YOU'VE WORKED TOO HARD TO RISK IT ALL - PROTECT YOUR FUTURE

Guaranteed Income Annuities being explained

Dear Retiree, Enough Guessing Already!

Learn how thousands of Americans 55+ are using annuities for retirement income. Learn what you need to know about a guaranteed annuity before you purchase an annuity.

Do you constantly worry about running out of your savings?

I get it. People are living longer than ever, but savings aren't keeping pace. A guaranteed income annuity can provide income for life, NO MATTER HOW LONG YOU LIVE!

Do you think the Market is filled with Volatility and Uncertainty?

Market crashes (like 2008 or 2020) can wipe out years of retirement savings overnight. Guaranteed Income annuities can protect your principal and still offer growth with ZERO EXPOSURE TO MARKET LOSSES!

Let's face it, this can be overwhelming and give you Financial Anxiety

I'm sure you've noticed, but if not, our hair turns grey fast enough. We don't need to give it any help! Income Annuities offer set-it-and-forget-it simplicity with clear, guaranteed outcomes. It's time to reduce your stress!

Is an Annuity Good or Bad?

It depends, but here's a better question! What one job is an Annuity best suited for? INCOME! Why? They are Stable, Predictable, Contractually Guaranteed, and Safe from a Down Economy.

GO FROM PAYCHECKS TO PLAYCHECKS! *

Lets face it, the Market is Unpredictable

Most of us don't have the luxury of pensions of the past. We HAVE to create our own Playcheck from our 401(k), IRA's etc. Guaranteed Income Annuities turn savings into a STEADY MONTHLY "retirement playcheck" - just like a pension or Social Security!

Aren't we all concerned about rising Healthcare Costs & Long Term Care Costs?

It's got to be in the back of your mind, just like it is in mine - that an unexpected medical expense can derail our retirement plans. There are guaranteed income annuities that include optional long-term care riders or allow your money to be accessed penalty-free for qualifying needs.

But, I like CD's - they're FDIC Insured

Ok, but then you're stuck with the fluctuations of interest rates. If rates come down, so does your income, and because the rates are lower than annuities you have to tie up way too much principal for a low rate of return.

MY CPA says I should get some of those Tax-Free Muni's

You need to understand the payout rates of annuities vs those Muni's. It's not even close.

My broker Suggested some High Dividend Paying Stocks

Oh, did your broker tell you those are guaranteed for life? Does your broker know that the payout rates on annuities increase as you age? Do CD's, Muni's or Dividend Stocks do that? NO OTHER FINANCIAL PRODUCT DOES THIS.

* thanks to Tom Hegna for the phrase, "Paychecks to Playchecks"

WHAT IF YOU NEVER RAN OUT OF MONEY? (SERIOUSLY)

I Got a Guy - Real Life Example

A 67-year old male is going to retire next year. Part of his nest egg is a $1M IRA Rollover. He’s moderately conservative and more market risk averse. He would have to tie up the entire $1M within a 5% CD to produce $50K a year of interest income. On the other hand, it would only take $700K of principal in the right Lifetime Income Annuity to produce just over $63k a year in GUARANTEED LIFETIME INCOME. That is 26% MORE income using 30% LESS PRINCIPAL. Not to mention there is an extra $300K left over to invest in growth vehicles to help restore some of that $1M original principal.

THINK ANNUITIES ARE BORING? SO IS BEING BROKE AT 80!

I Got A Gal - Real Life Example that we just placed at the end of April, 2025

A 59 year old woman, married, bought a $150K Joint annuity. Their plan is to take income in 5 or 10 years. This is important. You can hold your money longer if it turns out you don't need it (good for you!). Think of it like Social Security. If you wait to take it a few years later, the income gets bigger.

Here is what the difference is if she takes the money in year 5 or year 10.

5 yrs - $14,760/yr guaranteed for life – that's 9.8% payout rate based on the original $150,000!!!

10 yrs - $23,160/yr guaranteed for life – This is a 15.4% payout rate based on the original $150,000!!!

What other Financial Product can do this? The answer is - NONE.

LIVE YOUR BEST RETIREMENT LIFE - WORRY FREE

Basic Needs Covered

More Control - not less

Basic Needs Covered

Imagine what it would be like to have your food, housing and healthcare expenses covered with a combination of Social Security, maybe a pension and a guaranteed income annuity . Would everyday be just a little bit more relaxing? We think so and we can show you countless examples of annuities for retirement income and the best way to purchase an annuity.

Financial Freedom

More Control - not less

Basic Needs Covered

If you've always managed your own money and are concerned you will lose that freedom. The reality is that independence is a strength! This isn't about giving up - it's about building a foundation you can count on, so the money you continue managing is NOT under pressure to cover the basics. It's financial freedom, not surrender.

More Control - not less

We understand. You don't want to feel like you would lose control of your money. That makes a lot of sense - no one wants to feel locked in. But in reality, a guaranteed income annuity can give you MORE freedom. It creates a predictable income stream, so you are LESS dependent on the Market and can manage the rest of your portfolio with more flexibility and peace of mind.

Who Buys Annuities?

A Very Key Point Here!

More Control - not less

Actually, some of the savviest investors use annuities to take care of the "must-haves" - so they can take more strategic risk with their other investments

Wishes, Wants Needs

A Very Key Point Here!

Bask in the reality that instead of worrying about what the market is going to do everyday, week, month or year, and trying to be a part-time financial guru, focus on your Wishes - toes in the sand, warm breezes in the tropics - whatever it is, you can do those things stress free

A Very Key Point Here!

We are not talking about using all of your hard earned assets and sticking them into an annuity. In fact, we want to explore what the optimal amount would be based on YOUR needs, wants and wishes. If you are more risk tolerant, then less in annuities, if your are more risk averse, then maybe a little more.

BUT WAIT. THERE'S MORE. (REMEMBER "MY COUSIN VINNY"?!!)

Key Benefits of a Guaranteed Income Annuity

1. Guaranteed Income You Can’t Outlive

Peace of mind for life.

You receive monthly income for the rest of your life, no matter how long you live — even if your original money runs out.
This is like creating your own personal pension.

2. Predictable, Steady Payments

No surprises, no market worries.

Your payments are fixed and consistent.
You can rely on that income every month — helpful for budgeting in retirement.

3. Protection From Market Risk

Sleep easier — your income isn’t tied to the stock market.

Your money is not invested in the stock market, so market drops don’t affect your income.
Especially important in volatile or uncertain economic times.

4. Longevity Protection

You won’t run out of money at 85, 90, or 100.

One of the biggest risks in retirement is outliving your savings.
A life income annuity helps ensure you’ll always have some money coming in, no matter how long you live.

5. Simple and Worry-Free

Set it and forget it.

Once it’s set up, you don’t have to manage investments or worry about markets.
Ideal for people who want less financial stress in retirement.

6. Options for Spousal or Joint Income

You can cover your spouse, too.

You can choose a joint-life annuity so income continues for your spouse if you pass away first.
Helps provide financial stability for both partners.

7. Behavioral Benefits

Encourages smarter spending habits.

Regular monthly payments help retirees avoid overspending early in retirement or underspending out of fear.

8. Optional Death Benefits or Refund Features

You don’t have to “lose it all” if you die early.

Many modern annuities let you choose a "return of premium" or period-certain option so that if you pass away early, your beneficiaries get something back.

9. Flexible Start Dates (Deferred Options)

You can lock in future income today.

You can buy a Deferred Income Annuity (DIA) now and choose to start income later (say at 70 or 75), getting higher payments by waiting.

10. Supplement to Other Retirement Income

Helps fill the gap.

Pairs well with Social Security and savings.
Ideal if you don’t have a pension or want to cover fixed expenses like housing, food, or healthcare.

Summary (In Plain Terms):

A Guaranteed Life Income Annuity gives you a monthly paycheck for life — no guesswork, no stress.
It’s like creating your own retirement paycheck that never stops, even if you live to 100.

DETAILS. DETAILS. DETAILS.

Fixed Indexed Annuities

Best product for Guaranteed Income

Learn More

MYGA's

Fixed Indexed Annuities

Like a CD, but better!

Learn More

Sequence of Returns

Fixed Indexed Annuities

Sequence of Returns

Can altar income significantly!

Learn More

Mortality Credits

Sequence of Returns

The Secret Sauce!!

Learn More

Payout Rates

Mortality Credits

Annuity FAQ's

Not an Interest Rate, but a huge Key!

Learn More

Annuity FAQ's

Mortality Credits

Annuity FAQ's

Commonly asked questions

Learn More

YOU'VE WORKED TOO HARD TO RISK IT ALL - PROTECT YOUR FUTURE

Dear Retiree, Enough Guessing Already!

Do you constantly worry about running out of your savings?

Do you think the Market is filled with Volatility and Uncertainty?

Let's face it, this can be overwhelming and give you Financial Anxiety

Is an Annuity Good or Bad?

Ready to talk?

GO FROM PAYCHECKS TO PLAYCHECKS! *

Lets face it, the Market is Unpredictable

Aren't we all concerned about rising Healthcare Costs & Long Term Care Costs?

But, I like CD's - they're FDIC Insured

MY CPA says I should get some of those Tax-Free Muni's

My broker Suggested some High Dividend Paying Stocks

WHAT IF YOU NEVER RAN OUT OF MONEY? (SERIOUSLY)

I Got a Guy - Real Life Example

THINK ANNUITIES ARE BORING? SO IS BEING BROKE AT 80!

I Got A Gal - Real Life Example that we just placed at the end of April, 2025

LIVE YOUR BEST RETIREMENT LIFE - WORRY FREE

Basic Needs Covered

More Control - not less

Basic Needs Covered

Financial Freedom

More Control - not less

Basic Needs Covered

More Control - not less

More Control - not less

More Control - not less

Who Buys Annuities?

A Very Key Point Here!

More Control - not less

Wishes, Wants Needs

A Very Key Point Here!

A Very Key Point Here!

A Very Key Point Here!

A Very Key Point Here!

A Very Key Point Here!

BUT WAIT. THERE'S MORE. (REMEMBER "MY COUSIN VINNY"?!!)

Key Benefits of a Guaranteed Income Annuity

1. Guaranteed Income You Can’t Outlive

2. Predictable, Steady Payments

3. Protection From Market Risk

4. Longevity Protection

5. Simple and Worry-Free

6. Options for Spousal or Joint Income

7. Behavioral Benefits

8. Optional Death Benefits or Refund Features

9. Flexible Start Dates (Deferred Options)

10. Supplement to Other Retirement Income

Summary (In Plain Terms):

GET MY FREE CONSUMER ANNUITY CHECKLIST

DETAILS. DETAILS. DETAILS.

Fixed Indexed Annuities

Fixed Indexed Annuities

Fixed Indexed Annuities

MYGA's

Fixed Indexed Annuities

Fixed Indexed Annuities

Sequence of Returns

Fixed Indexed Annuities

Sequence of Returns

Mortality Credits

Mortality Credits

Sequence of Returns

Payout Rates

Mortality Credits

Annuity FAQ's

Annuity FAQ's

Mortality Credits

Annuity FAQ's

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We simplify the complex

We simplify the complex

Built on Trust, driven by results

We simplify the complex

Built on Trust, driven by results

Built on Trust, driven by results

Built on Trust, driven by results

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