Annuities for Retirement Income North Carolina
Personalized Guidance from a Fiduciary Advisor — Not a Call Center
If you’re approaching retirement or recently retired, you may be asking a simple but critical question:
How do I protect my savings and still generate reliable income — without gambling on the market?
At Mintco Financial, we help retirees and pre-retirees evaluate annuities as part of a broader retirement strategy — not as a one-size-fits-all product.
We work directly with clients across the U.S. through virtual meetings, providing clear explanations, personalized illustrations, and honest guidance from a fiduciary perspective.
Why Many Retirees Are Re-Evaluating Their Options
Traditional retirement strategies don’t always work the way people expect.
Many of our clients come to us because they are concerned about:
Market volatility and sudden losses
Running out of money in retirement
Low CD and bond yields
Uncertainty around Social Security and pensions
Timing risk when withdrawing from investments
For the right person, annuities can help reduce these risks — but only when structured properly.
What Annuities Can (and Cannot) Do
Annuities are not for everyone. That’s why education comes first.
Depending on the type, annuities may help:
Provide predictable lifetime income
Reduce exposure to market downturns
Offer principal protection options
Create a tax-deferred income stream
Complement Social Security or pension income
They are not designed for:
Short-term investing
Frequent trading or speculation
Chasing the highest advertised rate
Our role is to help you understand whether an annuity fits your situation, and if so, which structure makes sense.
A Different Approach to Annuity Advice
Most people searching online encounter:
Generic quote engines
High-pressure sales tactics
One carrier or one product being pushed
Mintco Financial works differently.
What sets us apart:
✔ Fiduciary-focused guidance
✔ Multiple A-rated insurance carriers
✔ Custom illustrations — not generic quotes
✔ Clear explanations in plain English
✔ Direct access to a licensed advisor
You’ll speak with a real person who takes the time to understand your goals, concerns, and timeline.
Common Situations We Help With
We frequently work with clients who are:
Rolling over a 401(k) or IRA
Retiring within the next 1–5 years
Moving money out of CDs or money markets
Seeking income they can’t outlive
Concerned about protecting a spouse
If any of these apply to you, an annuity review may be worth considering.
What to Expect From Your Call
There is no obligation and no pressure.
On your initial call, we’ll typically discuss:
Your current retirement accounts
Income needs and time horizon
Risk tolerance and market concerns
Whether annuities belong in your plan at all
If appropriate, we’ll prepare custom illustrations based on your situation — not generic online estimates.
Start With a Conversation
Cashing out retirement accounts or choosing an annuity should never be rushed. The right decision depends on your broader financial picture, tax considerations, and long-term goals.
If you’d like to explore your options with a fiduciary advisor, we invite you to start with a simple conversation.