HiWire Financial

HiWire Financial has never held an annuity seminar, but we get asked a lot of questions about content that was received during one.

Because of this, we created this free one pager to help you understand what follow up questions to ask and to help guide the next discussion. What type of annuity is this. What is my free look period, and what is the exact date it ends. What is the surrender schedule, year by year, and what happens to this money if I die during the surrender period.

If the answers are clear and the product still fits, that is a good sign. If you still have questions, it may be worth a second opinion.

The checklist is free and there is nothing to fill out. No email, no signup, no form. Download it, print it, and bring it with you. And if you are looking for a second opinion on a contract you have in hand, we are happy to help.

https://www.hiwirefinancial.com/blog/annuity-seminar-what-to-ask?utm_source=social&utm_medium=facebook&utm_campaign=annuity_seminar_free_dowonload

Making a decision confidently just feels better. We understand that only happens after all the questions have been answers and numbers discussed so we make it our mission to help you achieve that confidence. And yes, sometimes that means you confidently know an annuity is not for you.

Working with HiWire Financial means you can expect the following.

1. A real person gets back to you within one business day.
2. We explain how annuities work in plain language, which options fit what you are trying to do, and just as importantly, which ones do not.
3. We leave the high pressure sales tactics at the door and prefer the humans helping humans approach.
4. We are still here after the papers are signed. We're not going anywhere and are here to support throughout your annuity contract.

Want to chat or need a second opinion on a contract in hand? We're here to help.

hiwirefinancial.com/about-us

Did you go to an annuity dinner seminar recently and come home with a contract you are not quite sure about?

That is not a red flag. It just means it is a big decision, and a big decision deserves a second opinion.

Three things we would tell anyone in that situation.

Take the contract home and take a moment to reflect. A decision doesn't need to be made immediately. A good annuity contract will still be good tomorrow morning.

Make sure you understand the details, which means the surrender schedule, the fees and the dates, in writing.

Then get a second opinion. We can tell you if the product you were shown is one we feel is right for you, or if something else offers a better fit. HiWire Financial offers this with no strings attached.

No pressure, just information.

Read the full guide here: https://www.hiwirefinancial.com/blog/annuity-seminar-what-to-ask

Meet Raffi.

Before helping families with annuities, Raffi Zadoian spent his career building businesses. He was an owner-operator of a 30-location automotive repair company, and he built B2B partnerships with DoorDash before and after its IPO. Then came a different kind of problem worth solving: helping people make sense of retirement income.

Today he works as a Certified Annuity Specialist (CAS). With licenses in 18 states, he's focused exclusively on annuities and retirement income planning. His approach is refreshingly human. No jargon, no pressure, just clear education so you understand your options before you decide anything.

He puts it simply: "people make better financial decisions when they understand how their options work."

Originally from San Francisco, Raffi has called Greenville, SC home for the past six years. When he isn't working, he's at the gym, following sports, traveling, or tracking down a great restaurant, most often with his family and their dog.

Annuities are a big decision. It helps to work with someone who treats you like a person, not a policy.

Meet Raffi → https://hiwirefinancial.com/raffi-zadoian

This is the whole job, in three lines. Plan for your future, protect the people you love, and then give yourself permission to actually enjoy what you've spent a lifetime building. Retirement should feel like a reward, not a worry.

Meet Nicholas D'Amours → https://www.hiwirefinancial.com/nicholas-damours?utm_source=social&utm_medium=facebook&utm_campaign=quote_plan_protect

Myth: once you buy an annuity, your money is locked up forever.

It's a myth that sticks because it has a kernel of truth. Many annuities do include surrender periods, but "locked up forever" is a stretch. A lot of contracts let you withdraw a limited amount each year without any penalty, and some include income features or liquidity options specifically designed to give you access to your money when you need it.

An annuity is neither a magic solution nor a trap. It's a tool, and the decision deserves better than a myth.

Read the full breakdown of this and three more common myths → https://www.hiwirefinancial.com/blog/common-annuity-myths?utm_source=social&utm_medium=facebook&utm_campaign=myths&facts_lockedup

Before seeing rates or even deciding if an annuity is right for you, your first step is choosing a partner to explore your options with.

Did you know that a captive agent ties you to that company's products, while working with an independent agent opens your options to products from dozens of carriers.

For a decision that should be personalized to your needs, getting locked into one carrier could mean missing out on a better-suited solution.

At HiWire Financial, we have access to products from 40+ carriers, so we can find the solution that actually fits your goals.

If you'd like to learn more, reach out to Nicholas D'Amours. He's ready to help.

https://www.hiwirefinancial.com/independent-specialist?

Sometimes there's freedom that comes from the boring financial decisions.

Not everyone wants their retirement riding the market's ups and downs. Some just want the predictability of knowing what they will get, and when they will get it.

That's a MYGA. boring on paper. Freeing in real life.

https://www.hiwirefinancial.com/blog/what-is-a-myga?utm_source=social&utm_medium=facebook&utm_campaign=bull_bear_idc