Can I retire?
Find out if your savings can actually cover the life you have worked so hard for.
Turn Your 401(k), IRA, or Pension Into Retirement Income You Can Count On
You worked your whole life for this money. Find out whether it could become steady monthly income you can count on, with less exposure to the next market drop. The years right before retirement are the ones that matter most, and they pass faster than you think.
If Any of These Sound Like You...
- I have an old 401(k)
- I'm retiring within 10 years
- I worry about another market crash
- I don't know how much income I'll have
- I don't know whether to leave my money where it is
- I don't understand annuities
- I don't want to make a costly tax mistake
The Retirement Questions Everyone Asks
How much income can I expect?
Get a real number for what your accounts could pay you every month.
Should I roll over my 401(k)?
Know your options before you make a move you cannot take back.
What happens if the market crashes?
See how people protect their savings before the next downturn hits.
Will I outlive my savings?
Explore ways to create income that lasts as long as you do.
Compare Your Choices
An honest side by side look at your options, with no product pitch and no pressure.
| Option | Growth | Protection | Lifetime Income |
|---|---|---|---|
| Leave 401(k) | |||
| IRA | |||
| CDs | Limited | ||
| Fixed Annuity | Limited | Optional | |
| Fixed Indexed Annuity Most complete | Index-linked |
How We Help
Tell us about your retirement.
Just your age, savings, and goals. No account numbers, no commitment, no catch.
Estimate your future monthly income.
See a clear, plain English estimate of what your savings could produce.
Compare your rollover options.
Look at leaving it, rolling to an IRA, or an annuity, all side by side.
Talk with a licensed specialist if you choose.
Only if you want to. No pressure, no obligation, and no hard sell.
Estimate Your Retirement Income
Adjust the numbers to see a rough monthly income estimate. Nothing is saved or shared.
Estimated Monthly Retirement Income
$1,516/mo
Illustrative estimate only, based on a 6% average annual growth assumption and a 4% annual withdrawal rate. Actual results depend on markets, product terms, taxes, and timing. This is not a quote, projection, or guarantee.
Talk With a Licensed SpecialistWhy People Visit AnnuityNestEgg
Protection
Help shield your savings from the next major market decline.
Income
Explore options for income you can actually plan your life around.
Education
Straight, plain English answers without the jargon or the sales act.
Comparison
See your retirement strategies side by side, honestly.
The Trade-Offs
Every retirement strategy has trade-offs. Here are the ones worth understanding.
Liquidity
Surrender periods can limit access to your money for years.
Taxes
Withdrawals from tax-deferred accounts are taxed as ordinary income.
Inflation
Level payments can lose buying power over a long retirement.
Fees
Riders and administrative charges reduce your returns.
Company strength
Guarantees rely on the insurer's claims-paying ability.
Growth limitations
Caps and participation rates limit index-linked upside.
We'll explain both the benefits and the limitations before you decide.
Questions People Actually Ask
Can I roll over my 401(k)?
In most cases, yes. If you have a 401(k) sitting with a former employer, you can usually move it into an IRA or an annuity through a direct rollover, which avoids immediate taxes and penalties. The rules can be different if you still work for that employer, so it is worth confirming your exact situation before that money sits idle any longer.
Should I move my IRA?
It depends on your goals. Moving an IRA into an annuity can add principal protection and guaranteed income, but it also comes with surrender periods and fees. It is not the right move for everyone, and putting your options side by side is the fastest way to see where you really stand.
What happens if I die?
It depends on the contract, and this is exactly the kind of detail worth settling early rather than leaving to your family later. Many annuities let you name a beneficiary who receives the remaining account value or continued payments. Some income options pay only during your lifetime unless you add a joint or death benefit rider, so always check the specific contract terms.
How are withdrawals taxed?
Withdrawals from tax-deferred accounts (a traditional 401(k), IRA, or qualified annuity) are generally taxed as ordinary income. Withdrawals before age 59½ may also face a 10% IRS penalty. This is general information, not tax advice, so please confirm the details with a tax professional before you act.
Can I lose money?
It depends on the product, and this is the question that keeps most people up at night. A fixed or fixed indexed annuity protects your principal from market losses, though fees and early withdrawals can still reduce your value, and any guarantees depend on the insurer's financial strength. Variable annuities and ordinary market investments can still lose value.
Should I use all of my retirement savings?
Usually not, and anyone who tells you to put everything in one place should give you pause. Many people place only a portion of their savings in guaranteed income products and keep the rest liquid for flexibility and emergencies. The right mix depends on your income needs, your other assets, and how much risk you can honestly live with.
The Best Time to Plan Your Retirement Income Was Years Ago. The Next Best Time Is Today.
It takes about five minutes, and there is no obligation and no pressure. Just honest answers, while you still have time to act on them.
See My Retirement IncomeAnnuities aren't FDIC insured. Guarantees are backed by the claims-paying ability of the issuing insurance company. Educational purposes only. Not financial, tax, or legal advice.