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Is an Annuity Right for You in 2026?

Answer 8 simple questions and get personalized recommendations based on your retirement goals — no email required, no pressure, ever.

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8 questions
3 result profiles
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Personalized Assessment

Find Out If an Annuity Fits Your Retirement

No jargon. No pressure. Just honest guidance based on your actual situation.

Question 1 of 8
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Strong Candidate

An Annuity Looks Like a Strong Fit for Your Situation

Based on your answers, your retirement profile aligns well with what annuities are designed to solve. You have real income needs, market concern, and a desire for guaranteed, predictable retirement income.

  • You may be able to create a guaranteed income stream you can't outlive
  • A zero-loss floor strategy could protect your savings from a bad market sequence
  • Tax-deferred growth inside an annuity could significantly improve your tax picture in retirement
  • An income rider could replace the pension most people no longer have

Your Next Step: See Your Personal Numbers

In a free 30-minute strategy call, Travis will model exactly what an annuity could provide for your specific age, savings, and income needs — no obligation required.

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Moderate Fit

An Annuity Could Play a Role in Your Retirement Plan

Your answers suggest that an annuity may be right for part of your retirement assets — not necessarily all of them. Many people use an annuity to cover their income floor and keep other savings flexible.

  • Using an annuity for your "essential income" layer could reduce stress about market swings
  • A fixed indexed annuity could provide growth potential with downside protection
  • Splitting your assets between an annuity and other accounts may give you both security and flexibility
  • A 30-minute conversation with Travis could clarify exactly what makes sense for you

Let's Look at Your Full Picture

Travis will run your real numbers — income gap, tax exposure, and Social Security timing — and give you an honest assessment of whether an annuity belongs in your plan.

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Explore Options

Now May Not Be the Time — But Let's Talk Through Your Options

Based on your answers, an annuity may not be the primary solution for your situation right now. That doesn't mean you don't have retirement challenges worth addressing — it just means different tools may serve you better.

  • Your income gap, tax exposure, and Social Security strategy still deserve a thorough review
  • Other strategies — like Roth conversions, tax-free savings vehicles, or income floor planning — may be a better first move
  • Many people discover in their 1-on-1 that their situation has changed from what the quiz captured
  • A free 30-minute call costs nothing and could reveal options you haven't considered

Get a Complete Retirement Picture — Free

Whether or not an annuity is right for you, Travis can show you where you stand, what your income gap looks like, and what strategies actually make sense for your situation.

Book My Free Strategy Call →

Your answers are private and never shared. This quiz is for educational purposes only and does not constitute financial advice.

The Process

How It Works

From quiz to personalized recommendation — here's exactly what to expect when you work with Travis.

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Step 1

Take the Quiz

Answer 8 questions about your retirement goals and financial situation. Instant results, no email required.

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Step 2

Book Your Strategy Call

Schedule a free 30-minute call with Travis. He personally runs every meeting — no call centers, no assistants.

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Step 3

See Your Real Numbers

Travis models your exact situation — income gap, tax exposure, and what an annuity would actually pay you.

Step 4

Get an Honest Answer

You'll know exactly whether an annuity fits your plan — and if not, what strategies actually make sense for you.

Why Consider an Annuity?

The Problem Most Retirees Face — And What Annuities Are Designed to Solve

Most Americans retire with the majority of their savings in pre-tax accounts — 401(k)s and IRAs — with no guaranteed income source beyond Social Security. That creates three serious problems.

Market risk is unpredictable. A bad sequence of returns in your first years of retirement can permanently damage a plan. Tax exposure grows as required minimum distributions kick in at 73. And there's no safety net if your spending outlasts your savings.

Annuities — specifically fixed indexed annuities and income annuities — were designed to address exactly these problems. But not every annuity is right for every person.

Find Out If One Is Right for You →
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Zero Loss Floor

Fixed indexed annuities link growth to market performance on the way up — but your account never goes backwards when markets drop. Zero is your floor.

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Guaranteed Income for Life

Income annuities convert a lump sum into a guaranteed monthly check — for life, no matter how long you live. The closest thing to a pension available today.

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Tax-Deferred Growth

Annuity growth is tax-deferred — meaning your money compounds without the IRS taking a cut each year until you withdraw.

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Death Benefit for Your Family

Most annuities include a death benefit, ensuring your remaining balance passes to your beneficiaries — not the insurance company.

Understanding Your Options

Three Types of Annuities Worth Knowing

Travis works with all three. The right one depends entirely on your goals.

Safety First

Fixed Annuity

A fixed annuity provides a guaranteed interest rate for a set period — predictable growth with zero market exposure. Think: a better CD from an insurance company.

  • Guaranteed rate of return
  • Principal 100% protected
  • No market risk whatsoever
  • Simple, predictable, safe
Growth + Protection

Fixed Indexed Annuity

Growth linked to a market index (like the S&P 500) — but with a zero loss floor. You participate in gains up to a cap, and your account never loses value when markets drop.

  • Market-linked growth potential
  • Zero loss floor guaranteed
  • Optional income rider for lifetime income
  • Tax-deferred accumulation
Guaranteed Income

Income Annuity

Converts a lump sum into a guaranteed monthly income stream for life — or for a set period. The modern replacement for the pension most Americans no longer have access to.

  • Guaranteed lifetime income
  • Can include spousal protection
  • Eliminates longevity risk
  • Predictable, inflation-adjusted options

What Families Say

Real People. Real Results.

★★★★★

"Travis explained the difference between annuity types in a way that finally made sense. No jargon, no pressure — just honest answers. We walked away with a clear plan."

John & Carol M.
New Braunfels, TX
★★★★★

"I was skeptical about annuities. After talking with Travis, I understood exactly what I was getting — the zero loss floor sold me. My neighbor lost $96,000 in 2022. I lost nothing."

Margaret S.
Seguin, TX
★★★★★

"Travis told me an annuity wasn't the right fit for my situation yet — and walked me through what was. That kind of honesty is why I sent three friends to him."

Frank R.
San Marcos, TX

Common Questions

Annuity FAQs

What is an annuity and how does it work?
An annuity is a contract with an insurance company where you deposit a lump sum or make payments, and in return receive either growth (deferred annuity) or guaranteed income payments (income annuity). They're designed to solve two core retirement problems: outliving your money and protecting savings from market crashes.
Can I lose money in an annuity?
It depends on the type. Fixed and fixed indexed annuities guarantee your principal — your account balance can never go below what you put in (minus any withdrawals). Variable annuities can lose value because they're tied to market investments. Travis only works with fixed and fixed indexed annuities, which come with principal protection guarantees.
What are the fees inside an annuity?
Fixed and fixed indexed annuities typically have no direct fees unless you add optional income riders (usually 0.5%–1.1% per year). The insurance company earns money through the spread between what they credit you and what they earn — similar to how a bank operates. There's no hidden fee structure. Travis will walk through all costs line by line.
What is a surrender charge and how long does it last?
Annuities have a surrender period — typically 5–10 years — during which withdrawing more than 10% of your account per year incurs a surrender charge. This is how the insurance company offsets the guarantees they provide. Most annuities allow 10% free withdrawals annually from day one, and surrender charges reduce to zero over time.
Is an annuity right for everyone?
No — and any advisor who says otherwise is being dishonest. Annuities are well-suited for people who: need guaranteed income in retirement, are concerned about market risk, want tax-deferred growth, or need to protect against outliving their savings. They're generally not ideal as your only asset, or if you need full liquidity. The quiz above can help clarify your situation.
How is Travis compensated?
Travis is compensated through commissions paid by the insurance companies whose products he recommends. These commissions come from the insurance company — not from your account balance. They do not reduce your principal or credited interest. Travis will always disclose how he is compensated before any recommendation is made.

Ready to See If an Annuity
Belongs in Your Plan?

Take the quiz above or book a free 30-minute strategy call. Travis will give you an honest, personal answer — no pressure, no jargon, no obligation.

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