Understand your retirement income gap
Calculate the difference between your expected Social Security and pension payments and your actual monthly expenses. That gap is the number an annuity is designed to fill.
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Most Retirees Don't Know How Much Guaranteed Monthly Income They Actually Qualify For.
Retirement income planning isn't just about how much you've saved. It's about making sure that money lasts as long as you do. A single conversation with a licensed specialist can reveal income options many people never knew were available to them.
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Considering an Annuity? Take These 4 Steps Before You Decide
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1
Understand your retirement income gap
Calculate the difference between your expected Social Security and pension payments and your actual monthly expenses. That gap is the number an annuity is designed to fill.
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2
Review your existing retirement accounts
Identify which accounts, 401(k), IRA, savings could be partially or fully converted without disrupting your overall financial plan.
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3
Understand the different annuity types
Fixed, fixed index, and immediate income annuities each work differently. Knowing the basics before your consultation helps you ask better questions and evaluate options faster.
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4
Speak with a licensed retirement specialist
There is no cost and no obligation. A 20-minute conversation can show you exactly what monthly income your savings could generate and whether an annuity makes sense for you.
5 Mistakes That Cost Retirees Thousands in Lost Income
Avoid these common errors that leave retirees with less guaranteed income than they could have had.
Not Comparing Multiple Carriers
Annuity payout rates vary substantially between insurance companies. Retirees who accept the first offer they receive often leave hundreds of dollars per month on the table. A good specialist compares across top-rated carriers at no cost to you.
Keeping 100% of Savings Exposed to the Market
At or near retirement, a significant market downturn can permanently reduce your available savings. Many retirees choose to move a portion into a protected annuity precisely because they can't afford to wait for a market recovery.
Not Comparing Multiple Carriers
Annuity payout rates vary substantially between insurance companies. Retirees who accept the first offer they receive often leave hundreds of dollars per month on the table. A good specialist compares across top-rated carriers at no cost to you.
Misunderstanding Surrender Periods and Liquidity
Annuities include terms that govern when and how you can access your funds. Not reviewing these terms carefully, especially surrender charge schedules can lead to unexpected restrictions when flexibility is needed.
Ignoring Inflation Over a Long Retirement
A fixed monthly payment that feels adequate today may feel insufficient in 15 years. Some annuity products offer cost-of-living adjustment riders that help protect your purchasing power over time. Not exploring this option is a common and costly oversight.
Outcomes We Help Retirees Achieve
Fixed Rate Locked In
Our experts secured multiple guaranteed 5.9% annual rate on a fixed annuity with lifetime monthly income payments.
401(k) Rollover Completed
Our specialists moved savings of multiple clients from a market-linked 401(k) into a protected fixed annuity with predictable monthly distributions.
Income Gap Closed
Identified a $1,400/month income shortfall and structured an annuity to fill it completely for life.
Downturn Avoided
Protected $350,000 in savings from a 24% market correction through a fixed index annuity with a zero-loss floor.
Income Secured
Set up joint lifetime payments so the surviving spouse continues receiving full income after the first partner passes.
IRA Repositioned
Converted a traditional IRA into a tax-deferred annuity with enhanced growth potential and guaranteed income riders.
Fixed Rate Locked In
Our experts secured multiple guaranteed 5.9% annual rate on a fixed annuity with lifetime monthly income payments.
401(k) Rollover Completed
Our specialists moved savings of multiple clients from a market-linked 401(k) into a protected fixed annuity with predictable monthly distributions.
Income Gap Closed
Identified a $1,400/month income shortfall and structured an annuity to fill it completely for life.
Downturn Avoided
Protected $350,000 in savings from a 24% market correction through a fixed index annuity with a zero-loss floor.
Income Secured
Set up joint lifetime payments so the surviving spouse continues receiving full income after the first partner passes.
IRA Repositioned
Converted a traditional IRA into a tax-deferred annuity with enhanced growth potential and guaranteed income riders.
You May Be Entitled to More Than You Think
Guaranteed Monthly Income
Receive a fixed payment every single month for life regardless of what markets do, how long you live, or what interest rates look like in the future.
Principal Protection
With fixed and fixed index annuities, your initial deposit is fully protected from market losses. You cannot lose the money you put in.
Tax-Deferred Growth
Earnings inside an annuity grow tax-deferred until you begin taking distributions, letting your money compound faster than in a taxable account.
Inflation Adjustment Options
Select annuity products include cost-of-living adjustment riders that increase your monthly payment over time to help preserve your purchasing power.
Spousal and Joint Coverage
Joint lifetime income options ensure your spouse continues receiving income after you pass, protecting the household, not just the individual.
Legacy and Death Benefits
Death benefit riders allow any remaining account value to pass directly to your named beneficiaries, preserving wealth for the next generation.
We offer top of the line expert advice based on your savings level, age, and income goals across all 50 states.
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Licensed Professionals
Work with retirement income specialists who are licensed in your state and have access to top-rated carriers, not just one company's products.
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Situation-Specific Guidance
Get personalized recommendations based on your age, assets, income goals, and risk tolerance. Not a generic plan, but one built around your numbers.
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No Pressure, No Cost
Understand all your options before making any decisions. No fees for the consultation, no pressure. Just clear, straightforward information.
Common Questions About Annuities
Can I access my money after purchasing an annuity?
Most annuities include provisions that allow you to withdraw a percentage of your account value annually without penalty, typically 10% per year. Full surrender may be subject to charges during an initial period. Your specialist will walk you through the exact terms of any product before you commit to anything.
How are annuity payments taxed?
Taxation depends on whether the annuity was funded with pre-tax or after-tax dollars. Annuities funded through a traditional IRA or 401(k) rollover are taxed as ordinary income when distributions begin. Annuities funded with after-tax savings are only taxed on the earnings portion of each payment. A specialist can walk you through the tax implications for your specific situation.
What is the difference between a fixed and a variable annuity?
A fixed annuity offers a guaranteed interest rate and predictable monthly payments, your principal is never exposed to market risk. A variable annuity links your account value to investment sub-accounts, meaning both growth and payments can fluctuate. Most retirees seeking stability and predictability opt for fixed or fixed index products rather than variable.
What happens to my money if I pass away?
This depends on the product and the options you choose. Many annuities include death benefit provisions that return any remaining account value to your named beneficiaries. Joint lifetime income options also exist to ensure a surviving spouse continues receiving payments.
Is an annuity right for me?
It depends on your income needs, risk tolerance, and how much of your savings you want to protect. Annuities work best for people who want a reliable monthly income they cannot outlive. A licensed specialist can assess your situation and tell you honestly whether an annuity makes sense and if so, which type.
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