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Currently, interest rates are at record highs—pushing annuity income rates to record high’s, while it lasts. It’s very likely that interest rates will go down soon as stated by the Federal Reserve—and—this is an election year. Let’s face it—the incumbent administration always wants to see rates come down. With a carefully chosen annuity (there are 1200+ to choose from), you may lock in these higher rates, for life.

There is no cost to you. Meeting with a licensed IQ Wealth® advisor won’t cost you a penny. An easy first step is to request a free 15 minute phone call. You can get the basic facts and set your mind at ease. We can make sure its right for you. If you qualify and a beneficial income upgrade is available, you can move forward with ZERO out-of-pocket cost.

Our clients are seeing income increases up to 30% with zero out-of-pocket costs. What would an extra $10,000 to $20,000 per year in retirement income do for you? An extra vacation? More money to spend on the grandkids? More golf? Or even just the security of having more money in the bank at all times.

We calculate your current income benefit from your current annuity, and determine its “trade-in value.” If an upgrade is available, you exchange your current annuity for the new one that will give you more income. This is only done if it will be beneficial to you. Our fiduciary approach means that we will only recommend things in our client’s best interests. If there is no available upgrade, no harm done, you’re all set and nothing changes.

A totally valid question to ask! It can be hard to believe that something can have only upside with no downside. The downside is that you may have a surrender charge on your current annuity. The upside: many annuities today are offering bonuses of 10% to 30% to offset those surrender charges. An exchange is only recommended if you come out substantially ahead. Please note: Higher bonuses are also time sensitive. Those higher bonuses may get trimmed down when interest rates fall again. Higher rates have been bad for real estate, but very good for annuities. For people who have owned their annuity for 3 or more years, it’s likely that you may benefit. Regardless, it’s worth a few minutes of your time to check with no risk, no cost, and no sales pressure.

Only a small chance of that, in fact very unlikely. These high rates happened because the Fed took on inflation “too late.” The overwhelming consensus is that rates will begin to fall before rising again. Historically, in the months approaching a presidential election, the federal reserve may be influenced to reduce interest rates, allowing more people to buy homes at lower rates. This has been fairly common practice throughout history. With potential income increases of 10% to 30% (or more), there may never be a better time to lock in more income for life.

Certainly, there is zero risk to learn more. Looking into this opportunity is free. Our firm has built its reputation around being informative and helpful with no hard sell. You experience world class resources, with local hometown service. We’re a family business. If an upgrade exists for you, we’ll find it --with ZERO out-of-pocket cost to you, and no risk.

Typically, insurance companies do not accept an exchange unless you have owned it for three or more years. There are some exceptions, but three years and older is the norm. If your annuity is less than three years old, by all means contact us to see if you would qualify for an exception.

Absolutely. The longer you’ve owned your annuity the lower your surrender charge. In fact you may be completely “out of surrender”. If so, you may have even more options available. It is simply a business decision to see how you may put more money in your pocket permanently.

Our office is conveniently located in Scottsdale, AZ:
(Please Note: We work by appointment only)

8777 N Gainey Center Drive
Suite 200
Scottsdale, AZ 85258

Accredited Investment Fiduciary (AIF®), Certified Annuity Specialist (CAS®), Certified Income Specialist (CIS™), Investment Manager. Our firm is an A+ ranked Accredited Member of the Better Business Bureau, licensed in securities and insurance.