Start with the need
We define the income gap, timing, liquidity needs and time horizon before reviewing products.
Protected income
Give retirement income a job description.
Some retirement dollars may need growth. Others may need access or predictable income. We help you evaluate whether an annuity or other insurance strategy fits a clearly defined role.
Understand the tradeoffs
We compare surrender periods, access, crediting methods, fees, riders, beneficiary features and insurer strength.
Test the fit
We examine how the proposed strategy coordinates with Social Security, pensions and market-based assets.
Review over time
Retirement needs change. Regular reviews help keep account purposes and beneficiary decisions aligned.
Annuities are long-term insurance products. Guarantees are subject to contract terms and the claims-paying ability of the issuing insurer. Withdrawals may be subject to charges and tax consequences.