Annuity Consulting

Annuities can be powerful tools - or expensive mistakes - depending on how they are chosen and used. My annuity consulting service is designed to give you clear, unbiased guidance so you can decide, with confidence, whether an annuity belongs in your retirement plan and, if so, which type fits best.

I start by listening: your age, health, family situation, income needs, risk comfort, and existing savings. From there, I explain - in plain language - the pros and cons of different options: fixed, indexed, income annuities, and multi-year guaranteed contracts. You see how each one works, what it costs, and how it could support (or fail to support) your goals.

If you already own annuities, I will review your contracts line by line. We identify fees, riders, surrender charges, death benefits, and income guarantees, then discuss whether it makes sense to keep, modify, add to, or replace them. When you are considering a new purchase, I provide side-by-side comparisons so you are not relying on a single sales pitch.

My role is not to push a product, but to help you evaluate and optimize annuity strategies as part of a complete retirement income plan. By the end of the process, you understand exactly what you have, what you are considering, and how it all fits together to support predictable, long-term income.