The hardest part of retirement is rarely the saving. It is figuring out how to turn what you have saved into income that genuinely lasts. We help you build a guaranteed income floor with the right annuity, alongside whatever investments and Social Security you have already put in place.
Similar to a long-term CD but issued by an insurance company. You lock in a guaranteed interest rate for 3, 5, 7, or 10 years. Predictable, principal protected, and tax deferred.
Returns are tied to a market index like the S&P 500, with caps on the upside and floors on the downside. You participate in market gains when things go well, while your principal stays protected when they do not.
Trade a lump sum for a guaranteed monthly check for life or for a set number of years. The simplest way to create something like your own pension, and ideal for people who want predictable income no matter what markets do.
We list your guaranteed income from Social Security and any pensions alongside your fixed expenses. The gap between those two numbers is what an annuity can help fill.
We shop multiple A rated carriers because the same product can come with very different rates depending on who issues it. We show you the differences in writing so you can see exactly what you are choosing.
If an annuity does not actually fit your situation, we will say so. Sometimes the right answer is keeping your money exactly where it is, and we would rather lose a sale than steer you somewhere that does not serve you.
Some are. Variable annuities with high fees and complicated structures have earned their bad reputation, and we are honest about that. Fixed and indexed annuities from A rated carriers, on the other hand, can be excellent tools for the income piece of a retirement plan. The specific product matters, the carrier matters, and the rate matters, and our job is to help you tell the difference.
In a fixed or indexed annuity from an A rated carrier, your principal is protected by the insurance company's guarantee. State guaranty associations provide an additional backstop. We only work with carriers rated A or better, so the financial strength of the company stands behind every contract we recommend.
Most annuities have surrender charges if you withdraw early, typically a percentage that decreases each year over the contract term. We always walk you through the full schedule before you sign anything and only recommend a contract length that matches when you actually need the money.
Yes, and it is a common move for people approaching retirement. The rollover is tax free when done correctly, and we walk you through the paperwork so nothing gets misclassified along the way.
Our help is always free to you. Carriers pay us a standard commission when you enroll, the same amount whether you go through us or call them directly, so you get expert guidance at no additional cost.
When you call, you reach a licensed agent who already knows your file and has the time to help, the same business day, every time.