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Preserve Wealth Group
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For U.S. Retirees/Pre-Retirees

Explore income you can receive for life.

An annuity can turn part of your savings into guaranteed lifetime income, under the contract’s terms. Preserve Wealth Group connects you with an independent, state-licensed specialist to discuss whether that approach fits your retirement.

Find your specialist Explore planning topics ↓

Start with a few questions. No obligation to buy or move your money.

What would you like your retirement income to cover?

Start with the life you want to fund and the income you already expect from Social Security, pensions and other sources.

Your regular expenses

Understand how much of your monthly spending is covered and where another income source might help.

Discuss your situation

Money you can access

Keep emergency reserves and upcoming purchases in the conversation before committing any savings.

Discuss your situation

Income for your household

Consider when payments should start and whether they need to continue for a surviving spouse.

Discuss your situation

Working with PWG

We make the introduction. Your specialist provides the advice.

Tell us about your situation. We use your answers to review whether a professional in our network fits your needs.

  1. Tell us about your retirementAnswer the application questions about your situation, savings and location.
  2. Confirm the details with PWGIf you qualify, a team member calls to understand your needs and confirm your information.
  3. Speak with a licensed specialistWe identify a suitable professional in your state. They discuss your goals and explain relevant options, costs and terms.
See if you qualify

Understanding the options

Four approaches. Start with what you need.

Some focus on income, others on accumulation. These are four approaches to discuss, not a recommendation or a complete list of annuity types.

Income starting soon

Immediate annuity

Use a lump sum to arrange payments that generally begin within a year. Lifetime and survivor options depend on the contract.

Ask your specialist: What access would I retain to the original amount?

Income starting later

Fixed indexed annuity with an income rider

An optional rider can provide lifetime withdrawals under its terms. The income benefit used in the calculation is different from the cash you can access.

Ask your specialist: What does the rider cost, and what could reduce the benefit?

Index-linked accumulation

Fixed indexed annuity

Interest credits follow a formula linked to an index, subject to limits. A zero index-credit floor does not remove charges or withdrawal restrictions.

Ask your specialist: How do caps, participation rates and withdrawal terms work?

A rate for a stated term

Multi-year guaranteed annuity

Lock an interest rate for an agreed period. This is a savings commitment with contract terms, rather than an automatic lifetime paycheck.

Ask your specialist: What happens at renewal or if I need the money early?

Guarantees depend on the insurer’s claims-paying ability. Fees, surrender charges and contract restrictions may apply. A fixed payment can lose purchasing power as prices rise.

Read the comparison guide ↗

Bring your own numbers

See what your monthly income needs to cover.

Compare spending with expected Social Security, pensions and other income. Save the worksheet for your specialist.

Build your income worksheet ↗

A useful starting point for your conversation.

The worksheet shows a gap or surplus using the figures you enter. It does not select an annuity or estimate a carrier’s payout.

Already ready to discuss your options?

Find your retirement specialist ↗

Understand the details at your own pace.

Short explanations and questions to take into your consultation.

How an annuity can provide income for life

Start with the monthly income you need alongside Social Security and any pension.

Read the guide ↗

Four annuity approaches to discuss with a specialist

Income now, income later and accumulation serve different purposes.

Read the guide ↗

Access to your money, costs and family benefits

Understand what you keep access to before committing savings.

Read the guide ↗

Before you apply

What does guaranteed income mean?

The insurer promises payments under the contract’s terms. A lifetime option can continue for as long as the covered person lives. Guarantees depend on the issuing insurer’s financial strength and claims-paying ability.

How much monthly income could I receive?

A specialist needs your age, state, funding amount, income start date and survivor choices to compare actual options. A figure based only on your savings balance is not a personalized quote.

Can I keep some savings available?

Yes, the discussion should include money you want to keep outside any contract for emergencies and planned spending. Access to money inside an annuity depends on its withdrawal and surrender terms.

What happens to my spouse or family?

Ask about income that continues for a surviving spouse and any beneficiary or refund provisions. These choices can affect the payment amount. The answer depends on the contract you choose.

What if I already have an advisor or an annuity?

Bring your existing plan and current contract details into the discussion. A specialist should account for what you already have, including costs or benefits affected by a change.

Does applying mean I am buying an annuity?

No. You are requesting an introduction. If you qualify, our team confirms your information and looks for a suitable specialist in your state. The professional reviews your needs before discussing any recommendation.

PWG makes introductions. Independent licensed professionals assess suitability and provide advice. Our matching service currently starts at $100,000 in savings and investments; that is our service threshold, not a minimum for every annuity.

Your next step

Find the specialist
for your situation.

Answer a few questions so we can review your needs and identify a suitable professional.

See if you qualify

No cost to request an introduction.

Find your specialist