About Us
Optimizing Your Annuity Strategy
About MaxMyAnnuityIncome.org
About MaxMyAnnuity Income.org
At MaxMyAnnuityIncome.org, our expert Advisors provide a complimentary Annuity Audit Review to help you understand your current contracts, how they are performing, and whether they still align with your goals today. We specialize in identifying efficient, competitive annuity solutions available in today’s market—ensuring your money is positioned to perform its best based on your income needs, timeline, and overall strategy.
Our goal is to help clients uncover opportunities to:
Lock in gains you’ve already earned
Diversify assets and reduce concentration risk
Increase guaranteed lifetime income where appropriate
Lower fees or improve overall efficiency
Reduce portfolio risk while maintaining long-term stability
Ensure benefits are structured to reach the right people
Discover new ways to enhance your income strategy
Our Leadership & Professional Support
Backed by Experience You Can Trust
MaxMyAnnuityIncome.org was built through a collaboration of experienced professionals, including:
Eric Bilitz — President, Endeavor Financial Group
With more than 30 years in wealth management, Eric Bilitz, President of Endeavor Financial Group, is known for bringing a thoughtful, independent perspective to long-term planning and income-focused strategies. His work is centered on helping clients pursue financial confidence through personalized guidance and practical, goal-based solutions.
Ben Koplan, CLU®, CFP®, Advisor’s Choice / LifeEase
Ben has built a career around helping individuals and families make practical, well-informed financial decisions—especially when long-term planning and protection matter most. His focus is on delivering client-friendly solutions supported by clear education, strong processes, and reliable service.
Mike Gonzales
Mike Gonzales is a licensed financial advisor focused on helping individuals and families build strong financial foundations and work toward long-term financial goals. His approach centers on practical guidance across investment planning, retirement strategies, risk management, and wealth preservation.
Mike believes in a client-first philosophy built on trust, clear communication, and education. He works closely with clients to help them understand their options and make confident financial decisions while navigating the financial opportunities and challenges that come with different stages of life.
Professional Oversight You Can Trust
Supported by Vanderbilt Securities
MaxMyAnnuityIncome.com is aligned with the standards and oversight of Vanderbilt Securities, an established broker-dealer that supports financial professionals and client service in the retirement and investment marketplace.
This structure is designed to ensure the guidance you receive is delivered through a professional, regulated framework—helping support transparency, accountability, and a high standard of service.
FAQs
Annuity Audit FAQs
You can either enter a few basic details into our calculator or upload your most recent annuity statement. The statement gives us the clearest picture of your annuity’s fees, benefits, and income options—so we can deliver the most accurate comparison.
No. You can start on your own, privately, using our calculator or uploading your annuity details. If you want help reviewing your results or understanding next steps, an advisor is available—but there’s no pressure or obligation.
Not at all. A review is simply informational. Nothing about your contract changes unless you choose to take action.
Our comparison is based on the specific details of your annuity and today’s available options. The more complete your information is—especially your statement—the more precise and useful your results will be.
We compare your annuity against a wide range of highly-rated insurance carriers and current products. The goal isn’t to push a specific company—it’s to identify whether there’s a meaningful improvement available based on your income goals and retirement timeline.
Yes. Your annuity audit and comparison are completely free, with no obligation to switch or move forward.
If the numbers show a clear benefit, we’ll explain the options and handle the paperwork if you choose to proceed. If the audit shows your current annuity is already strong, we’ll tell you that too. Either way, you walk away with clarity.
Because annuity products have improved a lot over the past several years, especially income payout rates, rider costs, and legacy features. Even if your annuity is “good,” it may not be as efficient as newer options.
A quick audit can confirm you’re optimized—or show you a way to increase income, reduce fees, or improve benefits.
It’s straightforward:
- You upload your annuity statement (or enter basic details)
- We calculate what your annuity provides today (income, fees, benefits)
- We compare it to current options
- You receive a clear side-by-side summary showing what’s better, what’s not, and why
Sometimes—and this is one of the most important parts of the review. If your annuity is still in its surrender period, there may be a cost to exchange.
If surrender charges apply, we only recommend moving forward when the improvement is strong enough to clearly outweigh the cost within a reasonable timeframe.
That depends on your current annuity’s death benefit and what’s available today. Many older annuities only pay whatever account value remains—meaning benefits can shrink over time once income starts.
Some newer products offer enhanced legacy options like return of premium, step-ups, and spousal continuation. We include beneficiary impact in the audit so you can make a fully informed decision.
Good question—and you should ask it.
We believe any recommendation should be backed by clear math, full disclosure, and written documentation. You’ll always see:
- Your current benefits vs. the proposed benefits
- Total fees and cost differences
- Any surrender charges and breakeven timeline
- A clear explanation of why a change does or doesn’t make sense
And if the audit shows your current annuity is already the best fit, we’ll document that and recommend keeping it.
Account value is your real balance (what can be moved or withdrawn, minus any surrender charges).
Benefit base is a “calculation value” used to determine lifetime income—it’s not cash and can’t be transferred.
This matters because accurate comparisons must look at income and total cost, not just a larger “benefit base” number on paper.
Every state requires a free-look period, which gives you time to review the contract and cancel if you’re uncomfortable. This is typically 10–30 days depending on your state and age.
We always encourage clients to use this time to review the contract carefully and ask questions.
Insurance companies are heavily regulated and must meet strict reserve requirements. On top of that, every state has a guaranty association that provides protection up to certain limits if an insurer becomes insolvent.
We also prioritize financial strength ratings when reviewing carriers, and we’ll show you those ratings in your audit.
It depends on your contract and goals, but improvements may include:
- Higher guaranteed lifetime income
- Lower ongoing rider fees
- Better options for beneficiaries
- Income that can increase over time (inflation protection)
- More efficient contract features and flexibility
Sometimes the audit confirms you’re already in a great annuity—and that’s a win too. The goal is certainty and smarter planning.
Contact
Speak With an Advisor
Fill out the form below to connect with our team. Whether you have a quick question or want to schedule a call to discuss your annuity options, we’re here to help.