The complete foundation. What fixed annuities are, the 4 main types, and when they make sense for retirement.
Product Guides
Deep-dives into each annuity typeLock in a guaranteed rate for 2–10 years. The CD alternative with better rates and tax deferral.
Convert a lump sum into guaranteed monthly income for life. Your private pension.
Market-linked growth up to a cap with a contractual 0% floor. Never lose principal to crashes.
Pay now, get amplified income starting at 80+. Longevity insurance with RMD benefits.
Side-by-side overview of MYGA, SPIA, FIA, and DIA/QLAC to help you pick the right one.
Tax & Rollovers
How annuities are taxed and how to move money inDirect vs indirect rollovers, the 20% withholding trap, and the step-by-step process.
How to swap one annuity for another tax-free. When to use 1035s and common mistakes.
How RMDs work with annuities, and how QLACs can defer them up to age 85.
Qualified vs non-qualified, exclusion ratios, LIFO rules, and the 10% penalty explained.
Head-to-Head Comparisons
Annuities vs every other investment optionAfter-tax math showing why MYGAs typically win over 3+ year terms.
The two fundamentally different annuity types — and who each one suits.
Lifetime income: SPIA mortality credits vs bond ladder flexibility.
Tax-free vs tax-deferred growth, and when to use both together.
Every fee that could apply — and which products are truly no-fee.