Annuities

Annuities are insurance-based products designed to address specific financial goals, such as providing guaranteed income, managing longevity risk, or creating predictable cash flow in retirement. They vary widely in structure, features, costs, and trade-offs—and they are not right for everyone. We offer annuities to clients in the Zen Advisory Program where appropriate and subject to suitability considerations.

As an independent, open-architecture firm, we are not limited to a single provider or product lineup. This allows us to evaluate options across the industry and help clients ask the right questions before making a decision. Annuities can be complex, and the differences between products matter. Our independence means we can compare and assess what's available without being tied to proprietary offerings.

We help clients determine whether an annuity fits their situation, evaluate available options thoughtfully, and implement coverage as part of a broader financial strategy. Decisions are made in the context of your goals, income needs, and long-term plans—not in isolation.