Get an Honest Second Opinion on Your Annuity

A fee-only, no-commission analysis of what you own, what it's costing you, and whether there's something better.

Why This Is Different

Most "Free Reviews" Are Sales Pitches. This Isn't.

Here's the thing most people don't realize: when an advisor offers to review your annuity for free, they're almost always looking to sell you a replacement. That's how they get paid. The review isn't really free -- it's a sales call in disguise.

Tracy charges $1,000 for this review because his only incentive is giving you the truth. If your annuity is working fine, he'll tell you that. If there's a problem, he'll explain exactly what it is and what your options are. No games.

Fee-Only

No commissions, no kickbacks, no hidden incentives

Unbiased

We tell you if your current annuity is fine

Written Report

Detailed analysis you keep forever

Plain English

No jargon, no fine print confusion

Side-by-Side

Your current annuity vs alternatives

Your Decision

We recommend, you decide. No pressure.

Comprehensive Analysis

What We Review

We dig into every part of your annuity contract so you know exactly where you stand.

Contract Terms

Your surrender schedule, contract length, and what happens if you need to make changes or access your money early.

Fees and Charges

M&E costs, rider charges, admin fees -- all the things that quietly eat into your returns. We show you the real number.

Growth Potential

How your money is credited, what indices you're linked to, and whether your crediting method is actually competitive.

Income Rider Benefits

Your guaranteed income base, rollup rates, payout percentages, and whether your rider is actually worth what you're paying for it.

Beneficiary Provisions

What happens to your money when you're gone. Death benefit options, spousal continuation, and how your heirs are protected.

Overall Fit

How your annuity fits into your bigger retirement picture -- Social Security timing, other assets, and your income needs.

Sound Familiar?
You're not alone
Is This Right for You?

Who This Is For

This review makes sense if any of these sound like your situation:

You own an annuity and aren't sure if it's the right one
You've been told to surrender your annuity for a new one
You're not getting straight answers from your current advisor
You want a second opinion before making a big decision
Simple Process

How It Works

Four straightforward steps. No runaround, no surprises.

Free Intro Call

30 minutes to understand your situation, your concerns, and whether this review is the right fit for you.

Send Your Documents

Your annuity contract and recent statements. We'll tell you exactly what we need -- nothing more.

We Analyze Everything

A thorough, comprehensive written review of your annuity. Fees, growth, income, beneficiaries -- all of it.

Review Together

We walk through every finding with you, answer your questions, and make sure you understand your options.

Your Deliverables

What You Receive

A complete, written analysis that belongs to you -- not a verbal summary you'll forget next week.

Comprehensive Written Analysis

10-15 pages covering every aspect of your annuity

Fee Breakdown and Comparison

What you're paying now vs what's available in today's market

Growth Projection Scenarios

Where your money could be in 5, 10, and 15 years under different conditions

Income Rider Analysis

If applicable -- your guaranteed income base, payout rates, and what it all means

Clear Recommendation with Reasoning

Not just what we think -- why we think it, with the numbers to back it up

30-Minute Review Call

Walk through findings together so you fully understand your situation

Common Questions

Frequently Asked Questions

The Strategic Annuity Review is a one-time fee of $1,000. That covers the full written analysis, the comparison work, and the review call where we walk through everything together. No hidden costs, no follow-up charges.
Because "free" reviews aren't really free -- they're funded by the commission the advisor earns if they convince you to switch products. Charging a flat fee eliminates that conflict of interest entirely. You're paying for an honest opinion, not a sales pitch.
We'll tell you that. It happens more often than you'd think. If your annuity is doing what it should and the fees are reasonable, the best advice might be to keep what you have. That's worth knowing, and you'll have it in writing.
Typically 7-10 business days after we receive your documents. We take the time to do this right -- no rushed, cookie-cutter reports. You'll get a thorough, personalized analysis.
Yes, but that's a separate conversation from the review itself. The review is purely analytical -- we tell you what we find. If changes make sense and you want our help implementing them, we can absolutely do that. But there's zero pressure to do so.

Ready for Clarity?

The intro call is free and takes about 30 minutes. We'll learn about your situation, answer your questions, and figure out together if this review makes sense for you.

Schedule Your Free Intro Call
No cost for the initial conversation. No obligation to proceed.