinions, and makes no representations or warranties about the accuracy, reliability, completeness or timeliness of the content and does not recommend or endorse any specific information herein.

    Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Adviser. Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company, and are not offered through Global Financial Private Capital. This website is intended to provide general financial information and is not written or intended as tax or legal advice. Individuals should seek advice from their own tax or legal counsel for their particular situation. Donald Kobrin, Sharon Evans and Global Financial Private Capital, LLC do not provide tax or legal advice. 

    The 10 Things to Know About Planning Your Retirement Income and Changing Story of Retirement reports are provided for informational purposes only. They are not intended to provide tax or legal advice. By requesting these reports you may be provided with information regarding the purchase of insurance and investment products in the future.

    Financial Planner, Financial Advisor, Money Management, Financial Consulting, John Hancock, Annuities, Retirement Planning, Alternative Long Term Care, Santa Rosa, Sonoma County CA

    Kobrin Financial Services | Financial Planner, Financial Advisor, Money Management, Portfolio Management, Financial Consulting, Retirement Planning, John Hancock, Annuities, Investment Management, Financial Analysis, Alternative Long Term Care, | 190 Wikiup Drive, Santa Rosa CA 95403 | (707) 566-6775 or Toll Free (888) 883-4415