About The Financial IQ
We help owners of older annuity contracts find out — with no pressure and no obligation — whether today’s higher interest rates mean their guaranteed income could be meaningfully higher too.
An annuity’s guaranteed income is priced on the interest rates available the day it was issued. Contracts bought when rates were near zero were, by design, priced conservatively. Rates are far higher today, and many contracts purchased years ago can be replaced with a modern contract that guarantees meaningfully more lifetime income — often 30–60% more — using the same type of guarantee the owner already understands.
We’re not in the business of telling people their existing annuity is bad. Many contracts are still an excellent choice for the person who owns them. Our only job is to show you, side by side, where your specific contract stands against what’s available today — and if what you already have is still your best option, we’ll tell you that directly.
Kevin M. Fink
30-Year Retirement Income Specialist
Kevin has spent three decades helping families plan for retirement income, working directly with more than 1,000 households and reviewing over $150 million in retirement savings over the course of his career. His focus for this program is comparing the guaranteed income of older annuity contracts against what’s available in today’s rate environment, so clients can see clearly whether a change is actually worth making.
Dan Goodmanson
Financial Professional, Solid Rock Financial Group
Dan is a licensed insurance professional who works alongside Kevin to evaluate and, where it makes sense, implement annuity replacement strategies for clients. He handles the licensing, carrier relationships, and case work required to move a contract from an older annuity into a modern one via a tax-free 1035 exchange.
The Financial IQ and its representatives are licensed insurance professionals. We do not sell securities and are not affiliated with a broker-dealer. Annuity guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company; they are not insured by the FDIC or any government agency. Replacing an annuity may involve surrender charges, a new surrender-charge period, and loss of existing benefits; any recommendation is made only after a documented suitability and best-interest review. This is not tax or legal advice.