Free Retirement Income Checkup
Answer a few quick questions and get a plain-English summary of where your retirement income stands. If you'd like, talk it through with a licensed agent. No cost and no obligation.
A fixed index annuity is a contract with an insurance company. It's designed to protect part of your savings from market downturns while giving you the opportunity to earn interest, and it can provide income you can't outlive.
Your principal and any interest already credited are protected from market downturns. When the index goes down, your account value doesn't lose ground because of it.
You can earn interest based in part on the performance of a market index, up to limits set by the contract. You are not invested directly in the market.
Options are available to turn your savings into a guaranteed stream of income for as long as you live, so your paycheck doesn't stop when your job does.
Interest credited may be limited by caps, participation rates or spreads. Annuities may have surrender charges and other limitations during the early years of the contract. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not FDIC insured.
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Your age, your timeline, the accounts you have, and what worries you most. No account numbers and no Social Security number.
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See where your plan looks steady and where it may have gaps, in plain language.
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Pick a time for a short call with Marvin. You decide whether there's anything to do next.
Who you'll talk to
I've been a licensed insurance agent since 1998. Before that, I spent five years at a credit union helping members with retirement accounts, CDs and money markets. Over the years I've seen too many people lose a big part of their savings in a downturn and go back to work in their 70s. Helping people protect what they've worked for is why I do this.
I work with dozens of insurance carriers, so I can compare options side by side instead of pushing one company's product. My wife Rachel and I run this family business together, and our four kids work with us. I'm co-author of the retirement book Safe Money, and I've volunteered with youth outreach programs for 20 years.
The checkup is free and you're never obligated to buy anything. If you ask for a call, we'll go over your summary and your options. If nothing fits, we'll tell you.
Your principal is protected from market downturns. However, taking out more than the contract allows during the surrender period can result in surrender charges, and some contracts have fees for optional benefits. We'll go over all of that before you decide anything.
I'm a licensed insurance agent. I help with insurance and annuity products. I don't give investment, tax or legal advice, and I'll suggest you talk with those professionals when it makes sense.
Sí. Marvin habla español con fluidez. Complete el cuestionario y pida su llamada en español.
No. Your information is used only by Osuna Retirement Group to prepare your summary and contact you about it. We don't sell it.
Two minutes. Free. No obligation.