How We Help
A focused review of the guaranteed income in your existing annuity — compared honestly against what’s available today.
Our services
Annuity Income X-Ray™ Review
A side-by-side comparison of the guaranteed lifetime income in your current contract versus what a modern annuity, priced on today’s interest rates, could guarantee.
Guaranteed Income Comparison
We look at guaranteed income against guaranteed income — never a comparison that trades away a guarantee you’re better off keeping.
1035 Exchange Evaluation
If a replacement genuinely improves your numbers, we walk through how a tax-free 1035 exchange would work for your specific contract.
Retirement Income Planning
Beyond a single contract review, we help clients think through guaranteed income as one piece of a broader retirement income plan.
What to expect
Share your current numbers
Carrier, year purchased, and the income your contract currently guarantees — about two minutes.
Review your Income X-Ray™
We compare your guaranteed income to today’s on a short call — no pitch, just the numbers.
Decide with no pressure
If it makes sense to change, we help implement it. If it doesn’t, we’ll say so — and that’s the end of it.
The Financial IQ and its representatives are licensed insurance professionals. 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.