We research annuities from 38 insurance carriers and publish what we find — ratings, costs, surrender terms, and the fine print — so you can tell whether one belongs in your retirement at all.
Three ways to get clarity on whether an annuity belongs in your retirement plan. Pick the one that fits where you are.
Answer a few simple questions and instantly see which annuity types match your retirement goals and risk tolerance.
Take the quiz →Get a straight answer to your annuity question from Palm Wealth, not a high-pressure sales pitch.
Send a question →Sit down with Connor for a one-on-one walk-through of your existing portfolio and the annuity options that fit it.
Book a review →A clear, four-step path from “I’m curious about annuities” to “I know which one fits my retirement.”
We start by understanding your retirement goals, timeline, and what you already have in place.
We run the numbers across hundreds of annuity products to see what each carrier would actually offer you.
You see the top three options side-by-side, with the trade-offs and fine print explained in plain English.
You move forward with confidence, knowing exactly why your strategy was chosen.
We focus relentlessly on three things, and we leave the fancy charts, jargon, and steak dinners to everyone else.
There are thousands of annuity products on the market. Most are mediocre, expensive, or built to pay commissions instead of deliver outcomes. We focus on the small subset of products from financially strong carriers that actually perform.
See the shortlist →Sometimes the best advice is “don’t buy this.” We explain fees, surrender periods, and trade-offs upfront, and if your situation doesn’t call for an annuity, we’ll say so. That’s the entire point of independent guidance.
Read our approach →The right product depends on your age, your other retirement assets, your income needs, and how much market risk you can stomach. Every recommendation is built around those specifics, not a sales target.
Get your strategy →In-depth, unbiased breakdowns of the most popular fixed indexed and variable annuities. Fees, riders, payout rates, the works.
We would rather show you exactly what happens on a call than print a quote you have no way to verify.
The illustration, the statement, or the proposal you were handed. Nothing else — no account balances, no Social Security number, no application.
Current AM Best rating and outlook, surrender schedule, any market value adjustment, the guaranteed rather than illustrated crediting terms, and what the rider actually costs each year.
What the contract does well, what it costs, what would have to be true for it to be right for you — and, often enough, that you do not need it. There is nothing for us to sell you at the end.
Born in Palm Beach, Connor founded Palm Wealth on a simple idea: financial advice should be straightforward, thoughtful, and tailored to each client. Not packaged into a product someone else wants to sell.
He works directly with individuals and families to understand their goals and build retirement strategies designed for long-term security, with a particular focus on the role annuities can play in protecting income.
Fifty-seven guides and 38 carrier reviews, organised by the question you actually have rather than by product category. And if you’d rather check our work than read it, every source we cite is listed too.