The biggest fear in retirement isn't the stock market — it's running out of money. Annuities solve that problem by converting a portion of your savings into guaranteed income that lasts as long as you do.
As a family-owned firm based in Evanston, we understand the unique financial landscape of Winnetka — from the cost of living and property taxes to the retirement lifestyle our Winnetka neighbors are planning for.
Our approach to annuities in Winnetka
We're not annuity salespeople. We're fiduciary advisors who recommend annuities when they solve a specific problem in your plan — like covering essential expenses, bridging the gap before Social Security, or protecting against longevity risk.
We evaluate annuities based on guaranteed income rates, fees, surrender periods, and the financial strength of the issuing company. No hidden costs. No surprises.
Common questions
Are annuities a good investment for retirement?
Annuities aren't investments — they're insurance products designed to provide guaranteed income. For retirees who want certainty that their essential expenses are covered regardless of market performance, annuities can be a powerful piece of the plan.
What's the difference between a fixed and variable annuity?
A fixed annuity guarantees a specific interest rate for a set period. A variable annuity ties your returns to market performance — which means more upside but also more risk. We generally recommend fixed or fixed-indexed annuities for retirees who prioritize stability.
How much of my savings should I put in an annuity?
Typically, we recommend covering your essential monthly expenses (housing, food, healthcare, utilities) with guaranteed income sources — Social Security plus an annuity if needed. The rest stays invested for growth. We'll calculate the exact amount based on your budget.
Ready to talk about annuities in Winnetka?
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