The following are some of the most frequently asked questions by new investors. The answers are provided as information only. They are not offered as advice. For financial or legal advice, or any other questions or concerns, please contact your tax advisor, financial advisor and/or investment provider.

What services does IRA specialist offer?

We specialize in offering the best IRA & 401k Rollovers WITHOUT stock market risk! We are licensed with and represent the highest rated insurance carriers which allows us to “shop the market” and offer you the best product for your individual needs!

What’s the benefit of using Insurance Companies?

Peace of mind, because one of the biggest fears retirees have is running out of money during retirement!  Annuities offered by Insurance Companies are the only products that can offer you guaranteed lifetime income even when your account balance is reduced to a zero balance! If married, your spouse is also eligible for lifetime income under the spousal continuation program at no extra cost! Insurance Companies offer contractual guarantees and not market speculation. Banks, credit unions, brokerage firms, and stocks DO NOT offer lifetime income options, only Insurance Companies!

What is an Equity Indexed Annuity?

An Equity Indexed Annuity is NOT an investment but a product offered by Insurance Carriers which offer contractual guarantees!  A minimum rate of interest will always be credited along with participation in market gains but NEVER market losses! You always have the option of diversifying between various index accounts including a fixed account, S&P 500 index, DowJones industrial average, and Nasdaq 100.

Watch this video to learn more!

How safe are Equity Indexed Annuities?

Extremely Safe! Equity Indexed Annuities are backed by the reserves, capital, and surplus of the issuing Insurance Carrier and regulated by the Department of Insurance. We represent the highest rated insurance carriers on the market today, many of which are rated A+ (Superior) by A.M. Best, AA (Excellent) by Standard & Poor’s, and A+ (Outstanding) by Fitch, 3 of the most recognized independent rating agencies for Insurance Carriers.

What are the fees of an Equity Indexed Annuity?

There are no fees unless you want to add an optional income rider with an annual fee of 1.2%, far less than the 2 – 3% charged by most brokerage firms.

How can I receive up to a 20% match and how is this possible?

Insurance Companies are extremely competitive and offer tremendous incentives NOT offered by banks, credit unions, or brokerage firms. The 20% match is credited to your benefit base immediately which is used to calculate your lifetime income!  Lifetime income withdraws can begin after only 30 days!  This is possible because the benefit base is NEVER available in a lump sum but “income only” which is what most retirees need ….A guaranteed lifetime income stream you can NEVER outlive!

Can I consolidate my IRA or 401k plans and still receive a 20% match?

Yes, this is the perfect product for consolidating retirement accounts! Example: Assuming you have three 401k plans totaling $300,000, your Beginning benefit base will be $360,000 which can be used for lifetime monthly income after only 30 days! Other payout options are also available which vary between companies.

What happens if there's an emergency and I need all my money?

Some of the Insurance Carriers we work with offer ROP (return of premium) so at any time you could receive 100% of your initial deposit with no penalty or surrender charges! (premium bonuses and accumulated interest would be forfeited under this option)

What is the minimum require to start?

$50,000 is the minimum and $500,000 is the maximum. Individuals with more Than $500,000 must get company approval by submitting a financial suitability form.


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We work with some of the strongest, and safest companies on the market today!

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