Larry Wells
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Annuities in The Villages, Florida

Reliable Income Options for Retirement

Why Annuities?

Retiring in The Villages is about more than just sunshine and golf carts—it’s about enjoying a vibrant, secure lifestyle. Annuities offer tax-deferred growth and dependable income for life. Whether you’re looking for the stability of fixed annuities or the growth potential of variable options, we help you build a plan that fits your goals. With guaranteed payouts, protection from market volatility, and flexible income strategies, annuities provide the confidence to enjoy retirement on your terms.

Common Retirement Challenges

Retirees in The Villages are facing growing financial pressures as rising inflation, increasing healthcare costs, and higher taxes threaten to erode their hard-earned retirement savings.

Market risks can reduce income over time

Fixed rates may lag behind inflation
Unexpected costs require careful planning

Misconceptions about Annuities in The Villages

Annuities are often misunderstood in The Villages. Many believe they lock up funds or offer low returns, but features like surrender periods allow access, and some types—like fixed indexed annuities—offer market-linked growth. Tax confusion is common too; not all payments are fully taxed as ordinary income. With proper planning, annuities can be flexible, strategic tools for reliable retirement income and tax efficiency.
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Personalized Annuity Solutions

We create custom plans for your unique retirement by tailoring each annuity strategy to fit your specific financial goals, risk tolerance, and income needs—ensuring a solution that supports your long-term peace of mind.
Desired Payment Schedules
We align your annuity with when you plan to retire and how much income you’ll need to maintain your lifestyle.
Risk Tolerance
Your comfort with market fluctuations guides whether we recommend fixed, indexed, or variable annuities.
Desired Payment Schedules
We structure annuity payouts around your financial goals, whether you need income now or in retirement.

Explore Your Options

From stability to growth potential, we offer a range of annuities designed to fit your unique situation:
Fixed Annuities
Provides reliable, guaranteed interest growth over the long term.
Fixed Indexed Annuities
Offer growth tied to market indexes with downside protection.
Variable Annuities
Allow investment in sub-accounts with potential for higher returns and higher risk.
Immediate & Deferred Payouts
Choose to receive income now or in the future based on your needs.

How It Works

3 Simple Steps to Securing a Reliable and Personalized Retirement Income Stream
We guide you through a clear, three-step process designed to simplify retirement planning and help you build lasting financial confidence.
Consultation & Assessment
We assess your goals, income sources, and risk tolerance thoroughly.
Plan Comparison & Design
Explore annuity types and match features to your retirement timeline.
Implementation & Support
We manage all paperwork and offer ongoing support with regular updates.

Why Work With Us?

Florida retirement expertise that matters—our team specializes in helping retirees in The Villages plan with confidence.
Trusted by the community and backed by decades of experience, we deliver strategies tailored to your unique needs.
Take Full Advantage of Florida Tax Benefits
Maximize your retirement income by taking full advantage of Florida’s favorable tax environment.
Time Social Security and Medicare Properly
We guide you in choosing the right timing for Social Security and Medicare to maximize benefits and avoid penalties.
Align Annuity Strategies with Estate Planning
Ensure your annuity fits within your broader legacy goals and supports your loved ones after retirement.

Align Annuity Strategies with Estate Planning

Many residents in The Villages have discovered the value of local annuity contracts. These financial tools provide steady income and protect against market volatility. By working with knowledgeable advisors who understand the community’s needs, retirees enjoy greater peace of mind and customized plans that align with their goals and timelines.
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Additional Insights

What Makes Annuities a Powerful and Reliable Tool for Long-Term Retirement Security?
Annuities offer more than just income—they provide peace of mind, legacy planning options, and protection against some of retirement’s biggest financial risks.
Income You Can’t Outlive
Guarantees a steady stream of income for life, no matter how long you live.
Death Benefit Options for Heirs
Some annuities offer legacy features to pass remaining value to beneficiaries.
Balanced Investment Options
Choose from conservative to growth-oriented strategies based on your comfort with risk.
Lifetime Income Protection
Helps ensure your retirement funds last, even if you live longer than expected.

Youth Perspectives on
Annuities in The Villages

In The Villages, more younger residents are exploring annuities as part of a smart retirement plan. With guaranteed income and protection from market risks, annuities offer long-term security. Early planning helps match options to future income needs effectively.
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Frequently Asked Questions

What are the tax implications of annuities?
Annuities grow tax-deferred. Withdrawals are taxed as ordinary income.
Common fees include surrender charges, admin fees, and risk management costs.
Annuities offer fixed payments; living annuities allow flexible withdrawals and investment control.
Most people are eligible based on age and investment minimums. We help assess your options.

Are we a good fit?

Find out if we’re a good match for your financial planning and investment management needs. We offer a free, no-obligation consultation to help us get to know each other. We can meet by phone, in-person, or online.
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501 County Rd 466 Suite 201 Lady Lake, FL 32159 (Sable Palms)
  • wellslarry232@gmail.com
  • 352-561-2050
  • 501 County Rd 466 Suite 201 Lady Lake, FL 32159 (Sable Palms)
  • Office Hours: 9:00 AM- 5:00 PM EST

For over 40 years, Larry Wells has devoted his life to helping others as a Baptist minister and a trusted insurance professional.

Larry was ordained into the ministry in 1974 and faithfully served Southern Baptist churches for more than two decades. His calling to serve eventually led him into the insurance industry, where he’s continued his mission: to care for people and provide peace of mind during life’s most important decisions.

He served with Ameri-Life Corporation for ten years, being named Agent of the Year in 2004, and later opened his own successful business in The Villages, Florida. Despite personal health challenges that required a brief pause in his career, Larry’s commitment never wavered. Today, he works from his home office, providing personalized care to clients, new and old.

Larry’s approach is simple: listen well, serve with honesty, and treat every client like family.

“I pray over the work I do because I know it matters. Helping people is both my business and my calling.”

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