Annuities & Retirement Plans

Annuities can turn a portion of your savings into a dependable paycheck you cannot outlive, while protecting you from market swings. We use a simple, education‑first approach so you understand exactly how they work before you decide.

Through our Fixed Annuity Consulting, we explain how fixed annuities can provide secure, predictable income, often with guarantees you will not find in regular investments. If you already own contracts, our Annuity Contract Review goes line by line, translating the fine print into plain English so you know your fees, guarantees, and options.

From there, we build an Annuity Income Strategy that coordinates with your Social Security, pensions, and other accounts. Together, we decide how much income you want guaranteed, how often you want to be paid, and how to keep a cushion for emergencies. Our goal is simple: steady income, less worry, and protection for the nest egg you worked a lifetime to build.

Retirement planning is not just about a number in an account - it is about knowing your money will last as long as you do. We help you design retirement plans that grow, protect, and steadily distribute your assets in a way that feels calm and predictable.

We start with a Retirement Income Risk Assessment and Retirement Cash Flow Analysis to see where your income will come from, where the gaps are, and what risks - like inflation, market drops, or health events - could throw things off. From there, our Retirement Income Strategy Development maps out which accounts to tap first, and when.

We add Guaranteed Lifetime Income Planning when it makes sense, often using annuities to create paychecks you cannot outlive. Our Retirement Fund Protection Advice focuses on shielding key savings from big market swings, while our Social Security Income Optimization helps you choose when and how to file to get the most from your benefits. The result is a clear, written plan you and your family can understand.