{"id":685,"date":"2026-10-09T01:06:44","date_gmt":"2026-10-09T01:06:44","guid":{"rendered":"https:\/\/www.wealthcrafters.org\/?page_id=685"},"modified":"2026-10-09T01:00:25","modified_gmt":"2026-10-09T01:00:25","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/www.wealthcrafters.org\/es\/retirement-planning\/","title":{"rendered":"Planificaci\u00f3n para la jubilaci\u00f3n"},"content":{"rendered":"<div  class='flex_column av-1jtgj-8b981de77f24d8a60f0e96c0a637e1f6 av_one_full  avia-builder-el-0  el_before_av_one_half  avia-builder-el-first  first flex_column_div'     ><p><div  class='avia-slideshow av-mv09jz2o-c5771da3576d38c56f12e2186a587376 avia-slideshow-no scaling av_slideshow avia-fade-slider  avia-builder-el-1  el_before_av_heading  avia-builder-el-first  av-slideshow-ui av-control-default av-slideshow-autoplay av-loop-endless av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:true,&quot;loop_autoplay&quot;:&quot;endless&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner' style='padding-bottom: 33.333333333333%;'><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__0  slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-688 avia-img-lazy-loading-not-688\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter.png\" width=\"2172\" height=\"724\" title='retirement-next-chapter' alt='Enjoy Your Next Chapter \u2014 Retirement planning starts with you'  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-next-chapter-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__1  slide-2 slide-even'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-689 avia-img-lazy-loading-not-689\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income.png\" width=\"2170\" height=\"725\" title='retirement-income' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income.png 2170w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-1030x344.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-768x257.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-1536x513.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-2048x684.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-1500x501.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/retirement-income-705x236.png 705w\" sizes=\"(max-width: 2170px) 100vw, 2170px\" \/><\/div><\/li><li  class='avia-slideshow-slide av-mv09jz2o-c5771da3576d38c56f12e2186a587376__2  slide-3 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-690 avia-img-lazy-loading-not-690\"  src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement.png\" width=\"2172\" height=\"724\" title='protect-retirement' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement.png 2172w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-300x100.png 300w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-1030x343.png 1030w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-768x256.png 768w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-1536x512.png 1536w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-2048x683.png 2048w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-1500x500.png 1500w, https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2026\/10\/protect-retirement-705x235.png 705w\" sizes=\"(max-width: 2172px) 100vw, 2172px\" \/><\/div><\/li><\/ul><div class='avia-slideshow-arrows avia-slideshow-controls' ><a href='#prev' class='prev-slide  avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='left-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Previous\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewbox=\"0 0 15 32\" preserveaspectratio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Previous<\/title>\n<desc id='av-svg-desc-1'>Previous<\/desc>\n<path d=\"M14.464 27.84q0.832 0.832 0 1.536-0.832 0.832-1.536 0l-12.544-12.608q-0.768-0.768 0-1.6l12.544-12.608q0.704-0.832 1.536 0 0.832 0.704 0 1.536l-11.456 11.904z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Previous<\/span><\/a><a href='#next' class='next-slide  avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello' tabindex='-1' title=\"Next\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewbox=\"0 0 15 32\" preserveaspectratio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Next<\/title>\n<desc id='av-svg-desc-2'>Next<\/desc>\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><span class='avia_hidden_link_text'>Next<\/span><\/a><\/div><div class='avia-slideshow-dots avia-slideshow-controls'><a href='#1' class='goto-slide active' >1<\/a><a href='#2' class='goto-slide' >2<\/a><a href='#3' class='goto-slide' >3<\/a><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykhby3y-287f59cfac160d876d5ff5a316bb0e1c\">\n#top .av-special-heading.av-lykhby3y-287f59cfac160d876d5ff5a316bb0e1c{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykhby3y-287f59cfac160d876d5ff5a316bb0e1c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykhby3y-287f59cfac160d876d5ff5a316bb0e1c .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykhby3y-287f59cfac160d876d5ff5a316bb0e1c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykhby3y-287f59cfac160d876d5ff5a316bb0e1c av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-2  el_after_av_slideshow  el_before_av_button'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Proteja su jubilaci\u00f3n frente a las ca\u00eddas del mercado<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lyko8mfw-01721932834ae1b9645c5b68a75d92d3-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-3  el_after_av_heading  el_before_av_promobox'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lyko8mfw-01721932834ae1b9645c5b68a75d92d3\">\n@keyframes av_sonarEffect_av-lyko8mfw-01721932834ae1b9645c5b68a75d92d3 {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lyko8mfw-01721932834ae1b9645c5b68a75d92d3.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lyko8mfw-01721932834ae1b9645c5b68a75d92d3 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-meeting-retirement-planning'  class='avia-button av-lyko8mfw-01721932834ae1b9645c5b68a75d92d3 av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Programe su consulta de jubilaci\u00f3n sin compromiso\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Programe su consulta de jubilaci\u00f3n sin compromiso<\/span><\/a><\/div><br \/>\n<div  class='av_promobox av-lykhmvtz-2bc05bfa518b0cca279c6e4ec00eb36c avia-button-no  avia-builder-el-4  el_after_av_button  el_before_av_hr'><div class='avia-promocontent'><p>\n<strong>Se ha esforzado para acumular sus ahorros. Exploremos c\u00f3mo proteger una parte de ellos de las p\u00e9rdidas del mercado y planificar ingresos confiables para la jubilaci\u00f3n.<\/strong><\/p>\n<p>En Wealth Crafters, la conversaci\u00f3n comienza con sus objetivos: cu\u00e1ndo desea jubilarse, cu\u00e1les podr\u00edan ser sus necesidades de ingresos mensuales y cu\u00e1nta incertidumbre est\u00e1 dispuesto a aceptar. Las anualidades fijas e indexadas fijas pueden ofrecer protecci\u00f3n contractual frente a ca\u00eddas del mercado, con l\u00edmites y contrapartidas importantes.<\/p>\n<p>Son contratos de seguro dise\u00f1ados para necesidades de jubilaci\u00f3n a largo plazo. Las garant\u00edas dependen de la solidez financiera y la capacidad de pago de la aseguradora emisora. Los retiros, los cargos por rescate, las comisiones de beneficios opcionales y los ajustes aplicables pueden reducir el valor de su contrato.<\/p>\n<\/div><\/div><br \/>\n<div  class='hr av-ypvkj-227de54de04c9af12fc44b48db1baad1 hr-default  avia-builder-el-5  el_after_av_promobox  avia-builder-el-last'><span class='hr-inner'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><div  class='flex_column av-swlmb-3f59ee06c84faeaa03a31fe3aa466fb5 av_one_half  avia-builder-el-6  el_after_av_one_full  el_before_av_one_half  first flex_column_div  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykokh9h-71361c19fde7c3aaed72676b0160d924\">\n#top .av-special-heading.av-lykokh9h-71361c19fde7c3aaed72676b0160d924{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykokh9h-71361c19fde7c3aaed72676b0160d924 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykokh9h-71361c19fde7c3aaed72676b0160d924 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykokh9h-71361c19fde7c3aaed72676b0160d924 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykokh9h-71361c19fde7c3aaed72676b0160d924 av-special-heading-h3 custom-color-heading  avia-builder-el-7  el_before_av_promobox  avia-builder-el-first'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Construya ingresos de jubilaci\u00f3n con los que pueda planificar<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='av_promobox av-lykon0oq-731f2d86dc7f0ca47e98078833aa65d4 avia-button-no  avia-builder-el-8  el_after_av_heading  avia-builder-el-last'><div class='avia-promocontent'><p>\nLa jubilaci\u00f3n cambia la pregunta de \u00ab\u00bfCu\u00e1nto puedo ahorrar?\u00bb a \u00ab\u00bfC\u00f3mo sostendr\u00e1n mis ahorros mi vida?\u00bb. La vivienda, los alimentos, la atenci\u00f3n m\u00e9dica y el tiempo con la familia forman parte de esa conversaci\u00f3n.<\/p>\n<p>Comience por comparar sus gastos previstos con los ingresos del Seguro Social, las pensiones y otras fuentes. Despu\u00e9s, considere si una opci\u00f3n de ingresos basada en seguros podr\u00eda ayudar a cubrir parte de la diferencia.<\/p>\n<p>Seg\u00fan el contrato y la opci\u00f3n de pago, una anualidad puede proporcionar ingresos durante un per\u00edodo determinado o de por vida. Los ingresos vitalicios pueden requerir convertir el contrato en una renta o a\u00f1adir una cl\u00e1usula opcional con costos y condiciones adicionales. El monto de sus ingresos, el acceso a los fondos y los beneficios para sus seres queridos dependen de sus elecciones.<\/p>\n<p>Mantenga ahorros accesibles para emergencias y necesidades a corto plazo. Un contrato a largo plazo debe encajar en su plan general, junto con dinero reservado para flexibilidad y crecimiento futuro.<\/p>\n<\/div><\/div><\/p><\/div><\/p>\n<div  class='flex_column av-m1uwj-3ac0f64a1b0e49770eeec7343fd6efbd av_one_half  avia-builder-el-9  el_after_av_one_half  el_before_av_hr  flex_column_div  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykosr10-258d784c59412d6d99509a87ef10b1e9\">\n.avia-image-container.av-lykosr10-258d784c59412d6d99509a87ef10b1e9 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lykosr10-258d784c59412d6d99509a87ef10b1e9 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lykosr10-258d784c59412d6d99509a87ef10b1e9 av-styling- av-hover-grow avia_animated_image av-animated-when-visible-95 top-to-bottom avia-align-center  avia-builder-el-10  el_before_av_button  avia-builder-el-first'   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-349 avia-img-lazy-loading-not-349 avia_image' src=\"https:\/\/www.wealthcrafters.org\/wp-content\/uploads\/2024\/07\/CustomerShakingLifeInsuranceAgentHand-495x400.jpg\" alt='' title='Cliente estrechando la mano de un agente de seguros de vida'  height=\"400\" width=\"495\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-11  el_after_av_image  avia-builder-el-last'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b\">\n@keyframes av_sonarEffect_av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/15-minute-meeting-retirement-planning'  class='avia-button av-lykoxfp6-d5e3e230578aa4cad93db2762ff8c20b av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Explore sus opciones de ingresos para la jubilaci\u00f3n\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue854' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Explore sus opciones de ingresos para la jubilaci\u00f3n<\/span><\/a><\/div><\/p><\/div><div  class='hr av-cur5f-c447b083562c95ba8c3079c241a5b7a1 hr-default  avia-builder-el-12  el_after_av_one_half  el_before_av_one_full'><span class='hr-inner'><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n<div  class='flex_column av-az36z-839a9882479c33b8f19be8069d7eb7b6 av_one_full  avia-builder-el-13  el_after_av_hr  avia-builder-el-last  first flex_column_div'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykpc9h1-9d000c39320517e4808140401b386ff6\">\n#top .av-special-heading.av-lykpc9h1-9d000c39320517e4808140401b386ff6{\npadding-bottom:10px;\ncolor:#176020;\n}\nbody .av-special-heading.av-lykpc9h1-9d000c39320517e4808140401b386ff6 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lykpc9h1-9d000c39320517e4808140401b386ff6 .special-heading-inner-border{\nborder-color:#176020;\n}\n.av-special-heading.av-lykpc9h1-9d000c39320517e4808140401b386ff6 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lykpc9h1-9d000c39320517e4808140401b386ff6 av-special-heading-h3 custom-color-heading  avia-builder-el-14  el_before_av_promobox  avia-builder-el-first'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Comprenda sus opciones antes de decidir<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='av_promobox av-lykpdb48-9132028ded9895c03daca09154bc724b avia-button-no  avia-builder-el-15  el_after_av_heading  el_before_av_button'><div class='avia-promocontent'><\/p>\n<h4>\u00bfPuede un 401(k) perder dinero?<\/h4>\n<p>Un 401(k) es una cuenta de jubilaci\u00f3n patrocinada por un empleador, no una inversi\u00f3n \u00fanica. Los fondos de acciones y bonos pueden perder valor; algunos planes tambi\u00e9n ofrecen opciones m\u00e1s conservadoras, como fondos de valor estable. Su riesgo depende de lo que tenga invertido.<\/p>\n<p>Una anualidad fija es un contrato de seguro que puede proteger el dinero de las ca\u00eddas del mercado de valores seg\u00fan sus condiciones. Tambi\u00e9n pueden mantenerse anualidades dentro de cuentas de jubilaci\u00f3n. Compare inversiones, beneficios, costos y acceso al dinero, en lugar de suponer que todos los 401(k) o anualidades funcionan igual.<\/p>\n<h4>\u00bfCu\u00e1l es la diferencia entre una anualidad fija y una indexada fija?<\/h4>\n<p><strong>Las anualidades fijas<\/strong> generan intereses a tasas establecidas por la aseguradora, sujetas a garant\u00edas contractuales. Una tasa puede estar garantizada durante un per\u00edodo espec\u00edfico y no durante toda la vigencia del contrato.<\/p>\n<p><strong>Las anualidades indexadas fijas<\/strong> acreditan intereses mediante una f\u00f3rmula vinculada a un \u00edndice, sin invertir su dinero directamente en ese \u00edndice. Un per\u00edodo negativo del \u00edndice puede significar cero intereses acreditados en lugar de una p\u00e9rdida de mercado, antes de comisiones, retiros y otros ajustes del contrato. Los topes, las tasas de participaci\u00f3n y los m\u00e1rgenes pueden limitar el crecimiento.<\/p>\n<p><strong>No todas las anualidades ofrecen esta protecci\u00f3n.<\/strong> Las anualidades variables y las anualidades registradas vinculadas a \u00edndices pueden perder dinero debido al desempe\u00f1o del mercado.<\/p>\n<h4>Comprenda las ventajas y las limitaciones<\/h4>\n<ul>\n<li><strong>Acceso:<\/strong> los retiros anticipados pueden generar cargos por rescate y ajustes de valor de mercado que reduzcan el capital.<\/li>\n<li><strong>Poder adquisitivo:<\/strong> los rendimientos limitados y la inflaci\u00f3n pueden afectar lo que sus ahorros podr\u00e1n comprar.<\/li>\n<li><strong>Garant\u00edas:<\/strong> respaldadas por la capacidad de pago de la aseguradora, no por el seguro de la FDIC.<\/li>\n<li><strong>Caracter\u00edsticas de ingresos:<\/strong> las cl\u00e1usulas opcionales pueden a\u00f1adir comisiones. El valor de un beneficio de ingresos no es necesariamente efectivo que pueda retirar.<\/li>\n<li><strong>Impuestos:<\/strong> los retiros pueden estar sujetos a impuestos y las distribuciones anticipadas pueden generar un impuesto adicional. Una anualidad dentro de una IRA o un 401(k) no a\u00f1ade un diferimiento fiscal adicional.<\/li>\n<\/ul>\n<h4>\u00bfDeber\u00eda transferir dinero de un 401(k)?<\/h4>\n<p>Eso requiere una revisi\u00f3n individual. Antes de considerar una transferencia, compare mantener su plan actual con otras opciones disponibles, incluidas las comisiones, opciones de inversi\u00f3n, reglas de retiro, beneficios del plan y consecuencias fiscales. Trasladar todo su saldo de jubilaci\u00f3n a un solo producto podr\u00eda no ajustarse a sus necesidades.<\/p>\n<h4>Comience con sus objetivos<\/h4>\n<p>Traiga sus preguntas, sus plazos de jubilaci\u00f3n y sus prioridades de ingresos. Hablemos sobre si una anualidad fija o indexada fija merece un lugar en su plan. Considere c\u00f3mo sus decisiones encajan con su <a href=\"https:\/\/www.wealthcrafters.org\/es\/estate-planning\/\">plan patrimonial<\/a> y <a href=\"https:\/\/www.wealthcrafters.org\/es\/life-insurance\/\">necesidades de seguro de vida<\/a>.<\/p>\n<p><small>Informaci\u00f3n educativa \u00fanicamente; no constituye asesoramiento individualizado de inversi\u00f3n, fiscal o legal. La disponibilidad, las garant\u00edas, las comisiones y las restricciones var\u00edan seg\u00fan la aseguradora y el contrato. Revise el contrato y consulte a su profesional fiscal antes de tomar una decisi\u00f3n.<\/small><\/p>\n<p><small>M\u00e1s informaci\u00f3n: <a href=\"https:\/\/www.investor.gov\/introduction-investing\/investing-basics\/investment-products\/annuities\">Investor.gov: Anualidades<\/a> \u00b7 <a href=\"https:\/\/content.naic.org\/insurance-topics\/annuities\">NAIC: Anualidades<\/a> \u00b7 <a href=\"https:\/\/www.finra.org\/investors\/learn-to-invest\/types-investments\/retirement\/managing-retirement-income\/taxation-retirement-income\">FINRA: Cuentas de jubilaci\u00f3n<\/a><\/small><\/p>\n<\/div><\/div><br \/>\n<div  class='avia-button-wrap av-lykpqw89-729b0f2175cafae0214f790ed2f6a79e-wrap avia_animated_button av-animated-when-visible-95 pop-up avia-button-center  avia-builder-el-16  el_after_av_promobox  avia-builder-el-last'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lykpqw89-729b0f2175cafae0214f790ed2f6a79e\">\n@keyframes av_sonarEffect_av-lykpqw89-729b0f2175cafae0214f790ed2f6a79e {\n  0% {opacity: 0.3;}\n 40% {opacity: 0.5; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5);}\n100% {opacity: 0; box-shadow: 0 0 0 2px rgba(255,255,255,0.1), 0 0 10px 10px #ffffff, 0 0 0 10px rgba(255,255,255,0.5); transform: scale(1.5);}\n}\n.avia-button.av-lykpqw89-729b0f2175cafae0214f790ed2f6a79e.avia-sonar-shadow:hover:after{\nanimation:av_sonarEffect_av-lykpqw89-729b0f2175cafae0214f790ed2f6a79e 1s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/calendly.com\/wealthcrafters\/30min'  class='avia-button av-lykpqw89-729b0f2175cafae0214f790ed2f6a79e av-link-btn avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color avia-sonar-shadow'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Planifiquemos su pr\u00f3xima etapa \u2014 Reserve una consulta\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue85b' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' >Planifiquemos su pr\u00f3xima etapa \u2014 Reserve una consulta<\/span><\/a><\/div><\/p><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-685","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Explore retirement planning with protection from market losses, fixed annuity options, and dependable income strategies. 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