05/27/2026
Many people purchased annuities years ago for guarantees, income, or “peace of mind” — and at the time, they may have been the right fit. But not all annuities age well, and not all annuities are created equally.
At Wiseman Wealth, we regularly review annuity contracts for clients who are surprised to learn:
• High fees may be quietly reducing long-term growth
• Outdated riders may no longer align with current financial goals • Limited liquidity can create unnecessary restrictions
• Some products underperform compared to newer alternatives
• Interest rate changes and market conditions may have changed the value proposition entirely
The truth is, many annuities were sold — not planned. That doesn’t mean every annuity is bad. Some can still serve an important purpose in a financial strategy. But if you haven’t reviewed your contract in several years, it may be time for a second opinion.
A good financial strategy should evolve as your life, goals, and the market evolve. If you currently own an annuity, ask yourself:
• Does it still match your retirement objectives?
• Do you fully understand the fees and restrictions?
• Is it providing value relative to today’s alternatives?
• Has anyone reviewed it recently with your current financial picture in mind?
Before making changes, get clarity. At Wiseman Wealth, we believe financial planning should be built around education, transparency, and long-term strategy — not one-size-fits-all products.
Give us a call into our office for a consultation of your annuity to see if it aligns with your current goals.
— Tom Wiseman
Looking for a financial advisor in the Loudoun County area? We provide expert advice from investing to insurance to retirement. Give us a call!
