The annuity marketplace
Over 1,000 different products, in one place.
Most people compare exactly one annuity — the one they happened to be shown. We shop the whole shelf: guaranteed fixed rates, indexed contracts, and lifetime income products from carriers across the country. Then we hand you the comparison in writing.
Why one quote isn't a comparison
The rate you were shown is one mark on a long line.
Every carrier prices differently, and the spread between the best and the worst offer on the same term can be wide. If you only ever see one, you have no way of knowing where it falls.
Illustrative. Actual product availability, terms, and rates vary by carrier, state, and deposit amount, and change frequently.
Rate scout
Want to see the numbers yourself?
Our live rate tool runs the current market across 100+ carriers — filter by term, state, and product type, and see where today's rates actually land. It opens in a new window and it's free to use.
Rates shown in the tool are supplied by the carriers and change frequently. Nothing there is a quote or an offer — availability depends on your state, your age, and your deposit amount.
What we shop
Four kinds of contracts, one conversation.
You don't need to know which one you want. You need to know what each one actually does — and what it costs you to get it.
Guaranteed fixed rates
A set rate, locked for a set number of years. The closest thing to a bank CD, with tax deferral and terms typically running 2 to 10 years.
Fixed indexed annuities
Interest linked to an index, with a floor of zero in a down year. Growth is capped or limited — the trade-off for not losing principal to market drops.
Lifetime income contracts
A paycheck you cannot outlive, starting now or later. Useful when you want a floor under your retirement that doesn't depend on how markets behave.
Fixed & immediate
Straightforward declared-rate contracts and single-premium immediate annuities, for money that needs to be simple and predictable.
Rollover reviews
Left a job? That old plan is still sitting there.
Old employer plans keep charging fees and running on menus nobody has looked at in years. We'll show you what it's doing now and what your options actually are — including leaving it exactly where it is.
How it works
Three steps, and you can stop at any of them.
No report gets emailed into a void. We do the work for people who show up, and we do it with you.
Pick a time
Grab a slot on the calendar. Twenty to thirty minutes, by video or phone, whichever you prefer.
We shop before we meet
You tell us what you have when you book. We run it against the products available in your state ahead of the call, so nothing gets wasted.
We go through it together
Side by side on screen — the guarantees, the limitations, the fine print. You ask questions in real time instead of squinting at a PDF alone.
Complimentary services
Things we'll look at for free, whether you buy anything or not.
In-service 403(b) exchanges
Move money inside your plan without leaving your job, where your plan allows it.
Annuity exchanges (1035)
Whether a tax-free exchange makes sense — and when it plainly doesn't.
Interest rate reviews
What your current contract is crediting versus what the same money could get today.
On-demand carrier access
Current availability across the carriers we're appointed with, without a sales call attached.
Beneficiary reviews
Who's actually listed on your contracts right now. This one surprises people.
RMD reviews
What you're required to take, when it starts, and how to keep it from wrecking your tax year.
Find out what else is out there.
One short meeting, no cost, and no obligation to do anything with what you learn.