About Us

Licensed professionals. No call center. No pressure.

Annuity Education Resource is run by an independent insurance practice based in South Carolina. Every call booked through this site goes directly to a licensed member of our team. Here is who we are and how we work.

Decades Of Combined Experience

Our team brings decades of combined experience in financial services, from major national firms to independent practice. We have seen what works in retirement income planning and what quietly goes wrong, and we bring all of it to every conversation.

A Retired CPA On The Team

Most annuity problems we see are really tax problems in disguise. Our team includes a retired CPA, so every recommendation and every second opinion is reviewed for what it does to your tax picture, your required distributions, and your estate, not just what it pays.

Direct And Plain Spoken

We specialize in turning savings into a dependable paycheck that lasts. We will explain any product in plain language, tell you how we are paid, and tell you clearly if an annuity does not fit your plan.

What we help with

Retirement income planning and fixed indexed annuity selection
Tax questions, 401k rollovers, and inherited IRAs
Free second opinions on annuities you have already been shown
Overall retirement strategy

Book Your Free Review

Why Independent Matters

Captive agents sell products. Independent professionals shop for you.

A captive agent works for one insurance company and can only offer that company's products. Whatever your situation, the answer will come from one shelf.

We are independent. We hold appointments with many insurance companies and compare across the market. When two products track the same index, the caps, riders, and terms can differ dramatically. Independence means we can pick the contract that fits you, not the one we are required to sell.

Plain talk: Captive vs independent

A captive agent represents one company to you. An independent professional represents you to many companies.

The Best Interest Standard

What the Best Interest standard requires, in plain language

Most states have adopted the NAIC's Best Interest standard for annuity recommendations. Under it, anyone recommending an annuity must act in your best interest, not their own. In practice, that means four obligations.

Care. Know your financial situation, needs, and objectives before recommending anything.
Disclosure. Tell you how they are paid and what their role is.
Conflict of interest. Identify and avoid or manage conflicts that could bias the recommendation.
Documentation. Record the basis for the recommendation.

We welcome this standard because we were already working this way. Ask us how we are paid on any product, and you will get a direct answer. Ask why we recommended something, and you will see the reasoning in writing.

The easiest way to start

Take the 60-second quiz and we will point you to the right next step for your situation.

Take The Free Quiz