Annuity Advisors

Local Annuity Advisors and Financial Planners

Our experienced annuity advisors offer various annuity options catering to diverse financial goals. We are here to help you determine the best way to choose an annuity in Arizona, Nevada, and beyond.

When you enter into an annuity contract with an insurance company, you can transform a lump sum of cash into regular payments. You can hold IRA, Roth, and non-qualified funds in an annuity.

For instance, a Single Premium Immediate Annuity (SPIA) involves providing a lump sum in return for guaranteed payments. 

There are also Multi-Year Guarantee Annuities (MYGA), which guarantee a specific interest rate over time. The basic concept is similar to a certificate of deposit (CD).

Annuities offer a secure source of income, and they are financial tools for diversification. 

Annuity payments can be made for a predetermined duration or the entirety of your life. Let our annuity advisors help you navigate the complexities of annuity contracts so you get a solution for your financial situation. There are different types of annuities to consider:

• Fixed Annuities: These guarantee you a fixed interest rate for a specific period of time.
• Variable Annuities: These allow you to invest in the market with potentially high returns — but much greater risk.
• Fixed Index Annuities: These annuities give you a balance between risk and reward. They’re based on how a market index performs. However, your principal is normally protected. However, returns can be limited as well.

These annuities are subclassed into immediate annuities when payments start after a lump sum deposit, or a deferred annuity, where you defer the payments before annuitization. With a deferred annuity, you can delay payouts until later, which often leads to a higher accumulation of funds before distribution starts. 

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Get an Informed Opinion from our Annuity Advisors

Our annuity advisors concentrate on accumulating funds in your annuity. By carefully choosing the appropriate type of annuity that aligns with your requirements, you have the potential to steadily increase your investment over time, thus providing a stronger financial cushion for the future.

Income is what you take from an annuity, but interest is how much more you make.

One way to achieve this is by removing extra fees that make annuity products expensive. For instance, variable annuities in Phoenix, Arizona, can be expensive because of the additional 2-4% in fees. Why waste your money on administrative, rider, or mortality fees?

Income riders on products have become a subject of concern and criticism because they are expensive and seem misleading in nature. These riders often offer enticing bonuses, which may be credited to the account or income value.

Annuities aren’t what they used to be — they are much more competitive now. Our annuity advisors can help you select the best guaranteed annuity rates or if an annuity is right for you. A digital self-service tool like Fidelity’s annuity calculator can only offer so much help. You need an annuity advisor who can cater to your needs.

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Talk to Our Annuity Advisors: Why a Second Opinion Matters

Get a second opinion from our experienced annuity advisors to craft a tailored annuity strategy that aligns perfectly with your life's vision. Get a second opinion if you’re offered a Phoenix variable annuity or an expensive annuity. 

We know how to get you the best Fidelity annuity rates or best fixed index annuity rates for your needs. Don't take any chances — avoid regrets. Seek knowledgeable advice from our annuity advisors. Phoenix annuities don’t have to be expensive. 

We are product agnostic when it comes to annuities. That means we focus on finding the best annuity products to help our clients. We know our way around different annuities like Vanguard annuities, Allianz annuities, and Fidelity annuities. 

In fact, our President, Stewart Willis, is on the design committee for new product development for Allianz.

While we work with many top companies like:

• North American Company 
• F&G Power Accumulator
• Allianz Accumulation Advantage

Rest assured, our annuity advisors will support you throughout the annuity process. We will provide guidance and assistance at every step along the way.