Investment Services

Annuities

Annuities are long term, tax-deferred investments vehicles designed for retirement purposes.


An annuity is a contract between you and an insurance company. Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a guaranteed minimum amount, such as your total purchase payments. Multiple types of annuities are available, including fixed and variable annuities.

Gains from tax deferred investments are taxable as ordinary income upon withdrawal.  Guarantees are based on the claims paying ability of the issuing company.

Fixed Annuities

Fixed annuities are a conservative way to accumulate retirement assets and give you an opportunity to generate income for life. They can allow you to:

Important considerations for fixed annuities:

Variable Annuities

If you are comfortable with market fluctuations, including the potential loss of principal, variable annuities offer you the advantages and earnings potential of the equity and debt markets. Investment choices generally include a variety of professionally managed sub-account options, ranging from conservative (including optional guaranteed accounts) to aggressive, investing in bond and/or stock portfolios.  The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.

Variable annuities can be purchased through a single premium payment or through a flexible series of payments made to insurance companies under contractual agreements. Under the agreements, insurance companies agree to pay out income or lump sum amounts at a later date. There are a variety of income options available at maturity, including a guaranteed lifetime income option.

Riders are additional guarantee options that are available to an annuity or life insurance contract holder.  While some riders are part of an existing contract, many other may carry additional fees, charges, and restrictions, and the policy holder should review their contract carefully before purchasing.

Choose a variable annuity if you want the ability to:

Important considerations for variable annuities:

Variable annuities are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your Middleburg Investment Group advisor . Read the prospectus carefully before you invest. Variable annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk. 

There are contract limitations, fees and charges associated with variable annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees and charges for optional benefits. Please talk with your Middleburg Investment Group advisor for cost and complete details of coverage.

 

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Middleburg Bank deposits and are not FDIC insured. These products are not obligations of the Middleburg Bank and are not endorsed, recommended or guaranteed by Middleburg Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
 
The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states ( AL, AZ, CA, CO, CT, DC, ID, FL, GA, IA, IN, KY,MA, MD, MN, NJ, NY, NC, OK, OR, PA, SC, TN, TX, VA, WA, WV).
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