A retirement you actually look forward to.
The Reality
Most people know they should be planning for retirement and have no idea where to actually start. Between employer plans, savings accounts, and looming questions about Social Security, it's easy to put the conversation off another year. We help you take the first real step.
What We Offer
Retirement isn’t one-size-fits-all, and it doesn’t have to be complicated
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Understanding where you stand today and what gaps exist
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Exploring how your savings, Social Security, and other income sources may work together
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Guaranteed, predictable income options to help protect your retirement savings
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Guidance on IRAs funded through fixed indexed annuity products
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Help evaluating and rolling over an old 401(k) or IRA into a fixed annuity product, when that fits your goals
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Making sure your life, health, and Medicare planning support your retirement timeline
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Connecting you with the right licensed professional for securities-based investments (stocks, mutual funds, variable products) or full investment advisory services
Our Approach
We're licensed to offer fixed annuities and to help you evaluate rolling retirement savings into insurance-funded IRA products — and we're upfront about where that scope ends. Fixed annuities aren't the right fit for everyone, and if your goals point toward securities-based investing or full investment advisory services, we'll say so and connect you with a trusted, licensed professional in our referral network. Either way, we help you see the full picture and make sure your insurance and retirement plans work together.
Who This Is For
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Anyone within 5–15 years of retirement wanting a clearer picture
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People who haven't reviewed their retirement strategy in years
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Individuals with an old 401(k) or IRA wondering whether a rollover makes sense
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Retirees and near-retirees who want guaranteed, predictable income they can't outlive
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Individuals coordinating retirement timing with Medicare eligibility
How It Works
Free consultation to talk through your goals and current savings picture
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We review whether a fixed annuity or an insurance-funded IRA rollover fits your situation
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Where your needs go beyond fixed annuities — securities, mutual funds, full advisory services — we refer you to a licensed advisory professional
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We stay involved to keep your insurance coverage aligned with your retirement plan
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Common Questions
Are you a financial advisor?
We are a licensed insurance agency, licensed to offer fixed annuities and insurance-funded IRA products. For securities-based investing or full investment advisory services, we partner with licensed professionals and will refer you to a trusted partner in our network.
Should I roll my old 401(k) into an annuity?
It depends on your goals, timeline, and what you're rolling out of. A fixed annuity can offer guaranteed income and protection from market loss, but it isn't the right fit for every situation or every dollar. We'll walk through whether it makes sense for you — and if it doesn't, we'll tell you that too.
What's the difference between a fixed annuity and a variable annuity?
A fixed annuity offers a guaranteed rate of return and predictable income, and it's what we're licensed to offer. Variable annuities are tied to market performance and require securities licensing to sell — if that's a better fit for your goals, we'll refer you to a properly licensed professional.
Can you help me open a Roth IRA?
We can help with Roth and Traditional IRAs funded through fixed annuity products. If you're looking for a self-directed or securities-based IRA (mutual funds, ETFs, individual stocks), that falls outside our insurance license, and we'll connect you with a licensed advisor for that piece.
What age should I start planning?
Now. The earlier the conversation starts, the more options you have — but it's never too late to build a clearer plan.
How does retirement planning connect to Medicare and life insurance?
Your retirement timeline affects when you'll need Medicare, how much life insurance coverage still makes sense, and how your income needs shift. We look at the whole picture together.
Let's talk about the retirement you're building toward.
book time to talk through your options.
Live Soulfully Wealth and Wellness Collective is a licensed insurance agency. Fixed annuities are insurance products, not securities or investment advisory products, and are not FDIC insured. Guarantees are backed by the claims-paying ability of the issuing insurance carrier. We do not provide securities-based investment advice; guidance on Roth and Traditional IRAs and retirement account rollovers on this page is limited to insurance-funded (fixed annuity) products. For securities-based investments or full investment advisory services, we refer clients to licensed third-party professionals. [Flagged for compliance review: confirm state-specific annuity suitability/best-interest requirements (e.g., NAIC Suitability in Annuity Transactions Model Regulation) and rollover-specific disclosure obligations before publishing.]