Why You Should Be Reviewing Your Existing Annuities "Annuities are complex. They come in many different varieties with many different options and features. Come sit with a 20 year veteran and let me review your annuity contract at no cost to you to see if you are utilizing your annuity most efficiently."- Brion Harris, CEO and Founder, Financial Advisor 6 Reasons You Should Be Reviewing Your Annuities YOUR ANNUITY COULD BE UNDER-PERFORMINGDepending on when your annuity was purchased, options may now be drastically different. If your annuity was purchased when interest rates were at historical lows, it may no longer be competitive with current options available. After the financial crisis in 2008, interest rates remained only slightly above zero from about 2010 to 2015. While interest rates have steadily increased over the last five years, many of you may have purchased annuities that may now have more competitive options available.YOU MAY BE PAYING HIGH FEESAnnual fees, mortality expenses, riders, and surrender charges add up. A review helps you make sure you're not paying for benefits you don't need.YOUR RETIREMENT INCOME NEEDS COULD HAVE CHANGEDAnnuities are typically purchased to produce reliable income during your retirement. If your needs or income sources have changed, it makes sense to revisit your annuity strategy.THE ANNUITY CARRIER MAY NO LONGER BE KEEPING ITS PROMISESYour annuity's guarantees are only as good as the company holding it. Therefore, it's important to review its financial ratings and stability on a regular basis together to make sure its promises are still aligned with your goals.BETTER OPTIONS MAY EXISTGoals, interest rates, and products can change. It's smart to see what else is out there that may meet your needs.YOUR BENEFICIARIES MAY NEED TO BE UPDATEDMake sure your money is set to go where you want to when the time comes. Like everything in life, things become outdated. It's not uncommon to find older annuities with hidden fees, outdated assumptions, or low interest rates. That's why reviewing your annuities is so important! We are constantly striving to provide our clients with great investment options and the most up to date information possible and these reviews really are a crucial part of that process. Let Us Know If You'd Like to Discuss Your Annuities Today! Call 443-837-2530 or submit the form below! Name Email Address Phone Message Thank you! Oops! The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company. Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity. Contact Brion Harris at 115 West St, Ste 400 Annapolis, MD 21401 or 443-837-2520 to obtain a prospectus, which should be read carefully before investing or sending money. Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated.