I
Independence
We are not licensed to sell annuities. We do not accept commissions, finders' fees, or revenue share from insurance carriers. The reviewer's compensation does not depend on what the report concludes.
About
The only thing we sell is the truth about your annuity.
Sound Annuities is built on a deliberately narrow proposition: independent review of the annuity you already own, by people who are paid only by you.
Our pillars
Three commitments that define the work.
II
Rigor
Every review uses Morningstar's institutional Annuity Intelligence dataset — the same data large RIAs pay six figures a year to access. Then a licensed advisor reads it.
III
Clarity
One recommendation, in plain English, with the math behind it. Not a 40-page document designed to confuse you into a sales call.
The partnership
Built on institutional foundations.
No single company could deliver this at this price. The economics work because specialized partners come together.
Pinnacle Advisors
The Series 65– and state-insurance-licensed advisory team that reviews and signs off on every report. The compliance backbone of the service.
Morningstar
Institutional Annuity Intelligence data. Fee databases, peer comparisons, ratings, surrender schedules — the same dataset used by major RIA platforms.
The Pinnacle Group
Parent network of Pinnacle Advisors and Pinnacle IFS. Disclosed in Form ADV Part 2A. Cross-payments between Sound Annuities and The Pinnacle Group are disclosed in writing before any work begins.
“
If our review says keep it, we will not try to sell you anything else. If it says exit, we still will not sell you anything else. That is the entire model — and it is why we can be trusted.
— The Sound Annuities team
Bring us your annuity. We will tell you what it really is.
$149. Forty-eight hours. One straight answer.
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