Turn your savings into income you can’t outlive.
ASJ helps Arizona and California retirees build a dependable income floor — so market swings don’t decide how you live in retirement.
Two ways to spend down savings
Illustrative concept only — not a projection of any specific product.
A paycheck that keeps coming after the paychecks stop.
The hardest part of retirement isn’t growing money — it’s making it last. An annuity can convert part of your savings into income you can count on, no matter how long you live or what the market does.
Income for life
Structured correctly, an annuity can pay you for as long as you live — turning longevity from a worry into a plan.
Protection from downturns
Fixed and fixed indexed annuities are designed to protect your principal from market losses, helping you sleep at night.
Tax-deferred growth
Earnings in a deferred annuity can grow without current income tax until you withdraw, depending on your situation.
What people actually use them for.
ASJ focuses on two protection-first annuity types — fixed and fixed indexed. Here’s where each tends to fit in a retirement plan.
Build a personal pension
Convert part of your savings into predictable income that can last the rest of your life.
Protect principal
Shield a portion of savings from market downturns while it still has room to grow.
Roll over retirement accounts
Move a 401(k), 403(b), or IRA into protected, tax-deferred growth without a taxable event.
Grow tax-deferred
Let earnings compound without current income tax until you take withdrawals, based on your situation.
Bridge to Social Security
Use guaranteed income to help delay claiming and potentially increase your lifetime benefit.
Leave a legacy
Pass a death benefit to your beneficiaries, often without the delays of probate.
Fixed vs. fixed indexed annuity.
Both protect your principal from market loss. The difference is in how your money grows.
| How they compare | Fixed Annuity | Fixed Indexed Annuity |
|---|---|---|
| How growth works | A set, declared interest rate set by the insurer. | Interest linked to a market index, subject to caps or participation rates. |
| Principal protection | Protected from market loss. | Protected from market loss. |
| Growth potential | Predictable and steady. | Potentially higher, but limited by caps. |
| Rate certainty | Known rate for the term. | Varies with index performance. |
| Often suited for | Savers who want certainty and simplicity. | Savers who want protection plus more growth potential. |
| Lifetime income option | Available. | Available. |
Which option fits depends on your goals, timeline, and comfort with rate variability. We review both — and confirm an annuity is suitable for you at all — before recommending either. Features vary by carrier and by state.
Three honest steps. No pressure.
Tell us about you
Answer a short survey about your savings, timeline, and goals. It takes a few minutes and there’s no cost or obligation.
We review suitability
A licensed agent reviews whether an annuity is appropriate for you under the NAIC best-interest standard — and tells you if it isn’t.
You decide, clearly
If it fits, we compare carrier options and walk through the details — features, costs, and surrender terms — before anything is signed.
Local guidance for Arizona and California retirees.
Annuity rules and consumer protections differ by state. We work within each state’s requirements so your recommendation is compliant and right-sized for where you live.
Annuities in Arizona
- Recommendations follow Arizona’s adoption of the NAIC best-interest suitability rules.
- Free-look period lets you review your contract and cancel for a refund within the state-required window.
- Helpful for Valley pre-retirees rolling over 401(k)s, IRAs, or pensions into guaranteed income.
Annuities in California
- California provides enhanced consumer protections, including an extended free-look period for buyers age 60+.
- Recommendations follow California’s best-interest standard of care for annuity transactions.
- Clear disclosure of surrender charges and any senior-specific requirements before you commit.
See if an annuity fits your retirement.
Complete the short survey and a licensed ASJ agent will review your situation and reach out with clear, suitability-based guidance — no obligation.
- Free and without obligation
- Reviewed by a licensed AZ/CA agent
- Best-interest, not high-pressure
Start your annuity review
Takes about 3 minutes · Your information is kept confidential.
What people ask before they start.
What exactly is an annuity?
An annuity is a contract with an insurance company. You pay a premium, and in return the insurer agrees to provide income — which can be guaranteed for life. Annuities are long-term retirement vehicles, not bank deposits, and they aren’t insured by the FDIC.
Is an annuity right for everyone?
No. Annuities aren’t suitable for every situation. Under the NAIC best-interest standard we follow in Arizona and California, any recommendation must reasonably fit your financial situation, needs, and objectives. If an annuity isn’t right for you, we’ll tell you.
Are the guarantees actually guaranteed?
Annuity guarantees — including income and principal protection features — are backed by the financial strength and claims-paying ability of the issuing insurance company. They are not guaranteed by ASJ, any bank, or the FDIC.
What’s the difference between a fixed and a fixed indexed annuity?
A fixed annuity earns a set, declared interest rate — simple and predictable. A fixed indexed annuity earns interest tied to a market index, giving more growth potential but subject to caps or participation rates. Both are designed to protect your principal from market losses; the comparison table above breaks down the differences.
Does ASJ offer variable annuities?
No. We focus on fixed and fixed indexed annuities, which are built to protect your principal from market downturns. Variable annuities carry direct market risk and are not part of our offering.
What about fees and getting my money out?
Annuities can carry surrender charges if you withdraw more than the contract allows during the early years, and some include rider fees. We disclose these clearly and review your liquidity needs before recommending anything.
Do you charge for the review?
No. The annuity review is free and there’s no obligation. If you choose to move forward, we’ll explain how the product and any compensation work before you sign.
Ready for income you can count on?
Take the first step toward a more predictable retirement. The review is free, and the decision is always yours.
Start my free annuity review