Insurance has come a long way in the last decade. In addition to traditional life insurance term and permanent policies to protect loved ones against unexpected life loss, there are new products and policies designed to help cover other types of risks in a tax-advantaged manner.

As a completely independent firm, we have access to nearly every carrier and every kind of insurance, and we compare features and premium prices so that we know we’re making recommendations based on solid numbers. We read the fine print when it comes to policy terms and conditions. So, we will do the research to help you manage risk while potentially achieving other financial objectives.

We review the many thousands of possibilities from the hundreds of carriers that we have access to as an independent financial advisor, analyzing what is most suitable and cost-efficient based on your objectives. Then we educate you so that you can make the right decisions for your family or business. So whether it’s term or permanent, whole or universal, annuity or life, we will do the research to help you manage risk while potentially achieving other financial objectives.

When you invest in something, typically you assume all the risk. Since annuities are not investments, but instead are contracts between you and an insurance carrier, one of the main risks you assume with annuities is that the payouts will be made per the terms in your contract. Certain contractual guarantees are made by any insurance company which issues an annuity, and these guarantees are subject to that company’s financial strength and claims-paying ability.

Some financial industry experts and academic leaders in the financial field, like Dr. Wade Pfau and Dr. Roger Ibbotson, have found that annuities belong in the fixed portion of some people’s retirement portfolios (depending on their individual situation) because of insurance company guarantees, and because some annuities may perform better than stock market investments for retirees.