- 5460 Babcock Rd Suite 120, San Antonio, TX 78240
- 915.920.4279
Transform your retirement concerns into total confidence and peace of mind with guidance from specialists focused on retirement income planning and asset protection since 2001.
Your assets from market losses
Retirement income for life
Your investments and income sources
Unwavering focus on retirement income planning since 2001.
Answer your annuity questions in plain English, including explanations of your options, features, benefits, drawbacks, fees, and tax implications without confusing jargon or sales pressure.
Comprehensive analysis of your financial situation, risk tolerance, and retirement goals to identify strengths, potential gaps, and highlight exactly what you need from your retirement income or asset protection plan.
Development of personalized income strategies integrating annuities as needed with your assets and other income sources for optimal tax efficiency and income security.
Expert guidance through carrier and product comparison, selection and application process, with ongoing service and support.
We’ve built our reputation on decades of honest guidance, full transparency, and putting client interests ahead of our own.
Licensed and focused on retirement income planning since 2001, with expert understanding of optimal strategies to maximize retirement income and growth potential for the long term.
Working with 40+ insurance carriers means finding optimal solutions for your needs, with recommendations based on your goals, income needs, and resources. We advise against annuities when they may not be in your best interest or appropriate for your situation.
Ongoing support from initial consultation through implementation, with ongoing service and support, from a licensed and caring professional. Read our reviews!
Full and transparent disclosure, including fees and fine print. You can expect an honest assessment of your goals, needs and financial situation. Any recommendation will be suitable and in your best interest as determined by a licensed professional.
We help you transform a portion of your retirement savings into predictable income streams through strategic analysis of your complete financial picture, and in coordination with Social Security and pensions.
Comprehensive evaluation of all annuity types with honest assessment of which products align with your risk tolerance, income needs, and long-term goals.
Strategic development of guaranteed income foundations that ensure your essential expenses are covered throughout retirement
Pressure-free analysis of whether annuities belong in your retirement plan, including detailed comparison of costs, benefits, and alternative strategies.
An annuity is a contract with an insurance company where your money (either in a lump sum or series of payments) purchases certain guarantees—such as growth, principal protection, and lifetime income.
Annuities are backed by the financial strength and claims-paying ability of the issuing insurance company. Unlike bank accounts, annuities are not FDIC-insured.
Yes, but withdrawals may be limited. Most contracts allow penalty-free withdrawals of 5–10% annually. Larger withdrawals may trigger surrender charges and/or Market Value Adjustments (MVAs).
Most annuities include a death benefit. Lifetime income distributions will draw down account value, with any remaining balance passing directly to named beneficiaries, and avoiding probate. Income annuity payments can also be structured to continue for a surviving spouse.
Yes. Withdrawals from qualified annuities (IRAs/401(k)s) are taxed as ordinary income. Non-qualified annuities are taxed only on the earnings portion, with distributions taxed first, and penalties before age 59 ½; Non-qualified income annuities spread out taxes over many years using an ‘exclusion ratio’.
Annuities are most suitable for people seeking additional retirement income, growth with protection, or tax-deferral. They are not ususally appropriate for short-term goals.
There is no “one-size-fits-all.” Many retirees allocate 20–40% of assets for guaranteed income, depending on their needs, lifestyle, and risk tolerance.
The insurance company pays the agent a commission directly. This does not come out of your premium, or reduce your account value.
Independent agents may work with multiple carriers. Recommendations are based on your goals, financial situation, and product terms and features that best meet your needs.
Agents are compensated by commission from the insurance company, but are still required to act in your best interest under state suitability and “best interest” regulations. Depending on an agent’s outside business activities, any conflict – or potential conflict – of interest should be fully disclosed.
A thorough review of your goals, income needs, and risk tolerance should be conducted before making a recommendation. Annuityverse is able to compare products across multiple carriers.
These are optional add-ons that guarantee lifetime income or enhanced benefits. They often come with additional fees, so they should be chosen only when they align with your goals.
Consult with an Annuityverse specialist to evaluate your goals, needs, and options.
“We were worried about outliving our money after seeing our 401(k) fluctuate so much with the markets. Annuityverse helped us create guaranteed monthly income, plus protected growth investments. It’s great to know we have income for life, and that a part of our money is protected and growing outside of the market.”
Our clients’ peace of mind is our greatest measure of success.
Get your free Annuity Guide!
