Outliving your money is one of the greatest retirement risks. We specialize in building guaranteed income streams — using annuities and proven strategies — so you can retire with confidence, not anxiety.
A 401(k) grows your wealth during your working years — but it doesn't tell you how to turn that pile of money into a reliable monthly paycheck that lasts 20–30 years. That's a completely different challenge, and most people have no plan for it.
The risk is real: if you withdraw too much too soon, or the market crashes early in your retirement, you could run out of money in your 80s — when you need it most.
⚠️ Sequence of Returns Risk: A market downturn in the first 5 years of retirement — even a temporary one — can permanently reduce how long your money lasts. Unlike during your working years, you can't "wait out" a bad market when you're withdrawing every month.
Annuities have a bad reputation because they've often been sold wrong. The right annuity, structured correctly, is one of the most powerful retirement income tools available.
Earn a guaranteed, fixed interest rate for a set period. Similar to a CD but with tax-deferred growth and often higher rates. Simple, safe, and predictable.
Growth linked to a market index (like the S&P 500) with a guaranteed 0% floor — you never lose principal due to market drops. Upside participation with downside protection.
Like a fixed annuity but with a guaranteed rate locked in for multiple years (3, 5, 7, or 10). Often offers higher rates than traditional CDs with the same safety.
Fixed and fixed index annuities are backed by the insurance company's general account and are not subject to stock market losses. They are regulated by state insurance departments. We only recommend financially strong, A-rated carriers.
Most annuities include a death benefit that passes the remaining value to your named beneficiaries — avoiding probate. Many also include enhanced death benefit riders for additional protection.
Yes. Most annuities allow penalty-free withdrawals of 10% per year during the surrender period. Many also include waivers for nursing home confinement, terminal illness, or other hardship situations.
No — and that's the key benefit. Your money is not invested in the market directly. Instead, your growth is credited based on a market index's performance, with a guaranteed floor of 0%. You participate in gains without exposure to losses.
The ideal window is 5–15 years before your target retirement date. This gives you enough time to let protected growth strategies compound and lock in favorable terms. The longer you wait, the fewer options you have.