Is my money locked up?
See the exit before you enter
We show the surrender schedule, the yearly charge-free withdrawal amount, and what happens if you need money early. In writing, before you decide.
Paycheck Gap Check · 3 Questions · 60 Seconds
How big is your retirement paycheck gap?
Add up the bills you have to pay every month. Subtract the income that shows up no matter what. What's left is your gap.
Your numbers
Example numbers loaded. Change them to yours.
Housing, food, utilities, insurance, healthcare, car.
Find your estimate at ssa.gov/myaccount
Anything that shows up no matter what.
Your monthly gap
$2,100
GAP TO CLOSEGuaranteed incomeGap
- Bills covered by guaranteed income
- 60%
- Your gap over a 25-year retirement
- $630,000
- Same gap in 20 years if prices rise 3% a year
- $3,793
There's a real gap between what you must pay and what shows up no matter what. That's the number a plan has to cover.
Straight answers
The three things everyone asks
What are the fees?
Every fee on one page
Some options have no annual fee. Some add rider fees. We list each one and start with the simplest option that fits.
Who stands behind it?
Know the company
Guarantees depend on the issuing insurer. We name it and show its AM Best rating.
Book a call. No pressure.
Just your numbers.
- A 20-minute phone or video call. No seminar, no free dinner.
- We walk through your gap and whether guaranteed income fits.
- If it doesn't fit, we'll tell you. Nothing gets signed on the first call.