01
The fees are buried
Most annuity owners cannot name their total annual cost. M&E, rider, sub-account, and surrender charges are often disclosed across 80+ pages of prospectus.
Independent · Fiduciary · Morningstar-powered
Is your annuity actually working for you?
The average annuity we review carries $1,500–$3,000 a year in fees the owner does not see. We charge $149 to find out exactly what yours is doing. Written report delivered within 48 business hours of confirmation.
We do not sell annuities. We do not earn commissions from insurance carriers. We do not refer you to advisors who do.
The problem
You bought an annuity. Now you have questions.
You are not alone — and the person who sold it to you is the worst possible source for an honest answer.
02
"Free reviews" are not free
Every free annuity review online is a sales funnel for selling you a replacement annuity — and another commission for the agent.
03
Independent advice is expensive
Fee-only fiduciaries charge $500–$1,500 for a full analysis. That is the right answer for some — but most owners just need a straight read on what they already have.
How it works
Three steps. One straight answer.
No sales calls. No commissions. No "we'd love to set up a strategy session."
STEP 01
Tell us about your annuity
Two minutes. Name, email, carrier if you know it. We respond within one business day to confirm we can review your contract.
STEP 02
We analyze independently
Morningstar's institutional data plus a licensed advisor's review. We compare your contract against every peer product on the market.
STEP 03
You get a clear verdict
A written report with a single recommendation: hold, 1035-exchange, surrender, or annuitize — and exactly why.
$0
Commissions we earn from insurance carriers
48hr
Standard turnaround on written reports
100%
Licensed advisor sign-off on every review
Morningstar
Institutional data powers every analysis
Free estimate
How much is your annuity really costing you?
Enter your annuity value. We will show the likely annual fee load based on industry data. The exact answer for your contract requires the $149 review.
$
Best-in-class
1.20% fees
$3,000/yr
Peer median
1.85% fees
$4,625/yr
Costly contract
2.65% fees
$6,625/yr
The gap between best-in-class and a costly contract on a $250,000 annuity is $3,625 a year — $36,250 over a decade.A $149 review tells you exactly which side of that range yours is on.
Pricing
Pick the level of detail you need.
Most owners need the Standard Review. Complex contracts and legal matters get more.
Snapshot
Free
A fast automated overview to see if a deeper review is worth it.
- Fee summary
- Morningstar rating
- Peer comparison
Standard Review
$149
Written independent analysis with one clear recommendation.
- Everything in Snapshot
- Surrender-schedule analysis
- Keep / exchange / surrender call
- 48-hour turnaround
Premium Consult
$499
Standard Review plus a live 45-minute call with a licensed advisor.
- Everything in Standard
- Rider & tax modeling
- 45-min advisor call
- In-force illustration
Legal / Estate
$1,500+
Defensible valuation memo for attorneys and fiduciaries.
- Divorce valuations
- Estate analysis
- Expert-witness work
- Custom timeline
Common questions
Frequently asked
Free reviews are loss leaders for selling a different annuity. We do not sell annuities, we do not take carrier commissions, and we do not refer to advisors who do. You pay us, we work for you, and the relationship ends when the report is delivered.
Yes. Every report is reviewed and signed by a licensed advisor (Series 65 and applicable state insurance licenses) at our affiliate Pinnacle Advisors. This is what allows us to make actual recommendations, not just education.
We tell you exactly that, in writing, with the math. If you want help executing — surrendering, 1035-exchanging, or annuitizing — we can refer you to vetted fee-only fiduciaries. We do not receive referral fees that depend on you buying a new product.
Fixed, fixed-indexed, variable, immediate, and deferred income annuities — including contracts with GLWB, GMIB, and other living-benefit riders. If we cannot review yours, we will tell you up front and refund any payment.
Find out what you actually own.
Most reviews are completed within 48 business hours of intake confirmation. Money-back guarantee if we cannot review your contract.
Get my review — $149