Deliberate, Like Everything Else Here
Boca Raton does nothing rushed. Morning rounds at Boca Pointe. Lunch at Mizner Park. Concerts at the amphitheater. The town's whole rhythm says: take your time, do it right. Income planning deserves the same care.
Many Boca retirees arrive with real savings — careers in the Northeast, businesses sold, portfolios built. The question is not whether the money exists. It is how to turn it into income that lasts 30 years without a second thought.
Where an Annuity Fits
An annuity converts part of your savings into monthly checks. Fixed annuities promise a set rate — the calm option. Indexed annuities link growth to a market index, with a floor guarding your principal and caps limiting the upside. Either can cover the must-pay bills while savings handle the rest.
Boca buyers ask the sharpest questions I hear. What exactly does the contract promise? Who holds the money? What are the surrender years? Bring them all. I like the sharp ones.
The Honest Trade-Offs
Your money sits still for years — early withdrawals trigger surrender charges. Every carrier promise rests on that carrier's ability to pay claims. This site teaches; it is not investment advice and never tells you what to buy.
21-day free-look: you may cancel a new annuity contract within 21 days of receiving it for a full refund. Read every page first.
I am Serge Sendji Augustin, a licensed Florida insurance agent (FL License G231352, NPN 21565385). Call (407) 434-9297 for a free quote and plain-word answers.
Frequently Asked Questions
I work with a money manager. Do I need you?
Maybe not. If your plan already covers lifetime income, an annuity may add nothing. Tell me your picture and I will give you a straight answer.
What is a cap on an indexed annuity?
The most the carrier will credit you in a period, no matter how high the index climbs. It is one way the carrier pays for your floor.
Will you name the carrier before I buy?
Yes — on our first call, before we discuss any product or number.