Safe Retirement Income & Annuity Reviews
Plan for retirement income you can count on. We help you see whether an annuity could provide dependable payments for part of your monthly needs, and we review the annuity you already own. Your initial consultation and review are free.
An annuity, explained simply
An annuity is a contract with an insurance company. You set aside money, and the contract can provide income now or later. The main reason many people consider one is to create a dependable source of retirement income.
Market down. No index-linked loss.
With a fixed indexed annuity that has a 0% floor, a falling index credits no interest for that term rather than subtracting the market decline from your indexed account. Your money is not invested directly in the index.
Index decline alone does not reduce the indexed interest account under an applicable 0% floor.
Hypothetical example, not a quote or a promise of a return. Contract terms vary. Rider fees, withdrawals, surrender charges and taxes may reduce what you receive. Guarantees rely on the issuing insurer’s claims-paying ability. NAIC buyer’s guide to fixed deferred annuities →
You set aside money
You place a portion of your savings into an annuity contract with an insurance company.
You choose an income plan
The contract sets out when payments can begin, how they are calculated, and which options you select.
You receive income
Depending on the contract and option chosen, payments may last for a set period or for your lifetime.
Why people consider annuities
A more predictable paycheck
Contract-defined payments can help cover regular expenses alongside Social Security and a pension.
Income that can last for life
Certain options can pay for as long as you live, helping address the risk of outliving your savings.
A start date that fits your plan
You may be able to begin payments soon or reserve them for a later stage of retirement.
Protection and family options
Some fixed contracts protect value from direct stock-market losses. Some contracts offer choices for beneficiaries.
Benefits vary by contract and the options chosen. Guarantees depend on the issuing insurer’s financial strength and claims-paying ability. Withdrawal limits, surrender charges, fees, and taxes can affect what you receive. An annuity inside an IRA or other tax-deferred retirement account does not add another layer of tax deferral.
How we can help
- Review an existing annuity’s income options, fees, and surrender terms.
- Discuss new annuity options in the context of your retirement income needs.
- Understand access to your money and the conditions behind contract guarantees.
Request a free retirement income review
Discuss your income needs and any annuity you already own. We will contact you to arrange a time with a consultant.
What to have handy
- Your current annuity statement and contract, if applicable.
- An estimate of monthly expenses and other retirement income.
- Questions about withdrawals, beneficiaries, and timing.
You do not need to upload documents to request a consultation. Keep account numbers and sensitive documents out of the website contact form.
Questions to consider
How much income do you need, when will you need access to the money, and what fees or surrender charges apply? Guarantees depend on the issuing insurer and contract terms.
We start with your circumstances. A calculator or general example cannot determine which product or strategy is appropriate for you.
Explore reliable resources
Read our retirement learning library →
See how annuities work and their potential benefits →
Use our free planning calculators →
Investor.gov financial education
Related services: Retirement income · Federal retirement · TSP education
What happens in your consultation?
Your request is for a free 30-minute consultation. We will confirm the time and assign an available consultant. Share what you want to accomplish, ask questions, and discuss appropriate next steps. Mention your service interest in your request.