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Based on your answers an annuity may or may not be right for you! 

Thank You for taking our Annuity Quiz!


You Scored  in the Middle Category 

of an Annuity Fitting Your Needs.

No matter where you are in your plan for retirement, there is only one way to truly determine if an annuity is right for you, and it begins with a personal evaluation.


If we determine that an annuity would be the right fit for your personal plan

Then, we will review the opportunities with all the carriers to analyze the features and benefits of each plan, and which type of an annuity because all annuities are not created equal.  In fact, many may perform and function completely different.

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According to a 2016 Retirement Income Strategies and Expectations survey, Running out of Money during retirement Is the TOP concern for many retirees. Did you know that when you use an annuity with the right features and benefits you can guarantee you will NEVER run out of money

The fact is, over the past few years the feature and benefits of a quality annuity plan has changed dramatically. And, even If you already own an  annuity, the one you have may no longer be the right or the best one for you.  At Financial 411 we can determine whether your existing annuity contract could be upgraded to help you obtain

1. Better growth potential,

2. Higher income, and potentially

3. Greater flexibility

(such as the need for access or greater income in the the event of a critical or chronic illness. 

That's why we say, all annuities are not alike! 


Don't make an almost irreversible decision by signing the wrong annuity contract! One with inferior income guarantees, or laden with fees that may cost tens thousands of dollars every year.

Let’s face it, annuities can be complex and confusing to the uninformed consumer, and you know what? It can be confusing to some of the agents that sell them!  Annuities should never be sold!  They should be used as a tool to assist you to meet your retirement plan needs in the most efficient manner. 

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Annuities have become increasingly popular with retirees as pensions have become a thing of the past. How do you know that is true, When we did a simple search of “annuities” on Google, their results indicated more than 42,000,000 searches for annuity-related information! 

At Financial 411, we don't work for any company, and we have no allegiances!  We work for You... mapping out a plan of action for your future with our GPS (Goals, Planning & Solution) System.


We'll look at your entire circumstances to make sure that you are getting the best plan of action to meet your specific needs.  Much like the game of football, Retirement planning has 2 halves...

a. The accumulation phase or the first half, and the  the distribution phase the second half.  And, while many agents focus only on the first half, the second half may actually be more important..


So, Has anyone shown you how the second half of your retirement plan should work? Have you ever heard the expression, "What you don't know, can't hurt you?" Well, when it comes to your money...  What you don't know, can hurt you!

In fact, just one mistake may cause as much as 85% of your social security to become taxable instead of tax-free income.

Learning the facts about annuities & retirement planning starts with the easiest part of the process. Simply, click on the link below and schedule your fee Consultation. 

Click on the link below to see our article in FORBESTM Magazine

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Here's Exactly What To Expect During your Personalized Free Consultation


Receive, honest annuity guidance, without any pressure or obligation to buy anything.

It's conveniently done over the phone so no one is coming to your home, and there is no need to drive to an office.

Your information is kept confidential, secure and only used to hel[ point you in the right direction

How to properly combine annuities together to maximize your annuity benefits and achieve your ideal retirement lifestyle...regardless of market conditions.

See a mathematically determined approach for selecting annuities to get more income, growth and preservation of capital so you can achieve a financially free retirement.

How to satisfy Required Minimum Distributions (RMDs) and maximize long term growth tax advantages with annuities.

Simple methods to choosing low cost annuities that preent your retirement account from getting fleeced with high fees.

Review, rank and compare all of the top low-cost annuity options available in your state, based on numerous factors such as our age, state, marital status and the dollar amount.

See how to "synergistically' combine multiple annuities to maximize income and benefits than you were ever intended to receive (few annuity sales agents know this "little-known' strategy).

About Me


My name is Robert Goldsmith, President of Financial 411 & Financial 411 Advisors.  As a licensed Professional for more than 30 years, I have assisted individuals like you to achieve financial security nationwide.  Additionally, I have mentored nearly 1800 advisors to learn how to do what is right for their clients.  The fact is, most advisors simply "sell products" we teach you how to "USE" products to get the maximum results for all you have worked for.  

Recently, My wife Deanna & I wrote an article appearing on the FORBES website entitled "Should Your Retirement Crash?", an interesting look at how & why is is important to coordinate all your financial plans to work as one cohesive unit, rather than function separately. The results, you receive can be the difference between the lifestyle you deserve or one you settle for.   


Schedule Your Free Consultation by clicking on the link below. 


As promised click below to get your FREE copy of The Annuity Guide Book

"Diversiy and Prosper without Market Risk"

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Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances.

Annuities are long-term investments. Guarantees are subject to the claims paying ability of the issuing insurance company. Annuities contain mortality, expense charges, account fees, management and administrative fees, and charges for features and riders. Additional fees apply for living-benefit options. Investment restrictions may also apply for all living benefit options. Violating the terms and conditions of the annuity contract may void guarantees.Withdrawal of earnings will be subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal tax penalty. Withdrawals can lower the cash value and decrease death benefits. Surrenders before the end of the annuity’s term can result in a loss of principal. Variable products are sold by a prospectus. Consider the investment objectives, risks, charges, and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. Prospectuses may be obtained from the investment company or from your registered representative. Please read the prospectus carefully before investing. The sub-accounts in a variable annuity fluctuate with market conditions and when surrendered the principal may be worth more or less than the original amount invested.

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We Value the opportunity to discuss methods we can employ (generally, rarely employed by many advisors) with regards to how we can help you strengthen your financial future. Please contact us today to schedule a free - no cost, no-obligation strategy session.

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