Yes. There's no fee and no obligation, and you keep your report either way.

I'm compensated by the insurance company when a client chooses to purchase a policy or annuity. There's no cost to you for the analysis, the second opinion, or our meetings.

No. Your analysis looks at your plan as it is. Solutions to close a gap usually sit alongside your plan, not in place of it.

No. I never ask for a decision on the first call, and every client has at least three meetings before any decision. If you don't need anything, I'll tell you.

No. I'm independent and compare options across leading carriers.

No. Meetings are by Zoom or phone, at a time that suits you - including evenings.

Alabama, Arkansas, California, Florida, Georgia, Louisiana, Maryland, Michigan, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee and Texas.

Not at this time. Federal benefits (FERS, TSP) require specialized planning, and I'd rather refer you to a specialist.

Not necessarily. Many annuities are worth keeping. A second opinion tells you where yours stands; replacement only makes sense when it's clearly in your best interest after surrender charges and lost benefits.

Nothing required. If you have them handy: your latest pension estimate, retirement plan statements, and Social Security statement.