You own an annuity. Do you know what you own?
A plain-English review of the contract in your drawer — the fees, the riders, the surrender schedule. No obligation to buy anything.
How owners end up in the dark
You bought it 5 to 15 years ago, through an advisor you no longer speak to.
Nobody has explained it to you since — the statements just get filed.
You’re unsure of the fees, what the riders do, or where you sit in the surrender schedule.
You inherited it from a spouse or parent, and never met the agent who sold it.
Annuities aren’t good or bad. They’re tools — and yours should still fit.
The questions that actually matter
What kind of annuity is it?
Fixed, indexed, immediate, deferred — each behaves differently. Variable annuities we identify and refer on.
What does it cost?
Mortality and expense charges, rider fees, sub-account fees, and the internal costs you may not know about.
What do your riders do?
Income, death benefit, and long-term care riders — what each actually does versus how it was sold.
Where are you in the surrender schedule?
What you can withdraw penalty-free, and when the schedule ends.
What is the death benefit?
Many owners assume the full account value passes on. The real answer is in the contract.
- A plain-English summary of what you own
- A yearly fee and cost breakdown
- Your surrender-schedule exit options
- A rider analysis of what they’re worth
- A clear recommendation you can act on
- Own one or more annuities
- Bought through a previous advisor years ago
- Unsure of the fees, riders, or surrender date
- Recently widowed and inherited a contract
- A Northeast transplant wanting a local advisor
Four simple steps
Call or book
Call (386) 402-4626 or schedule online.
Bring your statement
Your most recent annuity statement is enough to start.
Discovery meeting
Free, about 45 minutes, at our downtown office.
Written summary
A clear picture and a recommendation, if one is warranted.
Annuity review questions
Is there really anything to review?
Yes. Riders activate at certain ages, surrender schedules end, and the original sales rationale may no longer apply.
What is a 1035 exchange?
A tax-free transfer between annuities. It may create a new surrender period and fees, so any recommendation comes with disclosure documents comparing both contracts.
Will the review cost me anything?
It’s complimentary, with no obligation to do anything afterward.
What if my annuity is actually fine?
Then we tell you so, and you leave with a clearer picture. Many reviews end exactly this way.
Do you work with people outside New Smyrna Beach?
Yes — Edgewater, Port Orange, Daytona Beach, Ormond Beach, DeLand, Deltona, Palm Coast, Sanford, and the rest of Volusia County.
Know what you own before you decide what to do with it.
Bring your annuity statement to a free 45-minute review, or call our New Smyrna Beach office.
Office: 112 N. Orange Street, New Smyrna Beach, FL 32168 · Mon–Fri, 9:00–5:00
Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), a Registered Investment Adviser with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Steven L. Rich is an Investment Adviser Representative of Signal Wealth. Insurance products are offered through New Smyrna Beach Retirement Solutions (“NSBRS”), which is not affiliated with Signal Wealth. Investing involves risk, including the potential loss of principal. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Fixed annuity recommendations are subject to Florida’s best interest standard under Florida Statute 627.4554; required disclosure documents are provided prior to any recommended exchange. This is for informational purposes only and is not investment, tax, or legal advice.