Annuities, in plain English —before someone tries to sell you one.
Free guides, free calculators, and straight answers about how annuities actually work. No sign-ups to read anything. No pressure to buy anything. Just the parts most agents skip because they're boring or awkward.
Six annuity types. Each one solves a different problem.
“Annuity” is really six different products wearing the same name tag. Here's the short version of each — what it does, who it's for, and when to walk away.
FIAs for Accumulation
Capture a portion of market gains with zero downside risk. No annual fees.
FIAs with Income Riders
Market-linked growth plus a guaranteed lifetime income option you control.
MYGAs
Guaranteed fixed rate for a set term — like a CD, but with tax-deferred growth.
Immediate Annuities (SPIAs)
Convert a lump sum into the highest possible income — starting right away.
Deferred Income (DIAs)
Lock in future income at today's favorable rates.
QLACs
Longevity insurance that also reduces your RMDs.
A few guides that answer most of the questions.
MYGAs (Multi-Year Guaranteed Annuities): The CD Alternative That Grows Tax-Deferred
Multi-Year Guaranteed Annuities offer fixed interest rates with tax-deferred growth. Learn how MYGAs work, how they compare to CDs, and who they're best for.
FIAs for Accumulation: Market-Linked Growth Without Market Risk
How to use fixed index annuities for tax-deferred accumulation — index linking mechanics, caps, participation rates, crediting methods, proprietary indices, and building a growth-focused FIA strategy.
What Is an Annuity? The Complete Beginner's Guide
Everything you need to know about annuities — what they are, how they work, the different types, who they're best for, and the common misconceptions that trip people up.
Have a question about your situation?
Send a note and we'll get back to you. No pressure, no pitch.