Annuities · 401(k) / IRA Rollovers
Lock in retirement income. Stop watching the market move it.
Annuities convert a lump sum or a 401(k) / IRA balance into protected, guaranteed-income contracts. They aren't right for everyone — but for the right buyer, they remove a category of risk that nothing else can.
What we typically help with
- · Fixed indexed annuities — principal-protected growth tied to a market index, with a floor.
- · 401(k) rollovers from a former employer into an IRA-based annuity, without triggering a taxable event.
- · IRA rollovers from a brokerage IRA into an annuity for guaranteed lifetime income.
- · Income riders that turn a lump sum into a paycheck for the rest of your life.
When it makes sense
Annuities are usually right for people 5–10 years from retirement (or already there), with a 401(k) or IRA balance they can't afford to see cut in half by a bad market year. They're rarely right for younger buyers still in accumulation mode.
The tradeoffs (surrender periods, caps, fee structures) are real. We walk through the actual contract — not the marketing brochure.
Considering a rollover? Get a second opinion first.
Rolling over retirement dollars is a one-way door. We'll review what you have, what the carrier you're considering is offering, and whether the move actually improves your position — or doesn't.