Creating Steady Income for a Confident Retirement
Annuities & Income Strategies
When it comes to retirement, peace of mind often comes from knowing you’ll have dependable income for life. At Thieman Investments, we help clients across San Angelo and West Texas understand and evaluate annuity options as part of their broader financial plan. Our goal is to simplify the process — explaining how annuities can complement your investment portfolio, protect against longevity risk, and provide guaranteed income when markets fluctuate.
Building Reliable Income That Lasts
What We Cover in Annuity Planning
Income-Focused Annuities
We help clients create predictable income streams designed to last through retirement, ensuring stability no matter what the market does.
Deferred & Immediate Annuities
We explain the differences between these annuity types and determine which fits your income timing, lifestyle, and goals.
Fixed & Indexed Annuities
We evaluate fixed annuities for guaranteed returns and indexed annuities for potential growth tied to market performance.
Death Benefit & Legacy Options
Many annuities can include enhanced death benefits or legacy features — we help you understand how they align with your estate plans.
Annuity Reviews & Conversions
If you already own annuities, we assess existing contracts to confirm they still meet your current income and planning needs.
Why Work With Us
Helping You Build a Plan that Works Long Term
Thieman Investments has guided West Texas retirees for over 30 years with personalized, unbiased annuity advice. As independent advisors, we aren’t limited to one carrier or product — we compare options from multiple providers to find what’s best for you. We focus on education and clarity, helping you understand how annuities fit into your overall retirement and investment plan. Our approach helps to establish that your income strategy is sustainable, transparent, and built for the long term.
Are annuities right for everyone?
Not always. Annuities can provide guaranteed income, but they aren’t ideal for every situation. We help you decide if they align with your financial goals and liquidity needs.
What’s the difference between fixed and indexed annuities?
Fixed annuities offer guaranteed interest rates, while indexed annuities tie growth to market performance, offering higher potential with more variability.
Can annuities protect against outliving my money?
Yes. Many annuities provide lifetime income options designed to last as long as you do, helping manage longevity risk.
Do annuities have fees or restrictions?
Most annuities include contract terms, fees, or surrender periods. We review these details carefully to ensure full transparency before you make a decision.
