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Secure your financial future with the reliability of an annuity. At Annuity Architects, we prioritize honesty and tailored guidance to help you achieve your retirement objectives.

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Annuities Are One of America's Top Growing Financial Products

And for good reason: annuities offer a unique combination of stability, flexibility, and guaranteed income that make them an unparalleled retirement product. Both fixed and indexed annuities provide a reliable solution for retirement income—one that never loses value from market volatility.

Why Work with an Annuity Architect?

Don't Let Retirement

Intimidate You

And for good reason: annuities offer a unique combination of stability, flexibility, and guaranteed income that make them an unparalleled retirement product. Both fixed and indexed annuities provide a reliable solution for retirement income—one that never loses value from market volatility.

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We Take the Guesswork Out of Retirement Options

Our annuity experts give you clear and transparent retirement guidance that just makes sense. Equipped with our personalized assistance, you can make an informed decision on what product works for you and your financial strategy.


  • In business since 1985
  • Over 100 thousand customers helped
  • Over $10 Billion of Annuity products positioned into balanced portfolios
  • Our Annuity software analyzes over 1400 annuities to find the best match for you.


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The Battle For The Best Annuities of 2023

As seen on

We Show You Why Americans Have Invested Over 3 Trillion Dollars Into Annuities…

and 15 Tips You Absolutely Must Know Before Buying. Educate Yourself.“

Download Annuity White Paper: Annuity Smarts: 15 Things Every Buyer Should Know

Annuities Are a Great Option For Investors Looking To Protect Their Assets For Retirement! The Process Is Simple And Easy.


Guaranteed Income for As Long as You Need It

Annuities are a great option for retirement planning as they can provide both a steady income for life and tax benefits, while minimizing one's exposure to market risk.

  • How do Annuities work?

    Annuities provide a reliable stream of income in retirement, helping to balance a portfolio by offering financial security that isn’t subject to market fluctuations. Unlike investments that can lose value during downturns, annuities guarantee payments for a set period or even for life, ensuring retirees don’t outlive their savings. They serve as a complement to Social Security and other retirement savings, providing stability and predictability in an uncertain economic landscape. By incorporating annuities into a retirement plan, individuals can achieve a more balanced financial strategy that protects against longevity risk and market volatility.

  • Volatility Protection

    Market volatility has further underscored the appeal of annuities. During periods of economic uncertainty, annuities provide a stable and predictable income stream, safeguarding retirees from the fluctuations that can impact other investment vehicles. This reliability makes annuities a compelling choice for those seeking financial security amidst unpredictable market conditions. ​


    Given the current landscape, it's advisable for individuals approaching retirement to explore annuity options. Consulting with a financial advisor can help determine how annuities might fit into a comprehensive retirement strategy, ensuring a balanced approach that aligns with personal financial goals and risk tolerance.

  • Reasons to buy an Annuity?

    Here are the top reasons to buy an annuity as part of a well-rounded retirement plan:

    • Guaranteed Income for Life – Annuities provide a steady income stream, ensuring you won’t outlive your savings.
    • Protection from Market Volatility – Unlike stocks and other investments, annuities offer stability, shielding your income from market downturns.
    • Tax-Deferred Growth – Earnings grow tax-deferred until withdrawal, allowing your money to compound more efficiently over time.
    • Customizable Payout Options – Choose from lump sum, periodic payments, or lifetime income to match your financial needs.
    • Legacy Planning & Beneficiary Protection – Many annuities offer death benefits, ensuring your loved ones receive a portion of your investment.
    • Inflation Protection – Some annuities offer riders that adjust for inflation, helping your purchasing power keep up with rising costs.
    • Long-Term Care Benefits – Certain annuities include provisions for covering healthcare or long-term care expenses, reducing financial strain in later years.

    Annuities serve as a powerful tool to create financial security, reduce risk, and provide peace of mind in retirement.

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Article Spotlight

By Kenneth McCreery September 25, 2024
In today's complex financial landscape, navigating your way to financial well-being can feel overwhelming. The good news? You don’t have to do it alone! At Fintopia Financial Partners, we believe in the transformative power of having all your financial services under one roof, and we are here to guide you on your journey to financial utopia. Architects of Financial Utopia Imagine a team of exceptional minds and dedicated professionals working in harmony to shape the core of your financial future. That’s exactly what you’ll find at Fintopia. Our united commitment to guiding you toward prosperity is rooted in a shared vision of sculpting a financial utopia tailored to your unique needs. When you choose Fintopia, you gain access to a diverse team of experts who bring a wealth of knowledge, creativity, and unwavering dedication to the table. Whether it’s retirement planning, investment management, tax strategies, or estate planning, we have specialists ready to craft a comprehensive strategy that aligns with your goals. The Benefits of One-Stop Financial Services 1. Holistic Financial Planning Having all your financial services in one place allows for a more integrated approach to financial planning. Our professionals work collaboratively, ensuring that every aspect of your financial life is aligned. This holistic approach leads to better decision-making and a cohesive strategy that reflects your aspirations. 2. Streamlined Communication When your financial services are fragmented across different providers, important information can fall through the cracks. With Fintopia, all your financial advisors are just a conversation away. You’ll enjoy streamlined communication and the peace of mind that comes from knowing everyone is on the same page, working toward your financial success. 3. Customized Strategies Every individual and family has unique financial goals and circumstances. At Fintopia, we take the time to understand your specific situation, crafting customized strategies that reflect your dreams and values. Our diverse team collaborates to weave a tapestry of financial success that addresses your needs, ensuring no detail is overlooked. 4. Enhanced Accountability When you have a team of dedicated professionals managing your financial services, you benefit from enhanced accountability. Our experts are committed to monitoring your progress and making necessary adjustments along the way, keeping you on track to achieve your financial goals. 5. More Time for You By consolidating your financial services under one roof, you free up valuable time and energy that can be better spent on what truly matters—enjoying life. Let us handle the intricacies of your financial planning while you focus on your passions, family, and experiences that bring you joy. Join Us on the Journey At Fintopia Financial Partners, we are passionate about turning your financial dreams into reality. Our exceptional team is dedicated to guiding you every step of the way as we embark on this journey together. Ready to experience the power of having all your financial services under one roof? Visit us at www.fintopiafp.com to learn more about how we can help you sculpt your financial utopia. Together, let’s weave a tapestry of financial success and create a fulfilling, stress-free financial existence that empowers you to live your best life. Welcome to Fintopia, where your financial future begins!
By Mike Dressander September 20, 2021
By Steven R. DeJohn If you purchased an annuity 5, 10, or even 15 years ago, you might be wondering whether it’s still the best financial vehicle for your needs. Over time, financial goals evolve, market conditions change, and new strategies emerge that may offer better growth potential, tax advantages, or estate planning benefits. This is where Annuity Maximization Planning comes into play. What Is Annuity Maximization Planning? Annuity Maximization Planning is a strategy designed to help annuity owners evaluate their existing contracts and determine if they are still the best fit for their financial objectives. It involves reviewing your current annuity’s performance, fees, tax implications, and potential alternatives that could provide greater benefits. The goal is to ensure that your annuity is aligned with your retirement, legacy, and income goals. Why Might Your Annuity No Longer Be the Best Option? Outdated Features – Many older annuities lack the competitive benefits that newer products offer, such as better interest rates, lower fees, enhanced death benefits, or additional income riders. According to a 2023 report from LIMRA, annuity sales have evolved significantly, with new options offering improved flexibility and financial security. Changing Income Needs – If your financial situation has changed, your annuity may no longer provide the flexibility or income stream you need. The American College of Financial Services suggests that retirees should reassess their annuity income strategy every 5-10 years to ensure it aligns with their spending habits and longevity expectations. Tax Efficiency Concerns – Some annuities may not be structured in the most tax-efficient way for your retirement or estate planning strategy. A study from the National Bureau of Economic Research (NBER) highlights that tax implications can significantly impact long-term retirement wealth, emphasizing the importance of tax-efficient withdrawals. High Fees and Expenses – Older annuities often come with high fees that can erode your returns over time. According to Morningstar, some annuities have annual fees ranging from 2% to 3%, which can dramatically reduce the overall growth of your investment compared to lower-cost options. Legacy and Estate Planning Goals – If leaving a financial legacy to your heirs is important, there may be better options that provide tax-efficient wealth transfer strategies. The Secure Act of 2019 changed the rules for inherited IRAs and annuities, making it crucial to review estate planning strategies with a financial advisor. What Are Your Options for Maximizing Your Annuity? 1035 Exchange – A tax-free exchange that allows you to move funds from one annuity to another with better terms, lower fees, or improved benefits. The IRS allows these exchanges under Section 1035 of the tax code, helping investors avoid unnecessary tax consequences while upgrading their annuity. Annuity Laddering – Spreading funds across multiple annuities with different maturity dates to balance liquidity and growth potential. Financial planners recommend laddering strategies to diversify risk and improve access to funds when needed. Leveraging Life Insurance – Some annuity holders use annuity funds to purchase life insurance policies, which may offer better tax benefits and a larger legacy for heirs. The Society of Actuaries suggests that life insurance can provide more favorable wealth transfer outcomes than certain annuities, depending on an individual’s health and financial situation. Reallocating to Other Investments – If your annuity no longer aligns with your risk tolerance or growth goals, you may explore reallocating funds to other investments with better potential, such as index funds or dividend-paying stocks. A 2022 Vanguard study found that balanced investment portfolios often outperform annuities in terms of long-term returns, but they come with market risks that should be carefully evaluated. Should You Consider Annuity Maximization Planning? If you have an existing annuity and are unsure whether it’s still the best option, a professional review can help you make an informed decision. By assessing your annuity’s features, costs, and performance in relation to newer options, you can ensure your money is working as efficiently as possible for your future. Get a Professional Annuity Review An annuity should be a powerful tool in your financial portfolio, not a financial burden. If you're unsure whether your annuity is optimized for your needs, now is the time to explore your options. Contact a financial professional to review your existing annuity and discuss strategies to maximize its potential. Don’t settle for an outdated financial plan—take control of your retirement and legacy today! References: LIMRA. (2023). "Trends in Annuity Sales and Product Innovation." The American College of Financial Services. (2022). "Retirement Income Planning Strategies." National Bureau of Economic Research (NBER). (2021). "Tax-Efficient Retirement Withdrawal Strategies." Morningstar. (2023). "Understanding Annuity Fees and Their Impact on Returns." The Secure Act of 2019: IRS Regulations and Estate Planning Considerations. Society of Actuaries. (2022). "Life Insurance vs. Annuities for Legacy Planning." Vanguard. (2022). "Comparing Investment Strategies for Retirement Income."
By Kenneth McCreery August 25, 2021
You likely have life insurance. You know that your family will be okay should your life end prematurely. But what if you become disabled? There’s a good chance that you don’t have sufficient resources or insurance to replace lost income if you find yourself unable to work. Most Americans fail to consider the ramifications of short or long-term disability. If you’re self-employed, the likelihood that you have sufficient disability protection is even less. Disability insurance is pricey, yet imperative, unless you have the financial resources to survive without an income for an extended period of time. Avoid financial disaster by preparing yourself for the possibility of disability: 1. An emergency fund offers short-term protection against income loss. An emergency fund isn’t just for replacing a broken refrigerator or paying the bills after the loss of a job. Your emergency fund can replace wages lost due to disability. Unless your emergency fund is substantial, it will be insufficient if you’re disabled in the long-term. 2. A few states have disability programs. If you’re lucky enough to live in Rhode Island, California, New York, New Jersey, or Hawaii, you might be already covered for short-term disability. 3. Social Security can provide disability assistance. However, the definition of disabled isn’t easily met. Your disability must be expected to last for at least 12 months or likely to result in death. You must be unable to do your current job and unable to adjust to other employment. • Roughly only 30% of applicants are approved. The monthly payment is based on a percentage of your usual pay. Only around $1,200 each month is the average amount. 4. Your employer may offer disability insurance. The limits of group disability insurance plans are normally up to 60% of your salary or $5,000 per month, whichever is less. If you’re used to going through life with a $150,000 salary, a few changes might be in order if you ever have to use your disability insurance. 5. Purchase your own disability policy. Disability insurance is expensive to acquire on your own, but there are many options available. Keep in mind that there is a waiting period, typically 90 days before the policy goes into effect. • Pay attention to the definition of “disabled.” It might mean you’re unable to work at your current job. It might mean that you’re unable to work any job. The cost of the policy is largely dependent on the definition of “disabled.” • The benefits period can vary. It might end at a certain age, or only be in effect for a set number of years. • The elimination period is the amount of time after your disability before the policy begins to pay. • The monthly benefit amount can be chosen. You might need more or less than someone else. • While life insurance costs around 25 cents per $1,000 of coverage, disability insurance is around $20 per $1,000 of coverage. That’s 80 times more expensive! However, if you’re under 65, you’re much more likely to become disabled for at least 90 days than you are to die. 6. Worker’s compensation. If you’re injured at your place of employment and unable to work, you’re covered under workers’ compensation. However, you’re three times more likely to receive an injury outside of work that limits your ability to work. You don’t receive workers’ compensation if that happens. Review your financial situation and decide if you’re adequately covered should you be unable to work for an extended period of time. Your income is your most important asset. It’s important to protect it. For your financial security, ensure that you and your family will have a sufficient income if you can’t work.
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