Step 1: Learn and Talk
Call or send the form. We talk about your age, your savings, when you want income to start, and what you want the money to do. About 20 to 30 minutes. Plain words throughout.
Step 2: The Suitability Review
Before I show you any product, I check that it fits. Your needs. Your timeline. Your comfort with lock-ups. Florida law requires me to put your needs first — and I do. If nothing fits, I will tell you that straight.
Step 3: See Real Products
I show you the actual contracts I can offer — from the carriers that have appointed me. Caps, rates, floors, surrender schedules, fees. All of it, from the carrier's own materials. You see what I see.
Step 4: Apply
The application is straightforward. Personal details, beneficiary picks, funding source. I walk you through every line.
Step 5: The 21-Day Free-Look
When your contract arrives, Florida's 21-day free-look starts. You may cancel a new annuity contract within 21 days of receiving it for a full refund. Read every page. Ask me anything. No rush.
After that: your money enters its growth phase, or your income checks begin — per the contract you chose. And I stay reachable for the life of the contract.
Frequently Asked Questions
How long does the process take?
The talk takes under an hour. Applications often process within days to a couple of weeks. The free-look adds 21 days of thinking time after the contract arrives.
What do you need from me?
Honest answers about your goals and timeline. I do not need account numbers or passwords — never share those on a website or by email.
Can I change my mind after applying?
Yes — the 21-day free-look is exactly for that. Cancel within 21 days of receiving the contract for a full refund.
Do you check that the product fits me?
Yes. Florida requires it, and I do it anyway. If the fit is wrong, I say so — even if it costs me the sale.