Trusted by Millions of American Families with over $1 trillion of Annuity assets under contract.
Turn Your Retirement into a Risk Free Guranteed Income Stream For Life.
Our advanced retirement income strategy analyzes your financial situation to calculate the guaranteed lifetime income you need, helping reduce market uncertainty and giving you greater confidence, stability, and peace of mind about your future.
Create a guaranteed income stream that you can’t outlive for you and for your spouse.
⭐⭐⭐⭐⭐
“Working with them made retirement planning so much easier. I finally have peace of mind about my financial future.”
Mark Alison
Client
Book Your Free Retirement Assessment
Choose a Time That Works for You
Schedule your free, no-obligation consultation in just a few clicks. Select a time on the calendar below, and one of our specialists will connect with you to discuss your retirement goals and income options.
Retirement Problem
The Retirement Income Problem
Retirement today is more complex than ever.
Markets are unpredictable
Income is not guaranteed
Savings can run out faster than expected
The real question is:
Will your money last as long as you do?
The Reality of Retirement Today
Building Confidence in Your Financial Future
Securing your future starts with the decisions you make today. From retirement accounts to income planning strategies, having the right plan in place can help you protect what you’ve worked hard to build and prepare for the years ahead.
At Petrosian Financial Group Inc., we focus on simplifying complex financial decisions and helping you explore strategies aligned with your personal goals. With trusted partnerships and years of experience, we aim to support your family, your lifestyle, and your long-term financial confidence.
Market downturns can reduce savings when you need them most
Inflation continues to increase everyday living expenses
Social Security alone may not fully support your retirement needs
The risk of outliving your savings is a real concern
!
Annuities offer income strategies designed to provide more stability and predictability in retirement. They can help create a dependable income stream that’s structured to last throughout your lifetime with options available to support both you and your spouse.
A Smarter Way to Plan Retirement
100% Free. No Catch.
$19.99 Value
Retirement Workbook
Claim Your Free Retirement Workbook Today
Start planning your retirement with clarity and confidence without spending a single dollar.
For a limited time, we’re giving you our Retirement Planning Workbook (valued at $19.99) absolutely FREE. No hidden fees, no shipping costs, and no taxes just valuable insights to help you take control of your financial future.
What You’ll Discover Inside:
A step-by-step guide to understanding your retirement income needs
Simple worksheets to calculate your savings and income gaps
Strategies to create reliable, lifetime income
Insights on reducing market risk in retirement
Planning tips for you and your spouse
Download your copy today and take the first step toward a more secure retirement.
A Closer Look at Annuities
What Is an Annuity?
An annuity is a financial strategy offered through an insurance provider that helps convert your savings into a structured income stream for retirement. It’s designed to support your long-term financial goals and provide greater clarity around your future income.
Fixed Annuities
Fixed annuities offer a set interest rate for a defined period, helping provide stability and predictable growth. This can make it easier to plan ahead with more confidence and less uncertainty.
Indexed Annuities
Indexed annuities are linked to a market benchmark, such as the S&P 500, allowing for potential growth based on market performance while also helping reduce exposure to market downturns.
Designed for Lifetime Income:
Annuities can be structured to provide income designed to last throughout your lifetime, with options available to cover both you and your spouse. This can help create a more reliable and predictable income in retirement.
Peace of Mind:
Reduce the stress of constantly watching the markets.
This isn’t about chasing risky returns — it’s about creating a more stable, dependable income stream you can rely on.
A Safer Way to Turn Savings Into Lifetime Income
1
Request your free plan
Fill out a quick form to get started — no obligation.
2
Speak with a specialist
A licensed professional will connect with you to understand your goals.
3
Get your personalized strategy
Receive a clear, easy-to-understand plan tailored to your retirement needs.
No pressure. Just clear, simple guidance.
$1,407-$5,082
Average Monthly Guaranteed Income
(Based on age and premium)
The Solution
How Annuities Can Help Support Your Retirement
It’s not about chasing market returns — it’s about creating reliable and predictable income you can depend on.
Annuities can help you:
Create a lifetime income stream
Reduce exposure to market downturns
Provide income for your spouse
Build long-term financial stability
This isn’t about chasing risky market returns — it’s about building a more stable and dependable income you can plan around.
Simple Process
How It Works in 3 Simple Steps
No pressure. Just clear, simple guidance.
Request Your Retirement Income Plan
Tell us a little about your goals and current situation. It only takes a minute to get started with no obligation.
Speak with a Retirement Specialist
Connect with a licensed professional who will take the time to understand your needs and answer your questions in a relaxed, no-pressure conversation.
Get Your Personalized Strategy
Receive a clear, easy-to-understand retirement income strategy tailored to your goals, timeline, and financial situation including options designed to create more predictable income.
Simple. Transparent. Designed Around You.
Why It Works
Why More People Are Choosing Annuities
Annuities are becoming a trusted part of many retirement strategies because they focus on one key goal creating more stability and confidence for the future.
Built for long-term security
Stable, predictable income
Reduced market exposure
Tailored to your goals
It’s not about chasing market returns it’s about creating a more dependable and predictable income you can rely on.
25,000+
Retirement Plans Created
$1 Million
American families
A+
Carrier Ratings
$1 trillion
Annuity assets under contract.
FAQ
Frequently Asked Questions About Annuities
1. What is an annuity?
An annuity is a contract with an insurance company designed to help protect your savings and provide guaranteed income, often for the rest of your life.
2. Are all annuities the same?
No. There are fixed, fixed indexed, and variable annuities. Each works differently and is designed for different financial goals and risk tolerances.
3. Can I lose money in a Fixed Indexed Annuity (FIA)?
A Fixed Indexed Annuity protects your principal from stock market losses. While your account may not earn interest every year, market declines do not reduce your protected principal, subject to the terms of your contract.
4. How does a Fixed Indexed Annuity earn interest?
Interest is linked to the performance of a market index, such as the S&P 500, without directly investing in the market. Growth is subject to the contract’s crediting method, caps, participation rates, or spreads.
5. Are annuities insured by the government?
No. Annuities are backed by the financial strength and claims-paying ability of the issuing insurance company, not by the federal government.
6. Can an annuity provide income for life?
Yes. Many annuities offer guaranteed lifetime income that you cannot outlive, even if you live to age 100 or beyond, according to the terms of the contract.
7. Can I access my money if I need it?
Most annuities allow annual penalty-free withdrawals after the first contract year. Additional withdrawals may be subject to surrender charges or tax consequences.
8. Are annuity earnings taxable?
Your money grows tax-deferred. Taxes are generally owed only when you withdraw earnings, unless the annuity is held within a qualified retirement account.
9. Can I move money from one annuity to another?
Yes. A tax-free 1035 exchange may allow you to transfer an existing annuity into a new one without triggering current taxes, if done correctly.
10. Who is a Fixed Indexed Annuity best suited for?
It may be appropriate for people who want:
* Protection from market losses.
* Tax-deferred growth.
* Guaranteed lifetime income.
* A portion of their retirement savings protected from market volatility.
11. What happens to my annuity when I pass away?
Any remaining account value is generally paid to your named beneficiaries. Some income options may continue payments to a surviving spouse, depending on how the contract is structured.
12. Are there fees?
Many Fixed Indexed Annuities have no annual management fees. However, optional riders, such as enhanced lifetime income benefits, may have additional costs. Always review your contract carefully.
13. Is an annuity better than investing in the stock market?
They serve different purposes. Investments are generally designed to build wealth, while annuities are designed to help protect wealth and create predictable income.
14. Can I own more than one annuity?
Yes. Many retirees use multiple annuities with different income start dates to create a more flexible retirement income strategy.
15. Should all of my retirement savings be in an annuity?
Not necessarily. Many financial professionals recommend diversifying retirement assets so you have a balance of growth, liquidity, and guaranteed income based on your goals.
What is a QLAC?
A QLAC (Qualified Longevity Annuity Contract) is a qualified retirement annuity that lets you defer required minimum distributions on part of your IRA or 401(k) while securing guaranteed lifetime income starting later in retirement.
Foundations
Securing Your Guaranteed Lifetime Income
An annuity is a powerful financial tool designed to protect your principal and provide a guaranteed paycheck for life.
Taxation
How Are Annuities Taxed
Three structures, three treatments. Understanding which one fits the money you're moving is the difference between efficient and expensive.
How are Qualified Annuities taxed?
Funded with pre-tax dollars. Transfers from an IRA or 401(k) are generally tax-free because the money remains in a qualified account. Withdrawals are later taxed as ordinary income.
How are Roth Annuities taxed?
Funded with Roth retirement dollars. Qualified withdrawals are generally tax-free both the principal you contributed and the earnings it produced.
How are Non-Qualified Annuities taxed?
Funded with after-tax dollars. Only the earnings portion is generally taxed as ordinary income, while your original principal is returned to you tax-free.
Side by Side
Two paths. One certainty.
Traditional IRA · 4% Rule
Market-Dependent Income
Lifetime Guarantee
Depends on market performance
Market Risk
Balance can fluctuate at any time
Spousal Protection
Transfer rules vary dramatically
Recommended
Transfer rules vary dramatically
Guaranteed Lifetime Income
Lifetime Guarantee
Guaranteed for the rest of your life
Market Risk
Principal protected from market drops
Spousal Protection
Income continues for surviving spouse
Real Life
See It In Action: Joe & Mary’s Story
Example
Qualified Fixed Indexed Annuity
Joe (age 61) and Mary (age 60) transfer $180,000 from their Traditional IRA into a Qualified Fixed Indexed Annuity. They start protecting the principal and because the funds remain in a qualified retirement account, the transfer generally does not trigger a taxable event.
Beginning at age 67, they start receiving $24,280 per year in guaranteed lifetime income.
If Joe passes away first, Mary will continue receiving the same guaranteed income for the rest of her life.
After both Joe and Mary have passed away, any remaining account value will be paid to their named beneficiary.
Comparison: Traditional IRA Income vs. Qualified Fixed Indexed Annuity income.
If the same $180,000 remains invested in a Traditional IRA and earns an average annual return of 9%, it could grow to approximately $300,000 over 6 years.
Using the commonly referenced 4% withdrawal guideline, a $300,000 IRA could provide approximately $12,000 per year in annual withdrawals. However, those withdrawals are not guaranteed for life and depend on future market performance, investment returns, and the remaining account balance.
By comparison, in this example, the Qualified Fixed Indexed Annuity provides $24,280 per year in guaranteed lifetime income, continuing to Mary if Joe passes away first, with any remaining account value payable to their named beneficiary after both have passed away.
This example is for illustrative purposes only. Actual income, contract values, and any remaining account value will vary based on the annuity product, issue age, payout option, and contract terms.
Free Retirement Plan
Get Your Personalized Retirement Income Plan
Discover how much monthly income you may be able to generate in retirement — based on your savings, goals, and timeline.
Simple. Personalized. No obligation.
Limited Availability
Plan Your Retirement with Confidence
The right decisions today can help secure your financial future.
© 2026 SecureNest. All rights reserved
Licensed retirement specialists available in all 50 states.