30+Years guiding retirees
Three interactive tools. No account set up required. Pick the worry that fits you and get a personalized, educational report on screen in seconds, at no cost.
Will your guaranteed income cover your monthly essentials? Find your monthly gap.
Will your money outlast you in a bad market? Stress-test it and see the odds.
Already own an annuity? Get a second opinion on what you own and what it costs.
All three tools run right here in your browser — no download, no account, and nothing leaves the page until you ask for your results.
“After years of sitting across the table from people on the edge of retirement, we learned the question that actually keeps them up at night isn’t “How’s my portfolio doing?” — it’s “Will I run out of money?”
For more than 40 years, Bruce J. Smith III has guided retirees and those approaching retirement through one of the most confusing decisions they'll face: the annuity. Today he leads a team with over 80 years of combined experience — alongside Bruce J. Smith IV and Chris Heaster, CFP®, who each bring 20-plus years designing annuity and retirement-income programs.
Together they built a proprietary competitive-analysis system (AnnuityDataPRO™) that shops a broad universe of companies and products, then organizes the choices around your primary goal — whether that's growth potential or retirement income. No single annuity fits everyone, so you receive a clear, documented, both-sides comparison instead of a sales pitch.
If you already own an annuity, they'll show you honestly whether a better fit exists — or whether you're best served by keeping exactly what you have.
If you're considering your first, they'll help you weigh every option with nothing hidden. Each recommendation is built on your best interest, never a quota, and always free of gimmicks and pressure.
This is annuity research the way it should be: thorough, transparent, and entirely client-first.
We never start with what to buy. We start with your retirement paycheck — what's guaranteed, what's at risk, and where the gap is. The right solution reveals itself once the need is clear.
I'll show you plainly how I'm paid, what every option costs, and the trade-offs involved — including when the smartest move is to do nothing at all.
Already own an annuity or have a plan in place? I'll give it a straight review. Sometimes that means confirming you're in good shape. My reputation matters more than any single sale.
Pinpoint the difference between your guaranteed income and your essential expenses — and build a plan to close it for life.
Handed a buyout offer? It's a one-time, irreversible choice. We weigh the monthly check against the lump sum carefully.
Large pre-tax balances can create surprise tax bills. We plan withdrawals to keep more of what you've saved.
An honest health check on what you already own — costs, surrender status, and whether it still fits your plan.
Retirement assets should transfer smoothly and efficiently. We help review beneficiaries, tax impact, and strategies to protect your family.
Many retirees care more about protecting wealth than chasing returns. We help structure assets with stability and downside protection in mind.
Bring your questions — about income, Social Security, an annuity you own, or just whether you're on track. The first conversation is always free, and there's never an obligation.
Schedule My Free Review