At any Stage of Life – Protection of Assets is Invaluable




At Hearn Wealth Management LLC, we understand that finding the right annuity can seem complicated and difficult to do. When chosen carefully annuities can protect you against outliving your money and protect against stock market volatility:  features which are not available in traditional stocks or mutual funds accounts. But with this protection may come additional costs, restrictions and fees, which you must review before considering buying an annuity.

Our mission is to educate investors about annuities and life insurance.

With Hearn Wealth Management LLC, you will have access to reputable annuity professionals who share in our mission of educating consumers and in providing unbiased information regarding annuities. We have the privilege of working with some of America’s most experienced agents. They can easily compare all the annuities among the top companies to help find the right annuity for you.

Get started now by spending only 30 seconds of your time to fill out this free form and gain access to annuity professionals. Ensure you make the right decision for you and your family by getting the latest and most accurate annuity information.

Things to Consider

While a fixed annuity can remove market risk from your returns, there are other risks to consider when deciding if a fixed annuity is for you.

  • An annuity's "guarantee" is only as strong as the insurance company that issues the annuity. There may be state guarantees in the event of an insurance company's failure, but annuities are not guaranteed by the FDIC, SIPC or any other federal agency if the insurance company that issues the contract fails.
  • Payments in a fixed annuity typically do not have cost-of-living adjustments to keep pace with inflation, so the value of the money you receive in your payments may decline over time. Annuities with inflation protection can be purchased but the cost, in general, is significantly higher.
  • If there are changes to your fixed annuity and you want to withdraw your money early, you could incur surrender charges that cut into your returns.


The following resources provide additional information about fixed annuities, their risks and benefits, and whether this type of investment is the right choice for you

Informative Articles:

A New Retirement Formula

Annuities Explained 

Annuity Myths

Using Annuities to Offer Protection when the Markets go down

Annuity Language and Glossary

Choosing an Annuity Right for You

How a deferred Annuity Fits

Is an Annuity and Investment or Insurance

Making Annuities Easier to Understand

Managed Money and Annuities

Outliving your income

The 4% Rule: An Unacceptable Risk