Fixed annuities, indexed annuities, and MYGAs from a Florida-licensed independent agent. Strategy session — no obligation. We talk about your goals first, then which products fit.
Plain English, no pressure, multiple carriers — and I actually answer the phone.
Most fixed and indexed annuities can't lose value due to market drops. Useful as a portion of retirement strategy.
Many products offer guaranteed income riders — a paycheck you can't outlive.
Earnings grow tax-deferred until withdrawal. Useful complement to maxed-out 401(k)/IRA.
First conversation is education. We talk about your goals, time horizon, and other accounts before discussing any product.
Three steps. I do the research, you make the decision.
30-min call. I learn your retirement timeline, other income sources, risk tolerance, and goals. No products discussed yet.
Based on what you told me, I bring you 1–3 product options that actually fit. Or I tell you annuities aren't right for you and recommend something else.
If a product fits, I walk you through it in plain English, you decide, I help with the application. No pressure, no urgency tactics.
Takes 30 seconds. Opens your email — review and send. I'll reach out same day.
An insurance contract where you give the carrier a lump sum (or series of payments), and they give you future payments — either for a fixed period or for life. Used to lock in income or protect principal in retirement.
Fixed = set interest rate, no market exposure. Indexed = returns linked to a market index with a floor (can't lose principal). Variable = invested in subaccounts, full market exposure including downside. I focus on fixed and indexed for most clients.
Sometimes yes, sometimes no. They make sense for: protecting principal, locking in lifetime income, tax-deferred growth after maxing other accounts. They don't make sense for: emergency funds, money you'll need within 5–7 years, growth-only goals where you can stomach market risk.
Depends on the product. Fixed annuities and MYGAs have low or no explicit fees. Indexed annuities have caps and participation rates that effectively price the product. Variable annuities have explicit M&E and rider fees. I'll show you the actual cost for any product I recommend.
Most annuities have a surrender period (typically 5–10 years) where withdrawing more than ~10% per year incurs a penalty. Important to know your liquidity needs before committing — annuities are not emergency funds.