Annuities That Secure
Your Retirement Income
Convert part of your nest egg into a predictable, lifetime
income stream designed to cover essential expenses and
reduce longevity risk. We evaluate annuity solutions only
when they strengthen your overall plan.
AMP Retirement
THE BAR IN THE INDUSTRY
Why choose us?
Are you someone struggling to grow your Annuity business?
Product-neutral recommendations
We evaluate fixed, indexed, and variable annuities across carriers to find the best fit or client goals.
Clear trade-off analysis
Transparent comparisons of guarantees, surrender periods, fees, and liquidity so clients make informed decisions.
Full-service implementation
Illustrations, paperwork, carrier submission, and client onboarding — reducing friction and increasing conversions.
Simple, Strategic,
and Values‑Aligned Financial Planning
Dependable Income You Can Count On
Convert part of your portfolio into a predictable lifetime paycheck—designed to cover essentials and reduce longevity risk.
Smart Payouts, Not Surprises
We choose the right payout structure and riders so you get guaranteed income without hidden fees or unnecessary surrender penalties.
Income That Protects Your Legacy
Balance guaranteed lifetime income with liquidity and beneficiary options so you can enjoy retirement while preserving inheritance goals.
Reliable Income, Smarter Retirement
Annuities offer guaranteed, predictable income—for life or a set term—so essential retirement expenses are covered even if markets fall or you live longer than expected. We evaluate the types (fixed, variable, indexed, and immediate), payout options (single life, joint, period certain), fees, liquidity needs, and inflation protection to match a product with your cash-flow goals and risk tolerance.
Our recommendations focus on maximizing reliable income, minimizing unnecessary costs, and integrating annuities with your broader withdrawal, tax, and legacy plan so you keep flexibility while securing financial peace of mind.
Could an FIA be right for you?
There are several potential costs and limitations to think about before purchasing an FIA:
Surrender Charges:
The premium you use to purchase an FIA is not liquid, meaning you may not be able to withdraw it from the annuity without incurring surrender charges, which are penalties levied against withdrawals made before the date stated in the annuity contract.
Commissions:
If you purchase an annuity from a financial professional, that financial professional earns a commission. Commissions are built into the cost of the product and are paid by the insurance company directly to the financial professional.
Rider Fees:
There are various optional riders that you can purchase with an annuity that provide additional benefits. For example, income riders can enhance your lifetime income stream in various ways. However, riders may come at additional costs.
Caps:
A cap is an upper limit put on the maximum interest rate credited over a certain time period. If the index increase exceeds the cap, the cap is used to calculate the credited interest. For example, if the index increases 10 percent but the annuity had a cap of 3 percent, the annuity would be credited 3 percent.
1350+
PARTNERS
700+
Monthly appointments
We are here to help you grow your business
Whether you’ve just joined Aion Retirement or have been with us for years, our dedicated team focuses on each stage of your client acquisition pipeline. It begins with an Account Manager who onboards you onto our platform within 7 days of joining.
Frequently asked Questions
Do you have any questions? We are here for you.
What is an annuity and how does it work?
An annuity is a contract with an insurance company that converts a lump sum into a stream of future income, either immediately or after a deferral period. You can buy an annuity with funds from an IRA/401(k) rollover or other sources. The insurance company guarantees payments per the contract terms, with guarantees backed by the insurer’s financial strength (not by the FDIC).
What should I bring to the discovery call?
Recent plan statements (401(k)/IRA), Social Security projections if available, list of other retirement assets, and CPA contact info.
What should I bring to the Discovery Call if I’m considering an annuity?
Bring recent account statements (401(k), IRA), pension documents, Social Security estimates, recent tax return, list of priorities (income needs, legacy preferences), and CPA contact info. This helps us evaluate rollover options, tax timing, and product suitability.
Can I roll my 401(k) directly into an annuity?
Often yes — via a direct trustee-to-trustee rollover into an annuity held in an IRA or plan-allowed annuity. We verify plan rules and provider acceptance, then manage the transfer to avoid taxable distributions.
What types of annuities are available and which is right for me?
Matches personalized recommendations based on goals and risk tolerance.
How do you evaluate annuity providers?
Explain criteria (financial strength, fees, product features, surrender terms, rider availability).
Can I withdraw money after the rollover?
Ongoing management includes discussing withdrawals, penalties, and strategy changes.
Whether you’re seeking a financial
advisor or exploring our free and personalized financial calculators, Aion Retirement is your go-to destination
for a secure and confident retirement. Let’s shape your financial future together.