You don't have to be a financial expert to make a smart move. I'll help you explore a safe, proven strategy to grow your savings — without market risk.
If you've built up a 401(k), IRA, or TSP, you deserve to protect it from future losses.
I work with people who are tired of the volatility and ready for stability — and I help them understand if this solution is the right fit.
It's not about a sales pitch. It's about clarity, options, and real peace of mind.
Annuities are financial contracts designed to provide guaranteed income in retirement. Think of them as a personal pension that you create for yourself, offering protection from market volatility and longevity risk.
Traditional pensions are disappearing. Social Security may not be enough. And 401(k)s can lose value right when you need them most. That's where annuities come in.
Different annuities serve different needs. Here's a breakdown of the main types and who they're best for.
Guaranteed interest rate and predictable growth. Perfect for conservative investors who want certainty.
Growth linked to market indexes with downside protection. Get market upside without market risk.
Start receiving guaranteed monthly income immediately. Perfect for those already in retirement.
The key to a successful retirement is having multiple income sources. Here's how annuities fit into a comprehensive retirement plan.
Your foundation, but likely not enough to maintain your lifestyle.
Subject to market risk and required distributions that you can't control.
Guaranteed income you can't outlive, providing the stability your retirement needs.
Fixed annuities and CDs for guaranteed income and emergency funds.
Fixed index annuities for protected growth and future income.
Growth investments and life insurance for wealth transfer.
Annuities aren't right for everyone, but they can be perfect for certain situations and goals.
Lost $200K in 2008 Crash
"We couldn't afford another market crash so close to retirement. Our fixed index annuity has grown 7% annually with zero losses, and we'll have $4,000/month guaranteed income for life."
Widow, Recently Retired
"Social Security wasn't enough to maintain my lifestyle. My immediate annuity provides an extra $2,200/month guaranteed for life. I sleep well knowing I'll never run out of money."
Business Owner
"I sold my business and needed a safe place for the proceeds. My annuity protects my principal while still giving me growth potential. It's the perfect bridge to retirement."
Let's address the most common questions and concerns people have about annuities.
Modern annuities have become much more competitive. Many fixed index annuities have no annual fees, and the guaranteed income benefit often costs less than 1% annually - much less than the potential cost of running out of money.
Most annuities allow you to withdraw 10% annually without penalty. Plus, you can access more for emergencies like nursing home care or terminal illness. It's about balance, not complete restriction.
Most annuities have death benefits that protect your beneficiaries. They'll receive at least what you put in, and often more. Some annuities even offer enhanced death benefits for your heirs.
While some annuities can be complex, the basic concept is simple: you give the insurance company money, and they guarantee you income. We'll help you understand exactly how your annuity works before you commit.