Annuities and insurance
Annuities and insurance, explained plainly.
Some people need a guaranteed income or protection that only insurance can give. Many don’t. I help you tell which you are, and I’m open about how I’m paid.
Questions people bring me
- Should part of my savings be guaranteed?
- What does this annuity really cost me?
- Can I get my money out if I need it?
- Do I still need life insurance at my age?
How I help
An annuity or insurance policy is a tool, not a plan. We start with your plan. If a guaranteed income, long-term care protection or life insurance would fill a real gap, I’ll show you the options and walk through how each one works.
Before you decide, you’ll know what it costs, what you give up (such as access to your money for a period of time), what is guaranteed and by whom, and how I’m paid.
How I’m paid on these
If you buy an annuity or insurance policy through me, the insurance company pays me a commission. When that happens, I often waive my hourly planning fee. I see no point in being paid twice for the same work. How I’m paid
Already own an annuity?
Bring the paperwork. We’ll read it together so you understand what you have, what it costs, and what your choices are. That’s part of a second opinion.
Common questions
Are annuities good or bad?
Neither. There are different types of annuities: income annuities and growth annuities, for example. Some fit some people well, and others do not. It depends on your income needs, your other savings, how long you may need the money to last, and the costs and limits of the specific product.
Will you pressure me to buy one?
No. Most of my work is planning. If a product would help, I’ll show you why; if it wouldn’t, I’ll tell you that too.
What does it cost to get a review of the annuity I already have?
The first conversation is complimentary, so consider bringing this question to the first conversation. After that, planning work is billed by the hour.
Other ways I can help
Retirement income
How your savings, pensions and benefits can become a steady monthly income.
Learn moreSocial Security timing
When to claim, and how that choice fits with the rest of your income.
Learn moreInvestments and risk
A mix that matches how much up and down you can live with.
Learn moreBudget and cash flow
Where the money comes from, where it goes, and what you’d like to change.
Learn more
Complimentary checklist
13 questions to answer before you retire
Social Security timing, pensions, which accounts to draw from first, health costs and who handles things if you can’t. The questions Jay would want you to have thought through, in plain words.
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Ready to turn over a new leaf?
Start with a conversation. It’s complimentary, it’s unhurried, and you’ll leave knowing whether a plan makes sense for you.
CFP® professional · No account minimum · Fees explained before you decide