Two Waters Wealth Management
Smart Annuity Review
by Two Waters Wealth
(704) 275-2500Book a Free Review
The Process

How the SMART Annuity Review™ Works

A simple, four-step process designed to give you a clear, honest picture of any annuity: whether you're considering one, already own one, or just want to understand your options better.

Book Your Free Review
01

Submit Your Annuity Profile

~10 minutes

We'll start by getting to know your situation. You'll share a bit about your retirement timeline, income sources, and the annuity you're considering or already own. There are no wrong answers. The more context you can provide, the more useful your review will be.

Your age, retirement timeline, and income sources
The annuity product name, carrier, and contract details (if you have them)
Your primary concern: income, growth, protection, or legacy
Any existing annuities, pensions, or guaranteed income
02

We Review Your Full Picture

1–2 business days

Every submission is reviewed personally by our team. This is not an automated scoring system. We look at your complete retirement picture, including income, healthcare costs, tax situation, and legacy goals, to understand whether an annuity genuinely fits and, if so, which type and structure makes the most sense for you.

Annuity type suitability (FIA, MYGA, SPIA, or VA)
Fee analysis: surrender charges, mortality expense, rider costs
Fit assessment against your income floor and growth needs
Red flags: inappropriate products, excessive commissions, surrender traps
03

Receive Your SMART Review

Delivered by email

You'll receive a plain-English written assessment that tells you honestly whether this annuity fits your situation, what to watch for, and what questions to ask before signing. It's written to help you make a confident, informed decision, not to steer you toward any particular product.

Does this annuity fit your retirement plan? (Yes / Conditionally / No)
What type of annuity is most appropriate for your situation
Specific questions to ask the agent or carrier
Alternative strategies if the annuity doesn't fit
04

Book a Free Q&A Call (Optional)

30 minutes, your schedule

If you'd like to talk through your results, we're happy to connect. Book a free 30-minute call to walk through the findings together, ask any follow-up questions, and leave with a clear sense of your next step.

Walk through the review findings in plain English
Ask any follow-up questions about your specific contract
Understand your options and next steps
A focused, straightforward conversation built around your specific situation
What We Examine

Six Things Every Annuity Review Covers

1

Surrender Charges

How long are you locked in? What are the penalties for early withdrawal? Are they appropriate for your timeline?

2

Rider Costs

Income riders, death benefit riders, and long-term care riders all come with annual fees. Are they worth what you're paying?

3

Carrier Ratings

Is the insurance company financially strong enough to pay claims 20–30 years from now? We check AM Best ratings.

4

Cap Rates & Participation

For indexed annuities: what are the actual cap rates and participation rates? How have they changed historically?

5

Income Projections

Are the income projections realistic? What assumptions are being used, and what happens if rates change?

6

Fit Assessment

Does this product match your actual retirement income needs, risk tolerance, and tax situation?

Ready to Get Your Review?

Book a free 30-minute conversation with our team. Come with your questions and leave with clarity.

Book Your Free Review