Disclosures

Educational information only

Content on secureretirementplanner.com is for general education. It is not personal tax, legal, investment or insurance advice. Tax rules and limits change, and how they apply depends on your full situation. Talk with a qualified tax professional before making a Roth conversion.

How we're paid

When you request a free estimate, the information you provide is shared with a licensed financial or insurance professional who may contact you. That professional may earn a commission if you buy an insurance product, such as an annuity, and we may receive compensation for the referral. You are never required to buy anything.

Annuities

• Annuities are insurance contracts. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company.
• Annuities are not bank deposits, are not FDIC insured and are not insured by any federal government agency.
• Fixed index annuities are not investments in the stock market or an index. Interest credited is subject to caps, participation rates or spreads that can change.
• Most annuities have surrender charges if you withdraw more than a set amount during the first several years. Bonus annuities may have longer surrender periods, lower caps or bonus recapture.
• Optional riders, such as income riders, usually carry an extra annual fee.
• An annuity held inside an IRA or Roth IRA provides no additional tax deferral beyond the account itself.

Calculators and examples

Our calculators and examples are estimates based on published 2026 federal figures and the assumptions shown. They don't include every tax rule, credit or state tax. Real results will differ.

Not affiliated with the government

We are not affiliated with or endorsed by the IRS, CMS, Medicare, the Social Security Administration or any government agency.