Don’t Sign That Annuity Contract Until You Get an Independent Second Opinion.
Send us your illustration. We will audit it for hidden fees, surrender traps, and unrealistic return promises—100% free, with zero obligation.
This is a free service to you.
My National Producer Number (NPN): 15524738
Designation: CRPC® (Chartered Retirement Planning Counselor)
Did You Just Leave a “Free Steak Dinner” Seminar?
If you are reading this, you probably have a 50-page annuity illustration sitting on your kitchen table right now. The agent made it sound perfect: guaranteed income, zero market risk, and upfront bonuses.
But your gut is telling you to double-check the fine print before you lock up hundreds of thousands of dollars for the next 7 to 10 years.
Your gut is right. Captive agents and seminar salespeople often push the products that pay them the highest commissions, not the products that offer you the best growth and flexibility. Before you put pen to paper, let an independent broker look under the hood.
The 3 Things We Check During Your Free Annuity Audit
- The Hidden Fee Structure: Variable and Indexed annuities can be littered with mortality and expense (M&E) fees, administrative charges, and expensive income riders . We will calculate exactly how much this contract costs you every year.
- The Real “Surrender” Schedule: How long is your money actually locked up? We expose the exact penalties you will face if you need to access your cash for a medical emergency or life event before the contract matures.
- The Return Illusions (Caps, Spreads, & Participation Rates): Did they illustrate a 7% or 8% return? We will read the fine print to show you the carrier’s “caps” and “participation rates” so you know what your actual, realistic growth will be in a flat market.
How the Second Opinion Works (3 Simple Steps)
- Send Us the Pitch: Upload the PDF illustration the agent gave you, or simply tell us the exact name of the insurance carrier and the annuity product.
- We Do the Math: Our independent experts will tear apart the contract, analyzing the minimum renewal rates, fee structures, and commission payouts.
- The Honest Verdict: We give you a straightforward, zero-BS answer. If it’s a great product that fits your retirement goals, we will tell you to sign it. If it’s a high-fee trap, we will show you exactly why—and show you better, lower-cost alternatives.
For a starting point, compare current annuity rates across growth and income products before your review.
Why Are We Doing This for Free?
Because transparency is the only way to build trust in this industry. As independent brokers, we have access to dozens of top-rated carriers nationwide. We don’t have quotas to meet for a single-parent company. Our only goal is to make sure your retirement assets are protected, liquid, and growing efficiently.
No high-pressure sales. No jargon. Just the math.
The “Free Look” Clock is Ticking
If you haven’t signed yet, don’t. If you have already signed, you have a brief “Free Look” period (usually 10 to 30 days, depending on your state) to cancel the contract without penalty. Don’t wait until it’s too late.
Give us a call at 770-755-1565 or schedule a free consultation below