Income you can count on. Know exactly what's coming in each month.
No betting your savings on the market, so you can actually enjoy retirement. I'm Greg Stevens, and since 2004 I've been giving people near retirement straight answers about annuities, in plain English, before they ever sign anything.
Nobody should sign a contract they can't explain back to me.
That's why I walk through every number, fee and surrender charge before you decide anything. A few other things that shape how I work:
Safe money should stay safe.
Retirement isn't the time to gamble with the money you need to live on. That's why I start with what has to be protected.
Sometimes the answer is "leave it where it is."
I'm independent, so I can say that. That's why a conversation with me commits you to nothing.
You should know what's coming in.
Not a range, not a hopeful projection. That's why I show you the guaranteed figures side by side with everything else.
Where would you like to start?
Most people come to me with one of these questions.
My CD is coming due.
See how a multi-year guaranteed annuity compares to renewing, including what taxes do to each.
Compare CDs and MYGAsI want income I can count on.
How to turn part of a 401(k), IRA or savings into a monthly paycheck that lasts as long as you do.
Retirement incomeWill my income be enough?
Add up Social Security, pensions and other income, and see the monthly gap your savings have to fill.
Find your income gapWhy I do this.
I was working in technology when the dot-com bubble burst, and I saw a lot of financial disruption up close. It taught me that the markets can be a great thing, but they're not the only thing. Since 2004 I've helped people near retirement get through turbulent markets with what they've built intact.
I don't work for one insurance company. That means I'm not trying to fit you into a single product. I'm trying to find out whether an annuity makes sense for your situation at all, and if it does, which kind and why.
How working together actually works
We talk it through.
A plain conversation about where your money is now, what you're worried about, and what you want it to do for you.
I look at your specific numbers.
If an annuity might help, I'll show you exactly what your situation would look like against the options available. Real figures, not projections dressed up as promises.
You decide, with no pressure.
If it makes sense, we move forward together. If it doesn't, I'll tell you that too.
From the blog
Short, plain-English answers to the questions people ask me most.
Your CD Is Maturing. Here Are Your 5 Options.
The bank renews it automatically unless you act. Here's what to weigh first.
Read more →
Why Retiring Into a Down Market Is So Risky
Same savings, same average return, very different outcomes.
Read more →
The Most Useful Retirement Number: Your Income Gap
Your account balance matters less than your monthly gap. Find yours in three steps.
Read more →Questions people usually ask me first
Not a sales pitch. Just honest answers to what's on people's minds.
Can I actually lose money in a fixed annuity?
Not from the market. A fixed or fixed indexed annuity protects your principal from market losses. That's the whole point of the product. What varies is how much it can grow. The things that can cost you are surrender charges if you take out more than the free amount early, and fees on optional riders. I'll show you all of them up front.
What's the catch with the bonus offers I keep hearing about?
Bonuses are real. They usually vest over several years, and bonus products often come with longer surrender periods or lower growth caps. I'll walk through the actual math with you, not just the headline number.
Do I have to move all of my money to talk to you?
No. Sometimes the right answer is to move part of it, sometimes none of it. A conversation costs you nothing and commits you to nothing.
Have a question about your money?
Bring me the numbers: a CD that's coming due, a 401(k) you're about to roll over, or an illustration someone sent you. I'll give you a straight read on it. The call is free and commits you to nothing.