Ask us anything.

A contract with an insurance company. You hand over a sum of money. They send you income, often every month for life. Think of it as buying yourself a pension.

No. We look at covering only the gap between your must-pay bills and the income you already have coming. The rest stays where it is.

Then you cover part of it. A smaller paycheck still takes pressure off your savings. Waiting to claim Social Security, working a little longer or trimming the must-pay list can close the rest. We walk through each one with you.

Filling in your check and the call are free. If you buy an annuity, the insurance company pays the licensed professional a commission. That cost is built into the product, so compare more than one offer.

It depends on the type. Many charge a fee if you take out more than a set amount in the first several years, often 5 to 10. Income annuities that have started paying usually cannot be cashed in. The details are in each contract.

That is why we only look at money meant for bills, and why you need an emergency fund first.

The guarantee comes from the insurance company, not a bank or the government. Annuities are not FDIC insured. So the strength of the company matters, and it is one of the first things to compare.

You can choose options that keep paying a spouse or return the unpaid balance to your family. They lower the monthly amount a little. We show you both ways.

A fixed paycheck buys less over time. Social Security rises with the cost of living, and the savings you keep can grow to top up your income later.

From published quotes for lifetime income annuities, ages 60 to 70, as of October 2026: roughly $640 to $770 a month for every $100,000. We use the cautious end. They are estimates, not quotes. Your real number depends on your age, the insurer and the day you buy.

No. We are based in Arizona and work with people in states where our professionals are licensed. Tell us where you live and we will tell you straight.