Plain-English retirement money, for your 60s and beyond
Protect what you've built. Turn it into income.
Most people near retirement are worried about one of two things. Pick the one that sounds like you and get a free, 60-second check with your own numbers.
Protect what you've built
“What happens to my savings if the market crashes?”
See how exposed your nest egg is, and what protecting it would cost you in growth.
Check my protection →Turn it into income
“How much could my savings pay me every month, for life?”
See a monthly income estimate for your age and amount, with the tradeoffs up front.
Check my income →An honest word
Annuities aren't right for everyone. Here's when they aren't.
You'll hear a lot of hype about annuities, and a lot of hate. The truth is in the middle. They do two jobs well: protecting money from market drops, and turning savings into income you can't outlive. Here's when to skip them.
- You don't have an emergency fund yet. Build that first.
- You'll need most of this money in the next few years. Keep it liquid.
- Social Security and a pension already cover your essential bills.
- You're carrying high-interest debt. Paying that off usually comes first.
Common questions
Is this a sales pitch?
No. The quiz and your profile are free and educational. If your situation looks like a fit, a licensed specialist can walk you through real numbers. You never have to, and nothing is bought unless you decide it makes sense.
Who would I talk to?
A licensed insurance professional who works with retirement savings and income. They show quotes side by side and explain every tradeoff in writing.
Do annuities have fees?
Some do and some don't. Simple fixed annuities often have no annual fee. Income riders and variable annuities usually do. Almost all annuities have a surrender period, meaning taking out more than a set amount in the first several years costs you. Always ask for every fee in writing.
Are annuities safe?
Fixed and fixed indexed annuities protect your principal from market losses. The guarantees are backed by the insurance company, not the FDIC, so the company's financial strength rating matters. Most states also have a guaranty association that provides some protection if an insurer fails.
What do you do with my information?
We use it to send your profile and, if your situation looks like a fit, to have one licensed specialist reach out. We don't sell your information to lead lists. You can unsubscribe any time.