Annuities

Independent broker. Multiple carriers. Align guarantees, growth potential, and income with your goals.

🛡️Principal protection (varies by type) 📈Tax-deferred growth 💵Lifetime income options
📘 What is an annuity?

An annuity is a contract with an insurance company designed to help you accumulate or distribute money for retirement. We act as your broker—comparing contracts across carriers so the structure, riders, and costs fit your plan.

🧭 Common types we broker
  • Fixed annuity — guaranteed rate for a set period.
  • Fixed indexed annuity (FIA) — interest tied to an index with downside protection.
  • Immediate annuity — convert a lump sum into payments that start right away.
  • Deferred income annuity — payments start in the future for higher income later.
  • Riders — income, enhanced death benefit, long-term care-style features (varies by carrier).
Our goal is simple: the right annuity only if it truly fits your plan—never more than you need.
⏱️ How long is my money locked up?

It depends on the contract. Many have surrender periods (e.g., 3–10 years) with free withdrawal allowances. We’ll size term length to your timeline.

📉 Can I lose money?

Fixed and many FIAs protect principal if you follow contract terms. Variable annuities can lose value. We’ll walk you through trade-offs before you decide.

📜 Do I have to add riders?

No. Riders add features—and cost. We’ll compare with and without riders so you only pay for what you’ll use.

Want a side-by-side comparison?

Tell us your target income, timeline, and risk comfort. We’ll compare multiple carriers for you.

Discuss annuities