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What We Do

Discover How Our Tailored Retirement Solutions Can Transform Your Financial Future

Retire on Your Terms

We identified two critical problems in the retirement planning marketplace: Complication and Confusion. 

Retirement planning has been made out to be more complicated than it actually is an effort to justify large fees from the advisors integrating them. We believe you should be able to receive peace of mind on your retirement at your pace without enduring the pressures of a large office building greeted by several people in a coat and ties holding a booklet filled with charts and graphs. Instead, take the hours spent driving to and from an advisor’s office and use it on yourself; go to the ballgame, spend time with your spouse, or enjoy supper at a local eatery. At Snow Planning, we are giving your time back to YOU.

Our questionnaire serves as the basis of our mission to properly recommend your solution.

Based on your response, we survey the market of over 120 carriers and identify which solution can cater best to your specific situation. You’re left with a guaranteed stream of income that you’ll receive on a monthly basis for the rest of your life. Having helped over 1000 U.S. families retire, people are confident that when their working years are through, Snow Planning is there to contractually guarantee they will never have to punch a clock again.

Your Retirement, Our Mission: Expert Planning Services

At Snow Planning, we’re all about one thing: helping you prepare for retirement. Our team of experts is dedicated to crafting personalized strategies that fit your unique goals and financial situation. Since we focus solely on retirement, we offer a level of knowledge and specialized solutions you won’t find anywhere else. Whether you’re just beginning to think about retirement or you’re ready to finalize your plans, we’re here to guide you every step of the way

Your Path To Worry Free Retirement

Snow Planning is about simplicity and efficiency. You want to retire. We help you retire. Whenever and however you see fit. We don’t believe that you should have to worry about global politics, the stock market, and the aforementioned impacts on your retirement portfolio. When working with Snow Planning, you are working with guarantees and in turn, receiving peace of mind that you will never run out of money.


Frequency Asked Questions

Here are some common questions about retirement planning and annuities, providing clarity and guidance as you navigate your financial future.

What types of annuities are available?

There are several types of annuities, including fixed annuities, variable annuities, indexed annuities, and immediate annuities. Fixed annuities offer a guaranteed interest rate, variable annuities allow you to invest in various sub-accounts, indexed annuities offer returns tied to a specific market index, and immediate annuities provide immediate income payments.

How can I determine if an annuity is right for me?

Annuities provide a steady income stream, making them ideal for covering fixed expenses in retirement. Fixed annuities offer guaranteed returns, while variable annuities are tied to market performance and can be more volatile. They can also complement other retirement savings by providing predictable income and offering lifetime income options, which is beneficial if you are concerned about outliving your savings. It's essential to review your financial situation and consult with a financial advisor. Snow Planning is here to help you navigate these decisions and find the best solution for your needs.

What is the right age to buy an annuity?

The right age to buy an annuity depends on your financial goals, retirement plans, and individual circumstances. Here are some general guidelines:

  1. Pre-Retirement (50-60): Many people consider purchasing an annuity in their 50s or early 60s as they approach retirement. This timing allows the annuity to grow and ensures a steady income stream during retirement.

  2. Retirement Age (60-70): Buying an annuity at retirement age can be a good option to convert a portion of your savings into guaranteed income, providing financial stability throughout your retirement years.

  3. Older Retirees (70+): Some retirees may choose to purchase a deferred annuity to start receiving payments later in life, which can be beneficial if they are concerned about outliving their savings.

Ultimately, the best age to buy an annuity varies based on your financial situation, retirement strategy, and risk tolerance. At Snow Planning, we can help you determine the optimal timing and type of annuity for your needs.

Are annuities taxable?

The tax treatment of annuities depends on several factors, including whether the annuity is funded with pre-tax or after-tax dollars, how the payments are structured (lump sum or periodic payments), and whether the annuity is held within a qualified retirement account such as an IRA or 401k. Generally, earnings within an annuity grow tax-deferred until withdrawn, at which point they may be subject to income tax.

How do I choose the right annuity for my retirement goals?

Choosing the right annuity depends on various factors, including your risk tolerance, investment objectives, time horizon, and retirement income needs. At Snow Planning we can assess your individual circumstances and help you select an annuity that aligns with your goals and preferences.

Can I access my money if I need it before retirement?

Most annuities have surrender periods during which early withdrawals may incur surrender charges. However, many annuities offer penalty-free withdrawal provisions for specific circumstances, such as death or terminal illness. Additionally, some annuities offer optional riders that provide liquidity options for a fee.

Can I pass on my annuity to beneficiaries?

Many annuities offer death benefit provisions that allow you to designate beneficiaries to receive the remaining balance of your annuity upon death. The options available and the tax implications for the beneficiary may vary depending on the type of annuity.