Potomac Assurance Associates, LLC
Potomac Assurance is the licensed insurance agency of Phil Gaudiano, CPA, author of Beyond Risk and Safety. When a retirement plan calls for a guaranteed income floor, or for growth that can't go backward in a down year, this is where that piece gets built.
Whether the job is lifetime income or accumulation without market losses, the contract is chosen to fit the plan, never the other way around. Always one component of a plan, never a product pitch.
If you already own an annuity and someone is recommending you swap it, we run the numbers side by side, in writing, before anything else happens. Sometimes the new contract wins. Often your existing one does.
Caps, participation rates, and income rider values change. A periodic review makes sure your contract is still doing the job you bought it for.
You will see the comparison spreadsheet before you see an application. Every recommendation comes with the math behind it, and if keeping what you have is the better answer, that's the recommendation you'll get. It happens regularly, and it's the reason clients trust the times we do recommend a change.
The best annuity decisions come out of a plan. The newsletter, the free guide, and the application to work with Phil on tax and income planning all live at phil.cpa.
Start at phil.cpa →If you've asked for annuity information, or someone is recommending you replace a contract you already own, start with a rate check-up. You'll see the side-by-side numbers in writing before any recommendation is made. Existing policyholders can use the same link for their annual review.
Schedule a rate check-up →