Annuities are used post retirement to provide an ongoing income to an individual. At retirement if a client is looking for certainty of income and want to remove all investment risk form their post-retirement income requirements. We would research the various annuity providers to see which company is offering the best annuity rates. Annuities can be on a single or joint life basis and can have other options built in to provide longer term value. Our job at this juncture is to assist you the client in making the right decision in terms of the type of annuity to opt for and then to ensure through our thorough market research that we provide the best value for money available.