What’s an Annuity and Do You Actually Need One?
If you're turning 65 or helping someone who is, this page is for you...
Annuities can be a powerful way to create stable, guaranteed income in retirement—but only if they’re the right fit for your financial goals. The idea is simple: you put money in, and in return, you receive a stream of income that can last for years—or even for life.
But here’s the problem: annuities are often sold before they’re explained.
Many people sign contracts they don’t fully understand, with fees they didn’t expect, timelines they didn’t realize were locked in, and income options that don’t actually match their retirement needs. And once you’re locked in, it can be hard (and expensive) to get out.
That’s exactly why we created our Free Pennsylvania Annuities Guide, to take the mystery out of annuities and give you a clear, unbiased look at how they actually work. No complicated charts, no pressure, and no industry jargon—just the information you need to make smart, confident choices about your money and your future.
Words from People We’ve Helped
“The annuities page helped me understand something my financial advisor never explained well. This gave me real clarity about how to protect my monthly income.”
Tom M., New Castle, PA
“I downloaded the annuity guide thinking I’d probably just skim it, but I ended up reading the whole thing. It helped me realize I wasn’t asking my advisor the right questions.”
Paul R., McKees Rocks, PA
“I submitted my info thinking it would be like all the other sites—but it wasn’t. I wasn’t bombarded with calls, and the person I spoke to actually listened. That meant everything.”
Janet C., Reading, PA