Investments Annuities and Individual Retirement Accounts (IRAs) could help give you the retirement security you desire. The professionals at Velocity Advisors have the knowledge and resources to help guide you every step of the way.AnnuitiesIRAsAnnuitiesAnnuities can be a big part of retirement strategy. An annuity is a fixed sum of money paid out, giving steady source of steady income as long as you live. Annuities are also designed to help you grow and protect your retirement assets.Types of AnnuitiesFixed AnnuitiesDeferred AnnuitiesVariable AnnuitiesIndexed AnnuitiesIncome AnnuitiesSingle Premium Immediate AnnuityFeatures of AnnuitiesReceive tax-deferred growth and compounding within the annuity contractGuaranteed rates of return on investmentGuaranteed lifetime payments if you annuitizeAlthough it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period. Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated.There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact your representative to obtain a prospectus, which should be read carefully before investing or sending money. IRAsIRAs are investment products and strategies to help you secure your retirement. The main advantage of an IRA is that you defer paying taxes on the earnings and growth of your savings until you actually withdraw the money.Types of IRAsTraditional IRARoth IRASpousal IRARollover IRAStretch IRAFeatures of IRAsTax-deferred strategiesFlexibility to invest in a range of financial productsSome IRA’s have contribution limitations and tax consequences for early withdrawals. For complete details, consult your tax advisor or attorney. Distributions from traditional IRA’s and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59 ½, may be subject to an additional 10% IRS tax penalty. Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes. If you are purchasing an annuity to fund any tax-qualified retirement plan (IRA), you should be aware that this tax-deferral feature is available with any investment vehicle and is not unique to an annuity. Carefully consider the features and benefits of the annuity before making the decision to purchase.