Available to South Carolina residents only · 61 SC retirees have requested this bundle · Limited sessions each month
— Free Annuity Education Bundle
Get the Facts About
Indexed Annuities —
Before You Decide
Anything.
A free book, a personalized retirement risk review, and a private
session with two Retirement Income Specialists — including a
retired CPA. No products sold. No pressure. Book shipped to your
South Carolina address after your session.
A free book, a personalized retirement risk review, and a private session with two Retirement Income Specialists — including a retired CPA. No products sold. No pressure. Book shipped to your South Carolina address after your session.
No obligation. SC residents only. Sessions fill up each month.
Shipped Free After Your Session
Why I Bought Indexed Annuities
Hard-copy book by industry researcher Sheryl J. Moore — mailed to your door following your consultation
Personalized to You
Retirement Risk Report Card
You'll enter your info into our planning system before the call — we do the analysis and walk you through it live
Via Zoom · Your Schedule
Private Education Session
One-on-one with Eric Gaddy and Ray Brandt — both Retirement Income Specialists, Ray also a Retired CPA
"Most retirees make annuity decisions based on what a radio
personality said — not on what the research actually shows."
Ray Brandt · Retired CPA & Retirement Income Specialist
No products sold on the call
Book ships after your session
Private session with a retired CPA
South Carolina residents only
— WHY THIS MATTERS
Most retirees make annuity decisions based on incomplete — or wrong —
information.
Financial personalities tell you to avoid them. Insurance salespeople tell you they're perfect for
everyone. Neither extreme serves you — and making the wrong call can cost you tens of
thousands in guaranteed income you were entitled to collect.
"I've heard annuities are full of fees and surrender charges. How do I know what's actually true?"
"What if the market drops right when I retire? I need to protect what I've saved."
"My advisor mentioned indexed annuities but didn't
explain how they work or whether I need one."
"I don't want to be sold anything. I just want someone to explain this in plain language."
— WHY THIS MATTERS
Most retirees make annuity decisions based on incomplete — or wrong —
information.
Financial personalities tell you to avoid them. Insurance salespeople tell you they're perfect for
everyone. Neither extreme serves you — and making the wrong call can cost you tens of
thousands in guaranteed income you were entitled to collect.
"I've heard annuities are full of fees and surrender charges. How do I know what's actually true?"
"What if the market drops right when I retire? I need to protect what I've saved."
"My advisor mentioned indexed annuities but didn't
explain how they work or whether I need one."
"I don't want to be sold anything. I just want someone to explain this in plain language."
— WHAT'S INCLUDED
Your Free 3-Part Annuity Education
Bundle
Everything below is yours at no charge. No obligation to purchase any product. No sales
pressure of any kind.
Item 01
Why I Bought Indexed Annuities
A hard-copy book by industry researcher Sheryl J. Moore. Written to help retirees understand what indexed annuities actually are — and what they're not. Mailed directly to your South Carolina address after your private education session.
Shipped Free After Your Session
Item 02
Retirement Risk Report Card
A personalized look at your retirement picture. Before your session, we'll send you a link to enter your information into our planning system — it takes about 10 minutes. On the call, we walk through sequence-of-returns risk, income gaps, and where your current plan may have exposure.
Personalized to You
Item 03
Private Education
Session
A one-on-one Zoom call with Eric Gaddy and Ray Brandt — both Retirement Income Specialists, with Ray also bringing 40 years of CPA experience to the conversation. Ask every question you've been hesitant to ask. No agenda except your education.
Via Zoom · Your Schedule
73
Years of combined experience between Eric and Ray
— What South Carolina Retirees Are Saying
Real feedback from people who've been through the session.
"I've talked to a lot of financial people over the years and this was the first time I felt like someone was actually educating me instead of selling me something. The Risk Report Card alone was worth the call."
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"Ray's background as a CPA really came through. He explained the tax side of annuities in a way no one ever had. I walked away feeling like I actually understood my options."
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"No pressure, no sales pitch — they genuinely just wanted to help me understand. The book was a bonus. I'd recommend this session to anyone who's been confused about annuities."
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South Carolina based & licensed
33 years in retirement income planning
40 years CPA practice experience
— About the Book
Written by an industry researcher — not a salesperson.
Why I Bought Indexed Annuities was written by Sheryl J. Moore, president of Moore Market Intelligence, which tracks annuity and life insurance sales data across the entire US market. She is one of the most cited annuity researchers in the industry.
She is not an advisor. She has no product to sell. She wrote this book because she grew tired of watching consumers make major financial decisions based on misinformation — from both sides of the debate.
It is the most credible third-party explanation of indexed annuities available in plain language — which is exactly why we send it to every person who completes a session with us.
Mailed to you after your session · Free of charge
— Who You're Meeting With
A retired CPA and a retirement advisor — no salespeople, no scripts.
Annuity Education Resource was built on one premise: most retirees deserve honest, independent education before making one of the biggest financial decisions of their lives. Between Eric's deep focus on retirement income planning and Ray's 40 years of CPA practice, they've seen what happens when people make these decisions without the right information.
Ray Brandt
Retired CPA · Retirement Income Specialist
Eric Gaddy
Retirement Income Specialist
Ray spent 40 years as a practicing CPA before retiring. As a Retirement Income Specialist, he brings a tax professional's perspective to the annuity conversation — one that most insurance agents simply don't have.
Eric has spent 33 years specializing in retirement income planning. He works exclusively with pre-retirees and retirees to help them build income strategies that hold up — before they make decisions they can't undo.
— Who You're Meeting With
A retired CPA and a retirement advisor — no salespeople, no scripts.
Annuity Education Resource was built on one premise: most retirees deserve honest, independent education before making one of the biggest financial decisions of their lives. Between Eric's deep focus on retirement income planning and Ray's 40 years of CPA practice, they've seen what happens when people make these decisions without the right information.
Ray Brandt
Retired CPA · Retirement Income Specialist
Ray spent 40 years as a practicing CPA before retiring. As a Retirement Income Specialist, he brings a tax professional's perspective to the annuity conversation — one that most insurance agents simply don't have.