Annuities, only where they actually fit.
Annuities are widely sold and frequently misunderstood. They aren't right for everyone — and they aren't wrong for everyone. I help you understand what you'd actually be buying, including the costs and the limits, before any decision.
At a glance
- Best for
- Pre-retirees considering guaranteed income or principal protection
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, plan administrator
Situations I see most often.
- You're considering an annuity but the brochure left you with more questions.
- You already own an annuity and want a second opinion before any 1035 exchange.
- You need guaranteed lifetime income to floor essential expenses.
- You're risk-averse and want a portion of assets sheltered from market volatility.
- You're concerned about outliving your money.
What the engagement covers.
- Plain-English explanation of fixed, fixed-indexed, and variable annuities.
- Cost decomposition (M&E, rider, surrender, fund expenses).
- Existing-annuity review and 1035 exchange analysis.
- Income-rider modeling (when payouts begin, what they're worth).
- Beneficiary and tax-treatment review.
- Independence — I'm not captive to any single carrier.
A measured approach, in clear steps.
Need clarification
Before any product, we agree on what problem we're trying to solve. If an annuity isn't the right tool, I'll say so.
Carrier comparison
Independent comparison across multiple insurance carriers, not a single-product pitch.
Full cost disclosure
Every cost — explicit and embedded — written down before signature.
Application & funding
Paperwork handled. 1035 exchange, where applicable, executed cleanly.
Annual review
Statements reviewed annually; rider activation timing planned in advance.
Where annuities fit (and where they don't).
An annuity can make sense as a piece of an income plan — flooring essential spending, transferring longevity risk, or providing principal protection in a defined sleeve of the portfolio. They're a poor fit when liquidity matters, when fees outweigh benefit, or when used as a 'safe' replacement for an entire portfolio. The decision should be specific, not general.
Plain-English answers.
Are annuities expensive?
What is a surrender charge?
Should I 1035 my existing annuity?
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Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.