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Annuities in Boyertown PA & Gilbertsville PA

Keep Your Financial Resources Protected.

Gerhart, Hartman & Ritner, Ltd. understands the value of saving for and investing in your future. If you’re like many Americans, you work diligently each day and take the right steps to ensure that you’ll be supported with a comfortable income after you retire. That’s why it’s smart to have the right coverage options under your retirement plan because in some cases, you can actually outlive your income.

The last thing you’ll want to experience as a retiree is a loss of your financial resources. With an Annuity from Gerhart, Hartman & Ritner, Ltd., you can ensure that your finances are covered – for a healthy and happy retirement. Annuities are essentially investments that guarantee a steady income stream. Based on your plan, you can receive money either on a set schedule or in a lump sum.

Types of Annuities

Gerhart, Hartman & Ritner, Ltd. can offer two types of Annuities: Deferred and Immediate Annuities.

Deferred Annuities are investments that you make either over a period of time or all at once. Since these Annuities are tax-deferred, you only have to start paying taxes upon withdrawal. Deferred Annuities are either fixed or variable, meaning your payout is either a fixed sum or an amount in accordance to the performance of the market/group of investments.

Immediate Annuities are payments that you can receive right after you make your investment. This type of Annuity is typically for those around the retirement age who want to secure their financial future. Like Deferred Annuities, you only pay taxes upon withdrawal.

Understand Your Investments

An annuity is a long-term, tax-deferred investment designed for retirement. With an annuity, you can create a fixed or variable stream of income. The annuity’s value and growth will vary based on how the investments you choose to fund the annuity (underlying investments) perform.

Just like other types of investments, an annuity has limitations. If you take your money out early, you may have to pay fees called surrender charges. You’ll have to pay income tax on the withdrawal, and if you’re not yet 59½ years old, you may also have to pay a 10% tax penalty. If you do take an early withdrawal, it will reduce both the death benefit your beneficiaries receive and the cash value of the annuity.

An annuity is sold by an insurance company, and the annuity’s guarantees and protections are subject to that company’s ability to pay for them. However, this doesn’t apply to the underlying investments. The underlying investments are subject to market risk, so you could end up with less money than you invested.

An annuity is sold by prospectus, a document that describes the annuity’s objectives, risks, fees and charges. The cost of an annuity often includes mortality and expense charges, administrative fees, contract fees and the expense of the underlying investments. There are prospectuses for the annuity and the underlying investments that fund the annuity. It may take some time, but you should read the prospectuses carefully before investing.

It’s important to discuss your options with a specialist at Gerhart, Hartman & Ritner, Ltd. who is committed to helping you make the right decisions.

Before investing, understand that annuities are not insured by the FDIC, NCUSIF or any other federal government agency, and are not deposits or obligations of, guaranteed by, or insured by the depository institution where offered or any of affiliates. Annuities that involve investment risk may lose value. Guarantees and protections are subject to the claims paying ability of the issuing insurance company.

Our Locations

Boyertown Office

138 S. Reading Ave.
Boyertown, PA 19512
Main office: 610-367-2544
Fax: 610-367-2656

Red Hill Office

262 Main Street
Red Hill, PA 18076
Main office: 215-679-7345
Toll free: 888-819-2762
Fax: 215-679-6464

Our Providers

Testimonials

Claim was handled expeditiously & professionally at both local & home office levels. Thanks to all!!

Bob S.
Thank you for all the help with our recent claim! Your service was good as always.

Donald & Glenna A.
Prompt communication throughout the claim process. Car is at the body shop. Other damage was detected and reported to insurance by body shop. Insurance representative called to acknowledge the additional damage and is sending additional funds to cover the repair. Thank you to all for expertise and assistance in resolving this claim.

Harvey & Rosalie N.
Haley did a wonderful job! She was able to find an insurance company that could save us money. Keep up the great work, Haley! We will definitely tell people about our savings & great customer service.

Terry & Donna L.
All went smoothly with dealing with your agency and repair process.

James & Margaret M.
We are very pleased to rate your service with a perfect score every time. For this reason, we continue to do business with your agency.

Robert & Ruthanne O.
Alyssa is very friendly and willing to help. She was a great help on my recent claim for an accident I had during our last snow storm. My claim to Selective Insurance was handled satisfactorily and my car is like new again.

Frank R.
Alicia has been great to work with during this incident. Really feel like your customers matter.

Ronald & Melissa S.
Very pleased with the service provided in helping me deal with the loss of our car. Thank you!

James & Nina L.
Very professional. Spoke with Haley and was very satisfied for the route taken. Doing great for my needs!

Maria G.
The claim went smoothly - MMG was very responsive as well as GHR, who are always on top of any issue. Thank you.

Annette C.
Thanks for all your help with my misfortune. I would also like to thank Ms. Springman for her assistance. You (Deb Hutt) and the staff have always been very helpful and assisted me when I had any questions. I was pleased with the turn-around time on this particular event. Again, I convey my deep appreciation for the good customer service.

Joseph B.
You do a great job! Thank you.

George H.
A great job was done! Deb explained what needed to be done in detail. Every question answered. Got me in touch with . . . another agent who even set up a reservation for . . . rental car.

Janet C.
Everything was handled very nicely and fast. No problems at all. Thank you.

Fern Y.
My claim was handled quickly and professionally. My agent (Beth) was her usual efficient self. Thank you.

Lisa & Robert B.
Just want to thank you for your prompt and courteous service. Thank you.

Nancy M.
We want to thank you for all the attention you have given to us throughout this process. We really appreciate all the extra help.

Lynn & Dennis J.
My business with Gerhart, Hartman and Ritner has always been friendly and professional. My mishap in December was very upsetting to me but you were very kind and understanding and I appreciated that. Thank you.

Betty O.
I was very satisfied how everything was taken care of.

Leon M.
The entire transaction with GHR and Maine Mutual was very smooth when I incurred a repair situation with my vehicle. My vehicle is now repaired and everything is good. Haley is always available when I call and always provides good advice with a pleasant demeanor.

Kay M.