Annuities
Guaranteed Income, Used the Right Way
Annuities can be powerful when used correctly but expensive mistakes when they’re not.
My job is to help you understand when annuities make sense, when they don’t, and how they fit into a bigger retirement plan without sales pressure or confusion.
What an Annuity Is (Plain English)
An annuity is a contract with an insurance company designed to:
Provide guaranteed income
Protect part of your money from market swings
Create an income floor alongside Social Security or a pension
They are not investments and shouldn’t replace low-cost index investing for long-term growth.
When Annuities Can Make Sense
Annuities may be appropriate if you:
Are near or in retirement
Want predictable, guaranteed income
Value stability over maximum growth
Need to cover essential expenses (housing, food, utilities)
Want protection from outliving your money
They’re often best used for income you can’t afford to lose.
When Annuities Usually Don’t Make Sense
Early accumulation years
When growth is the main goal
If flexibility and liquidity are critical
When fees and complexity outweigh benefits
If it’s not a fit, I’ll tell you that upfront.
Types of Annuities I Commonly Discuss
Fixed Annuities
Guaranteed interest
Principal protection
Simple structure
Income Annuities
Turn a lump sum into lifetime income
Helpful for retirement income planning
Works well alongside Social Security
I generally avoid unnecessary complexity and focus on simple, understandable designs.
How I Help (My Philosophy)
Education before implementation
Plain-English explanations
Compare multiple carriers
No one-size-fits-all recommendations
Income planning that works with your investments, not against them
I work with Crump, which gives access to multiple highly rated insurance companies—so recommendations are based on fit, not allegiance.
Common Annuity Mistakes I Help People Avoid
Locking up too much money
Buying income too early
Overpaying for riders they don’t need
Replacing solid investments unnecessarily
Being sold instead of educated
Do You Have to Buy an Annuity to Work With Me?
No.
Coaching and education always come first. If an annuity fits your plan and goals, I can help implement it. If not, you still gain clarity and confidence.
How I’m Paid (Transparency)
If you choose to purchase an annuity, I’m compensated by the insurance carrier.
There is no additional cost to you, and recommendations are made based on suitability for you not commissions.
Want to Talk It Through?
If you’re curious about guaranteed income, retirement stability, or whether an annuity belongs in your plan, let’s have a simple conversation.