We investigate hundreds of retirement annuities from top-rated insurance companies to find the right fit for your goals, whether that’s more guaranteed income, growth without market risk, or both.
A clear, four-step path from “I’m curious about annuities” to “I know which one fits my retirement.”
01
Review
We start by understanding your retirement goals, timeline, and what you already have in place.
02
Calculate
We run the numbers across hundreds of annuity products to see what each carrier would actually offer you.
03
Recommend
You see the top three options side-by-side, with the trade-offs and fine print explained in plain English.
04
Retire
You move forward with confidence, knowing exactly why your strategy was chosen.
How We Are Different
No brochures. No pressure. Just clarity.
We focus relentlessly on three things, and we leave the fancy charts, jargon, and steak dinners to everyone else.
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01 · The Top-Tier Shortlist
Only the annuities worth your time.
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.
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.
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.
Palm Wealth made my retirement planning simple and clear. Connor took the time to explain every option and helped me feel confident about my financial future.
Michael TurnerRetired, FL
I appreciated how transparent and straightforward Palm Wealth was. They explained complex financial topics in a way that actually made sense.
Anthony RussoPre-retiree, NJ
Palm Wealth helped me create a long-term plan that balances growth and protection. I feel much more confident about my retirement.
Stephanie MorganRetired, TX
Meet the Founder
Connor Cedro
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.
Annuities are financial products offered by insurance companies that convert your retirement savings into a guaranteed income stream. Depending on the type, fixed, variable, fixed indexed, or deferred income, you can receive guaranteed lifetime income, tax-deferred growth, and protection from market declines. They’re typically used to ensure you have enough predictable income to cover expenses throughout retirement.
Fixed annuities provide a guaranteed rate of return and predictable payments. Variable annuities are tied to market performance, so your account value fluctuates and you can lose money. Fixed indexed annuities sit in between. Your principal is protected, but growth is linked to a market index with a cap.
Annuities grow tax-deferred. You don’t pay taxes on earnings until you withdraw them. Withdrawals are taxed as ordinary income, not capital gains. Early withdrawals before age 59½ may incur surrender charges and a 10% IRS penalty. Always consult a tax professional for advice specific to your situation.
Start with the financial strength of the issuing carrier (A.M. Best, S&P, Moody’s ratings), then look at fees, surrender period, any caps or participation rates on growth, and the specific riders (income, death benefit, long-term care). Independent reviews matter more than the carrier’s marketing brochure.
Most annuities include a death benefit that passes the remaining contract value or specified amount to your beneficiaries. Some contracts let you elect joint or survivor income that continues to a spouse. The specifics vary by contract, so it’s worth reviewing them carefully alongside the rest of your estate plan.
Take control of your financial future.
A 15-minute conversation is enough to know whether an annuity belongs in your retirement plan. No pressure, no jargon.
