Offering Annuity Education and Connecting You with Trusted Local Advisors

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About Us

Welcome To Personalized Annuity

Welcome to Personalized Annuity — where your financial confidence is our priority. We provide personalized annuity education and connect you with trusted local advisors, giving you the knowledge and guidance you need to make informed decisions. Our goal is to simplify the process and help you secure the financial future that matters most to you.

Annuity Education

Understanding your financial goals

Connecting you with trusted local advisors in your area

For Consumers

Find the Right Annuity with Confidence

We simplify annuities — from education to selection — connecting you with trusted local advisors who are fully prepared to meet your needs.

No obligation consultations

Free personalized annuity recommendations

Education-first approach to empower your decision

Local licensed advisors ready to meet with you

Industry’s top available offers

Personalized Annuity

How It Works (3-Step Process)

Learn the Basics

Our Client Concierge walks you through the annuity landscape—types, features, etc. —so you know exactly what options exist.

Personalized Recommendations

Based on your goals (income planning, legacy, growth), we highlight the products that fit your needs.

Meet a Certified Advisor

We introduce you to a top local financial professional, provide them with your interests, and book the meeting for you—no back-and-forth.

Topics We Cover

Tax Benefits: We cover the Differences between non-qualified and qualified accounts.

Annuity Needs Assessment: Analyzing your financial Situation to determine the appropriate type of annuity for you.

Beneficiary Designation: Discussing your wishes regarding the designation of beneficiaries and ensuring that your policy aligns with your estate planning goals.

Annuity Options and Riders: Exploring different types of annuities, such as Fixed Index Annuities, and discussing any additional riders.

Frequently Asked Questions

What are annuities, and how do they work?

An annuity is a financial product designed to help you accumulate savings for retirement or generate a steady stream of income during retirement. It’s typically offered by insurance companies and can provide guaranteed income, tax-deferred growth, and protection against market volatility depending on the type of annuity you select.

How do annuities work?

Annuities allow you to make a lump sum payment or series of payments to an insurance company. In return, the insurer agrees to make periodic payments to you either immediately or at some point in the future. The specific features, growth potential, and payout options depend on the type of annuity you choose.

What types of annuities are available?

There are several types of annuities, including:

Fixed Indexed Annuities:

Provide growth based on market index performance, with downside protection.

Fixed Annuities:

Offer guaranteed interest rates and predictable payments.

Variable Annuities:

Allow investment in market funds with potential for higher growth, but greater risk.

Immediate Annuities:

Begin payments shortly after you invest.

Deferred Annuities:

Begin payments at a future date.

Your advisor will help you select the option best suited to your retirement goals.

What are the fees or costs associated with annuities?

Fees vary depending on the annuity type and features selected. Some annuities have no fees, while others may include management fees, rider costs, surrender charges, or mortality expenses. Your advisor will fully disclose and explain any applicable fees before you make a decision.