The Straight Truth About Annuities. No Sales Pitch. No Pressure.
Find out in 60 seconds if an annuity belongs in your retirement plan. Answer five simple questions and get a personalized next step.
Free. Takes about a minute. No obligation of any kind.
Most annuity information online is either a sales pitch or a hit piece. This is neither.
Independent Advice
We are not captive to any one insurance company. We shop the market and are required to recommend what is right for you, not what pays the most.
Former CPA On Staff
Annuities have real tax consequences. Ray Brandt spent his career as a CPA and retired his CPA license in 2025 to focus on insurance planning full time, so tax planning is built into every recommendation.
No Call Centers
When you book a call, you talk to Eric or Ray. Not a junior rep, not an offshore call center, not a lead broker who sells your number.
Is an annuity right for you? Five questions tell us a lot.
The quiz asks about your age, savings, retirement timeline, biggest concern, and past experience with annuities. Based on your answers, we point you to the right next step: a call with Eric, a call with Ray, or our free educational webinar.
Annuities are not right for everyone. If they are not right for you, we will tell you that too.
Start The QuizThe five questions
- How old are you?
- How much do you have saved for retirement?
- When do you plan to retire?
- What is your biggest retirement concern?
- Have you ever owned an annuity?
Everything about annuities, explained like a neighbor would explain it.
What is an annuity?
A plain language explanation of what these contracts actually are, who they help, and who should skip them.
Read the guideTypes of annuities
Fixed, fixed indexed, MYGA, SPIA, and variable. They are not all the same, and the differences matter a lot.
Read the guideMyths vs facts
You lose your money when you die. Agents only push them for commissions. We take on the top myths one by one.
Read the guideThe Truth About Annuities
A 45-minute, no-pressure walkthrough of how fixed indexed annuities actually work. What the caps and participation rates mean, what an income rider does, what surrender charges really are, and who should never buy one.
Register To Watch FreeAlready been shown an annuity?
Before you sign anything, let a former CPA and an independent advisor review it for free. We will tell you in plain language what it does, what it costs, and whether something better exists for your situation.
In their words
"They explained in 30 minutes what three other advisors could not explain in three meetings. No pressure at any point."
Client, South Carolina
"Ray caught a tax issue in an annuity another agent was pushing on me. That one call saved me from a mistake."
Client, Florida
"Eric told me an annuity was not right for my situation. That honesty is why I trust them."
Client, North Carolina
Testimonials are from current clients. No compensation was provided. Individual experiences vary and may not be representative of all clients.
Sixty seconds. Five questions. A clear next step.
The quiz is free, private, and there is no obligation. Find out whether an annuity deserves a place in your retirement plan.
Take The Free Quiz