Frequently Asked Questions

A fiduciary is legally and ethically required to put your best interests first. At Texas Annuity Solutions, our fiduciary-guided approach means we don’t represent a single insurance company — we represent you. Every recommendation is based on your goals, risk tolerance, and retirement timeline, not commissions or incentives.

Annuities can provide predictable, guaranteed income that lasts as long as you do — but they can also do much more. Many modern annuities include options for long-term care coverage, skilled nursing, or in-home healthcare benefits, helping protect both your income and your independence. In addition, annuities often include a death benefit for your loved ones, ensuring your hard-earned savings are passed on, not lost. With the right strategy, annuities can be a cornerstone of a secure and flexible retirement plan.

It all begins with a 15-minute initial call to review your goals, current retirement income, and available options. No sales pitch, just clarity. From there, your advisor will compare annuities from multiple carriers using independent software to find the best fit for your needs and comfort level. Whether you’re ready to purchase or simply want to learn more, our goal is to make retirement planning simple, transparent, and stress-free.

Some annuities on the market are downright terrible — but with a fiduciary annuity expert, you’ll never risk losing your money to an insurance company. In fact, many annuities offer a death benefit to protect your loved ones and guaranteed income you can’t outlive. A fiduciary advisor will align your goals and income needs with A-rated carriers, ensuring your plan is built on safety, suitability, and integrity — not commissions.

There is no one-size-fits-all answer — and there shouldn’t be. A fiduciary advisor will look at your entire retirement picture before recommending how much (if any) you should place into an annuity. We consider:

• Your overall portfolio

• Your retirement income needs

• Whether you want a death benefit or spousal benefit

• How the annuity will complement your Social Security or pension

• How much liquidity you want to maintain

• Strategies to help minimize taxes in retirement

Some retirees only need a portion of their assets allocated to an annuity; others benefit from a larger allocation. Our job is to help you strike the right balance of income, safety, and flexibility — not to push a product.

Annuities are often far less expensive than people think — and in many cases, they can be cheaper than mutual funds or other investments.

Here’s the truth:

• Many fixed and accumulation-focused annuities have no fees at all.

• When an annuity does have a fee, it’s because you’re receiving a valuable benefit, such as enhanced income riders, long-term care benefits, or even an 18% income bonus.

• A fiduciary advisor will walk you through all fees openly and transparently, so you know exactly what you're paying for and why.

Beware of sales agents who are vague about costs. Fees should always be clear, direct, and easy to understand — and with a fiduciary annuity expert, they will be.

Possibly — but the right choice depends entirely on your income needs, taxes, and long-term goals. A fiduciary advisor will review your full retirement picture to determine whether a 401(k) or IRA rollover into an annuity makes sense, or whether a Roth conversion could help reduce taxes later in life.

Key considerations include:

• Your current and future tax brackets

• Whether you want guaranteed lifetime income

• Your desire to leave a tax-efficient legacy to heirs

• Whether you’d benefit more from tax-free Roth income or protected annuity income

• How these strategies complement your Social Security and pension

There is no one-size-fits-all answer — but with fiduciary guidance, you can build a strategy that balances income, safety, and tax efficiency throughout retirement.