Liquidity
How long will my money be locked up?
Surrender periods on annuities usually run 3 to 12 years. During that time, taking out more than your free allowance can trigger charges. Know your timeline before you commit.
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Before You Move Your 401(k) or IRA Into an Annuity Ask These 7 Questions First.
A plain-English retirement review covering income stability, surrender periods, fees, liquidity access, tax treatment, and insurer strength before you sign anything.
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The Checklist
7 Questions Every Retirement Investor Should Ask Before Buying an Annuity
Most people focus on the income promise and overlook the details that matter. These questions help you evaluate any annuity before signing a contract.
Access
What happens if I need emergency access?
Most annuities let you take out 10% per year without penalty, but rules vary by contract. Some waive penalties for nursing home stays or terminal illness. Ask before you sign.
Income
Can my income amount change over time?
Fixed annuities give you steady, predictable income. Variable and indexed products can change based on the market. Know whether your income is guaranteed or tied to market performance.
Fees
What fees are built into the contract?
Common charges include M&E fees, admin fees, rider costs, and fund management fees. They can eat into your returns significantly. Get a full fee breakdown before you buy.
Taxes
How will my withdrawals be taxed?
If you fund with pre-tax dollars like a traditional IRA or 401(k) rollover, withdrawals are taxed as regular income. Timing, RMDs, and contract type all affect your tax situation. Talk to a tax pro.
Insurer
How financially strong is the issuing insurer?
Annuity guarantees depend on the insurance company ability to pay claims, not the federal government. Check ratings from AM Best, Moody's, or S&P before you decide.
Suitability
Is this annuity suitable for my specific goals?
The right choice depends on your age, income needs, risk comfort, timeline, and full financial picture. What works for one person may be wrong for another. Get a personalized review.
Guided Review
What Your Review Can Help You Understand
Income & Timing
Income needs, Social Security timing, and retirement income timeline
Rollover & Taxes
Rollover questions, tax considerations, and liquidity needs
Fees & Suitability
Fees, surrender charges, riders, insurer strength, and suitability
Beneficiary Planning
Beneficiary planning and legacy considerations
Emergency Access
Emergency access rules and withdrawal restrictions
Comparing Options
How to compare annuity options before signing any contract
Most retirees never ask the questions that matter most.
An annuity may help some people create predictable retirement income, but the details matter. Before signing anything, understand the trade-offs, restrictions, fees, and suitability considerations.