Focus on your future

Retirement is just the beginning. It’s your time to live well. That’s why some portion of your retirement income should be dependable and predictable.

And while you may be on the path to saving for the future, there are some factors out of your control that create uncertainty. Markets can be volatile, you may live longer than you now imagine and the effect of inflation on your buying power can be unpredictable. Your qualified retirement plan and Social Security may not provide enough income to meet your long-term needs.

A variable annuity from Great-West Financial® can make a difference. By focusing on replacing your income in retirement, you can plan for a more meaningful future.

What is a variable annuity?

A variable annuity is a long-term, tax-deferred retirement savings vehicle that allows you to invest in a wide selection of investment options that are wrapped inside of an insurance contract. It provides an easy, convenient way to supplement the money you receive at retirement from Social Security, your retirement plan at work and your personal savings.

What can a variable annuity do for me?

Variable annuity products

Great-West Smart Track® II — 5 Year Variable Annuity

A flexible growth and guaranteed3 income strategy that can be tailored to fit your specific needs.

Smart Track II – 5 Year is available to you through our trusted partner banks and independent broker-dealers. Contact your financial professional to learn more about the growth potential and available guaranteed3 retirement income options.

Discover how Smart Track II – 5 Year can help you to and through retirement.

Schwab Advisor Choice Variable AnnuityTM

A low-cost, flexible solution available for non-qualified and qualified accounts.4

The Schwab Advisor Choice Variable Annuity is available exclusively through Charles Schwab. Discover how Schwab Advisor Choice Variable Annuity can help you feel more confident about planning for your retirement.

Great-West Smart Track Advisor Variable Annuity

Smart Track Advisor is a fee-based product that provides tax-deferred investment growth potential and lifetime retirement income — the best of both worlds. Smart Track Advisor is available through our trusted network. Contact your financial professional to learn more.

Discover how the Smart Track Advisor can help you to and through retirement.

Schwab OneSource Choice Variable AnnuityTM

More investment choices, guaranteed income1, and protection for your beneficiaries.

The Schwab OneSource Choice Variable Annuity is available exclusively through Charles Schwab. Learn how Schwab OneSource Choice Variable Annuity can help you take charge of your retirement.

Variable annuities are sold by prospectus only. Variable annuities are long-term investments and may not be suitable for all investors. Any withdrawals of earnings prior to age 59½ may be subject to income tax and a 10% penalty. A withdrawal charge may also apply.

Other retirement income products

Great-West Smart Track Variable Annuity and Great-West Smart Track II Variable Annuity5

A retirement income strategy option that easily shifts from saving and investing to spending.

Click here for information on Smart Track and Smart Track II.

Great-West SecureFoundation® Smart Future5

A combination of growth potential and retirement income protection.

Smart Future is available to you through our trusted partner banks and independent broker-dealers. Contact your financial professional to learn more about its growth potential, downside protection and guaranteed retirement income.

Click here for information about Smart Future.

Important Disclosures

1 Taxable investments held longer than 12 months may qualify for lower capital gains and/or qualified dividend tax rates, which may make the return on the taxable investments more favorable.

2 Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. For more information, see the fund’s prospectus and/or disclosure documents.

3 All guarantees are subject to the claims-paying ability of the Great-West Life & Annuity Insurance Company. Schwab does not provide any insurance guarantees.

4 Insurance expenses, including mortality and expense charges on the Schwab Advisor Choice Variable Annuity, are 0.49%, as compared with the industry average of 1.34% according to a June 30, 2015, Morningstar survey of 2,115 variable annuities. This does not include fees associated with the guaranteed lifetime withdrawal benefit, underlying investment options or the guaranteed minimum (return-of-premium) death benefit option.

5 The decision to purchase an annuity in a qualified plan or IRA should not be based on the annuity’s tax-deferred accrual feature as the qualified plan or IRA itself already provides this.

6 GWFS Equities, Inc. is the principal underwriter and distributor for the certificate and the Great-West SecureFoundation® Balanced ETF Fund.