The Winter Haven, Funded Right
Edison and Ford picked Fort Myers for a reason. The winter light. The river. The pace. A century later, the River District hums — farmers markets, art walks, sunset sails off the Yacht Basin. Snowbirds shell Sanibel's beaches at low tide. Year-rounders know every back road.
Retirement here has a rhythm: winters full, summers quiet. Your income should be steadier than the seasons. Social Security arrives monthly — but for most households it does not cover everything. An annuity adds a second monthly rhythm.
Where an Annuity Fits
Fixed annuities promise a set rate — calm and predictable, like the river at dawn. Indexed annuities link growth to a market index, with a floor under your principal and caps on the upside. Either way, the must-pay bills get covered by checks that keep coming.
Winter residents: set this up while you are here. One call, real numbers, no office visit. Then it is done, and the season is yours.
The Honest Trade-Offs
The money sits still for years — early withdrawals trigger surrender charges. Only use money you will not need during the surrender period. Promises rest on the carrier's ability to pay claims. This site teaches; it is not investment advice.
21-day free-look: you may cancel a new annuity contract within 21 days of receiving it for a full refund.
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 split the year between Florida and another state. Can I buy?
If Florida is your state of residence when you apply, yes. Set it up while you are here.
What is a participation rate?
Your share of the index's rise. A 60% rate on a 10% index rise credits you 6%. Simple as that.
Can I take some money out each year?
Many contracts allow a small yearly withdrawal with no surrender charge. More than that, and charges apply. We will read your contract's exact terms together.