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Insurance and Annuity Solutions

Insurance and annuities are tools, not strategies. Whether one belongs in your plan depends on the need it is intended to address.

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Objective guidance on where these tools fit, and where they do not.

These conversations happen after the planning work, not before. We identify the need first, explain how a product works and what it costs, and compare it against other ways of addressing the same need. Then the decision is yours to make, and declining is a normal outcome.

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Identify the need first

We look at what your plan requires before considering whether any product addresses it. Often, no product is needed at all.
We explain what the contract commits to, what it does not, what it costs, and what you give up in exchange, using language meant to be understood.
We consider other ways to address the same need so the comparison is balanced and meaningful.
We provide guidance and recommendations. The decision belongs to you, and declining a product is a normal outcome.

Have a question about a policy or annuity?

Bring it to us. We are glad to explain how it works, what to consider, and where it may or may not fit within your plan.

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Why Insurance and Annuity Solutions is so important for a successful financial plan

Our approach here is to inform rather than persuade.
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Need comes before product

We look at what the plan requires before discussing whether any product may address that need.

Plain explanations

We explain what the contract does, what it costs, and what trade-offs it involves in straightforward language.

Alternatives considered

Other approaches to the same need receive consideration alongside any product we discuss.

No pressure to proceed

Deciding against a product is a normal outcome and does not change the rest of our work together.

Frequently Asked Questions

Insurance and Annuity Solutions

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No. We discuss these products when the planning work suggests one may address a specific need. Even then, the conversation is about how the product works, what it costs, and whether it fits. Many of our clients do not hold any of these products.
An annuity may make sense when a household wants income based on contract terms rather than directly on market performance. Covering certain baseline expenses that way can allow the rest of the portfolio to be positioned differently. Whether that trade-off makes sense depends on your income sources, assets, liquidity needs, and costs.
We receive a commission from the insurance company when we place a policy or annuity. That compensation is separate from our advisory fee. We are glad to tell you what we would be paid on any specific product before you decide, and we would rather raise it than wait to be asked.

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