Annuity Policy Review

An independent second opinion on every annuity you own.

Annuities are among the most complex financial products sold to individuals - and
among the most frequently misunderstood. I review them with deep product knowledge and your best interest as the only objective.

Why You Need an Independent Review

Annuities are often sold, not chosen. Many advisors recommend products that serve their compensation structure more than your financial goals. With years of experience working directly with carriers and products, I bring genuine expertise to every review - and my only objective is whether the product is actually right for your situation. That's often a more complicated answer than a yes or no.

What We Review

I evaluate the product structure, fee layers, surrender charges, guaranteed benefit riders, and the financial strength of the issuing insurance company. I compare what you're paying against what you're getting.

When Annuities Make Sense

I'm not categorically against annuities - there are situations where guaranteed income, downside protection, or tax deferral genuinely justify the cost. I help you understand when that's actually the case for your situation.

When They Don't

High fees, complex riders you'll never use, surrender periods that lock up liquidity, and products that create more problems than they solve. I identify these situations and model your alternatives.