Planning for Retirement? We’re Here to Help.

When it comes to your financial future, the decisions you make today can have a big impact down the road. Whether you’re changing jobs, nearing retirement, or simply wanting more control over your savings, rolling over a 401(k) or exploring annuity options can help you build long‑term stability—and peace of mind.

At Catawba River Insurance Group (CRIG), we’re more than just an independent insurance agency. We also help individuals and families across North Carolina and South Carolina navigate important financial decisions with clear, friendly guidance.

What Is a 401(k) Rollover?

A 401(k) rollover lets you move retirement savings from an old employer-sponsored plan into an IRA or another retirement account. Homeowners and business professionals often choose a rollover when they:

• Change jobs or retire
• Want more investment choices than their old plan offered
• Prefer lower fees or more control over their funds
• Need to consolidate multiple old retirement accounts

Done correctly, a rollover keeps your savings tax-deferred and working for you. Done incorrectly, it can trigger penalties and taxes—so it’s important to have guidance from someone who understands the process.

Where Do Annuities Fit In?

Annuities can be a valuable piece of your retirement plan, especially if you’re looking for predictable income later in life. They can provide:

• Guaranteed income you can’t outlive
• Tax-deferred growth on your contributions
• Protection from market volatility depending on the type of annuity
• Options for lifetime payouts or legacy planning for your family

From fixed annuities to indexed annuities, there are many choices—each with advantages depending on your goals, age, and risk tolerance.

How CRIG Helps You Make the Right Choice

Because we’re independent, we work with multiple financial and insurance carriers. This allows us to compare options and guide you toward the products that best fit your long-term plans—without pressure or one-size-fits-all recommendations.

We’ll help you:

• Understand your options for 401(k) rollovers
• Compare annuity types and features
• Align your retirement strategy with your financial goals
• Protect your savings while planning for lifetime income

Our goal is simple: to help you feel confident, supported, and well-prepared for your retirement years.

Let’s Build Your Retirement Strategy Together

Your retirement savings represent years of hard work and dedication. We’re here to make sure those dollars continue working just as hard for your future.

Want to explore your rollover or annuity options? Give us a call at (828) 324‑1600 or visit thecrig.com to connect with a local agent who’s ready to help.

Smart planning today leads to a more confident tomorrow.