Annuities

Planning for retirement? Annuities are designed to ensure that you will have the funds you need to meet your long-term and retirement goals. The right one for you depends on your individual situation and needs.

  • Fixed Annuity – Pays you no less than a specified interest rate while your account is growing. For more conservative investors, a way to build assets at a fixed rate of interest with a tax deferral.
  • Variable Annuity – You choose from a wide range of investment options, professional portfolio management, tax deferral, income options, and death benefits. Variable annuities can help provide income for retirement and potentially make it last a lifetime.
  • Immediate Income Annuities - Want to create a secure income during retirement? Make one purchase payment and begin receiving annuity payments soon after. You can choose the payout period, including a lifetime income.

Other considerations include:

  • Company rating – Is the company reputable and highly rated?
  • Premium protection – Will it pay back as much as you invested?
  • Cost of living protection – Is inflation decreasing your future lifestyle?
  • Joint and survivor benefits – Are your loved ones protected?

First Hawaiian Advisor’s team of Wealth Advisors can map out a customized strategy and design a portfolio that can help provide confidence for your financial future. Learn how annuities and other products may be right for you. Call us at (808) 525-5159 or toll free at (877) 643-4344 or stop by any First Hawaiian Bank branch nearest you and ask to speak with a Wealth Advisor.  


Annuity products offered through Raymond James Financial Services.

Annuities are a long-term, tax-deferred investments designed for retirement purposes. Ordinary income tax is due on earnings withdrawn. Withdrawals prior to age 59 ½ may incur a 10% federal tax penalty on top of ordinary income taxes. Withdrawals may also be subject to an early surrender fee charged by the issuer. Withdrawals have the effect of reducing the death benefit and the surrender value. All guarantees are based on the claims paying ability of the issuing company. Additionally, variable annuities are subject to investment risks, including the possible loss of principal. Investor units will fluctuate with the performance of the underlying investments, and there may be a gain or loss upon redemption.

Variable annuities are sold by prospectus only. Investors should carefully consider objectives, risks, charges and expenses carefully before investing. The contract prospectus and the underlying fund prospectus contain this and other important information. Investors should read the prospectus carefully before investing. For a copy of the prospectus contact your financial advisor.

999 Bishop Street, Suite 1850; Honolulu, HI  96813 | P:  (808) 525-5159 or toll free at (877) 643-4344
Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. First Hawaiian Advisors, First Hawaiian Bank and First Hawaiian Bank Wealth Management Group are not registered broker/dealers and are independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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