How It Works
Getting your personalized annuity quotes is simple
Answer a Few Questions
Tell us your age, investment amount, and income preferences. It only takes a couple of minutes.
Compare Illustrative Rates
See side-by-side quotes from top carriers like Allianz, Nationwide, Pacific Life, and more.
Consult With an Expert
Schedule a free consultation with a licensed, independent fiduciary advisor to review your options.
Types of Annuities
Understanding your options is the first step to securing your retirement income
Single Premium Immediate Annuity
Convert a lump sum into guaranteed income that starts right away. Ideal if you need income immediately in retirement.
- ✓Income begins within 30 days
- ✓Guaranteed lifetime payments
- ✓Simple, predictable income stream
Deferred Income Annuity
Lock in a future income stream at today's rates. The longer you defer, the higher your monthly payments will be.
- ✓Higher payouts through deferral
- ✓Lock in rates now for future income
- ✓Longevity protection
Fixed Indexed Annuity
Grow your money with market-linked returns while protecting your principal. Add an income rider for guaranteed lifetime income.
- ✓Principal protection from market losses
- ✓Growth potential linked to market indexes
- ✓Optional guaranteed income rider
Why Richon Planning?
Independent & Fiduciary
We work for you, not the insurance companies. As an independent fiduciary firm, we compare options from multiple top-rated carriers to find the best fit for your situation.
15+ Years of Experience
Richon Planning has guided hundreds of families through retirement planning. Our expertise means you get knowledgeable, personalized advice — not a one-size-fits-all solution.
No-Pressure Guidance
Use our free quoting tool to explore your options at your own pace. When you're ready, our licensed advisors are here to help — with zero pressure or obligation.