Free retirement income review
Turn retirement savings into income you can plan around
Before you request a review
An annuity is a contract with an insurance company, not a stock market investment. Any guarantees depend on the issuing carrier and the contract terms.
Get a free, education-first review. We help you understand your options, compare annuities from A+ rated carriers, and decide what fits, backed by 22 years of experience.
- Helping families plan for retirement
- 22 yrsHelping families plan for retirement
- Carrier options we compare
- A+ ratedCarrier options we compare
- Licensed across TX, FL, PA, NC, OH, and DE
- 6 statesLicensed across TX, FL, PA, NC, OH, and DE
- Cost for your retirement income review
- $0Cost for your retirement income review
A+ and similar ratings describe the insurance carriers we compare, not CNRGY USA. Guarantees depend on the issuing carrier and the terms of the contract.
Common annuity misconceptions, corrected
Before we talk about your situation, it helps to clear up what an annuity is and is not. Here is the plain-English version, without the sales pressure.
“An annuity is a stock market investment.”
It is an insurance contract
An annuity is a contract with an insurance company. With an indexed strategy your money is not invested directly in the market, so a down year in the index does not mean a loss of your principal.
“The costs are hidden and unpredictable.”
Caps, floors, and fees are defined up front
Index strategies grow up to a stated cap and are protected by a floor. Any fees and the length of the surrender period are spelled out in the contract before you decide anything.
“A guarantee is a guarantee.”
Guarantees depend on the carrier
Features such as guaranteed lifetime income rely on the claims-paying ability of the issuing insurer and the terms of the contract, which is why carrier strength and A+ ratings matter.
How indexing works
Rebuilt from the education CNRGY uses with clients, so you can follow the mechanism step by step.
- 1
Choose an index to track, such as the S&P 500.
- 2
Your money is not invested in the index itself. Instead, your interest is credited based on the movement of that index.
- 3
Your money grows when the index rises, up to a stated limit called a cap.
- 4
In exchange for the cap, you get protection from market downturns.
- 5
Just as there is a cap on the upside, there is a floor on the downside, commonly around 0 to 2 percent.
The finer details
The parts people ask about most, answered plainly.
Built around what actually worries you
Market swings, protecting what you have saved, turning savings into steady income, and getting rollover decisions right. Here is how the right contract can help.
Protection from market downturns
Indexed strategies credit interest based on an index while protecting your principal from market losses, with a floor that defines your downside.
Income you cannot outlive
Certain contracts offer guaranteed lifetime income. That is a feature backed by the issuing carrier and subject to the terms of the contract.
Smarter rollover decisions
We help you weigh how an IRA, 401(k), or pension decision fits into your broader retirement income plan, without pressure to move anything.
Guarantees such as lifetime income and principal protection are contract features backed by the issuing insurer and subject to the terms of the contract.
A free review in three simple steps
No pressure and no predetermined recommendation. Just a clear look at where you stand and what your options are.
- 1
Share your goals
Tell us about your retirement goals and your current savings. That grounds the whole conversation in your real situation.
- 2
Compare your options
We walk through the relevant annuity and income options side by side, in plain English, with the tradeoffs made clear.
- 3
Decide what fits
You decide what makes sense for you, if anything. There is no predetermined recommendation and no obligation to move forward.
Guidance that starts with your goals
For 22 years we have helped families approach retirement with clarity. Our job is to educate first and compare options, never to push a product.
Goals-first guidance
We start with what you want retirement to look like, then look at whether any option actually helps you get there.
Options compared, not pushed
We compare relevant options from A+ rated carriers so you can see the tradeoffs clearly and choose with confidence.
Education before recommendation
You will understand how something works before it is ever recommended. No jargon and no surprises.
22 years of experience
More than two decades helping retirement savers make confident, informed decisions about their income.
Free retirement income review
Request your free retirement income review
Tell us a little about your situation and an advisor will reach out to set up your review. Free, confidential, and education-first.
- A clear, side-by-side look at the options relevant to you
- No cost and no obligation to move forward
- Backed by 22 years of experience and A+ rated carrier options
Prefer to talk it through first? Call 214-502-6761
Answers before you ask
Straightforward answers to the questions we hear most about annuities and the review.
Ready to see your options clearly?
Request your free, education-first retirement income review, or call and talk it through with an advisor today.