Turn your savings into a paycheck for life
After a lifetime of saving, the real fear isn’t running out of time — it’s running out of money. A fixed annuity protects what you’ve built and turns it into income you can count on, for as long as you live.
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The basics
A private pension you build yourself
A fixed annuity is, in plain terms, a private pension. You place a portion of your savings with a carrier; your principal is protected, it grows on a tax-deferred basis, and then it converts into predictable income — income you cannot outlive.
It exists to solve one specific fear: that the market, or simply a long life, drains the money you worked decades to build. A fixed annuity takes that worry off the table for the portion you choose to protect.
And it’s built with legacy in mind. What you don’t spend passes to the people you love. We design the income and the legacy pieces together so both are clear before anything is decided.
Not retired yet? High earners land here too. Once the 401(k) and IRA are maxed, the same toolbox — a deferred fixed annuity or a properly structured cash-value policy — is one of the few tax-advantaged places left to keep building. And because protecting what you’ve built has a legal side as well, some pair it with a LegalShield legal-plans membership (a membership, not insurance — see the LegalShield page).
How it works
How it protects and pays
Protect a portion of your savings
You move part of what you’ve saved into a fixed annuity — your principal is protected, not exposed to market drops.
Let it grow, tax-deferred
During the accumulation years, growth compounds without yearly taxes dragging on it.
Turn it into lifetime income
When you’re ready, it converts into carrier-backed income you can count on for as long as you live.
Pass on what’s left
Whatever remains goes to your beneficiaries — a clear legacy, not a guessing game.
What you get
What it’s built to do
- Principal protection — what you’ve built stays yours
- Predictable, carrier-backed income you can’t outlive
- Tax-deferred growth during the accumulation years
- A clear legacy for your family
This is likely a fit if…
- You have savings you want to protect
- You want certainty about income in retirement
- You care about leaving something behind, cleanly
- You’re a high earner who’s maxed the 401(k) and IRA and wants another tax-advantaged place to build
It might not be the right fit if…
- You need full access to all of this money in the short term
- You’re comfortable taking on market risk for the chance of higher returns
Not sure which way you lean? That’s exactly what a quick, no-pressure conversation is for.
Common questions
Annuities & Legacy — questions people ask
The honest answers, up front. Anything else, just ask Ken.
A fixed annuity is principal-protected and carrier-backed — built for stability, not market risk. There are access provisions, and I’ll show you exactly how they work before anything’s decided.
Whatever remains passes to your beneficiaries. We design the legacy piece deliberately, so it’s clear and goes where you want it.
A fixed annuity protects your principal; a variable one exposes it to the market. My focus here is the fixed, protection-first approach.
Rates vary by carrier and your age, so I won’t hand you a guess. I’ll run a personalized illustration with your own numbers — something you can hold up and compare.
For dollars beyond the easy accounts, a deferred fixed annuity or an accumulation-structured cash-value policy can keep building tax-deferred without a 401(k)-style cap. Different jobs, different trade-offs — the guides below walk through them, and the illustration shows your own numbers.
No. Cash-value growth uses caps and floors — the floor protects you in down years, the cap limits the upside. A fixed annuity credits a set rate per its contract. Neither is a promise of future results, and the illustration shows both honestly.
Beyond insurance · Membership, not insurance
Legal & identity protection
Ken also offers LegalShield memberships for families and businesses — steady access to a provider law firm for advice, letters and calls, document review, and will preparation, plus IDShield identity protection.
Annuities & Legacy
The closest thing to your own pension
After a lifetime of saving, the fear isn’t running out of time — it’s running out of money. A fixed annuity protects your principal and turns it into predictable income for life, with what’s left passing to the people you love. Still working and maxing the 401(k)? The same toolbox — annuities and properly structured cash-value policies — is where high earners keep building after the easy accounts are full.
- Principal-protected — what you’ve built stays yours
- Predictable, carrier-backed income you can’t outlive
- A clear legacy for your family
You’ll see exactly how the income and legacy pieces work — in plain English — before you decide anything.
Availability varies by state. Illustrative example. Actual rates vary by carrier and age. Not a guarantee of future results. Not tax or investment advice — please consult your CPA.