Retirement

Protection is step one. Income you can't outlive is step two.

Most families I work with have a 401(k) and not much else. These are the insurance-based tools that can sit alongside it to add guarantees, tax advantages, or downside protection.

Fixed & Fixed Indexed Annuities

Contracts with an insurance carrier that can provide principal protection and a guaranteed income stream you cannot outlive. Fixed annuities lock in a set rate for a guaranteed period, while fixed indexed annuities credit interest based on a market index with a 0% floor, giving you upside potential without market losses.

IUL for Supplemental Income

Overfunded indexed universal life can build tax-deferred cash value that may be accessed through policy loans, generally income-tax-free when structured and maintained properly.

401(k) & IRA Rollovers

If you have left an employer, we can review whether rolling an old 401(k) into an IRA or annuity fits your timeline, risk tolerance, and income needs.

Questions worth answering before you buy anything

When do you want the income to start, and for how long?
How much of your savings can be illiquid for 5–10 years?
What happens to the balance if you pass away early?
What are the surrender charges, caps, participation rates, and fees?
Would a low-cost index fund get you there with less complexity?

I'll walk through every one of these with you before a single form gets signed — including when the honest answer is that you don't need what I sell.

Book a retirement review

Annuities and life insurance are long-term contracts issued by insurance carriers and are subject to surrender charges, caps, spreads, participation rates, and the claims-paying ability of the issuing carrier. Guarantees are backed solely by the issuing company. Tax treatment described here is general in nature; this page is not tax, legal, or investment advice. Please consult your own tax or legal professional about your situation.