Fixed annuities
A contract with an insurer that grows at a declared rate and can later pay income. Learn how fixed annuities work
Retirement income and life insurance, explained plainly
Planning a funeral is about the end of the story. These conversations are about the long middle: making savings last, turning them into income, and protecting the people who depend on you.
Why women, especially, plan for longer
On average, women in the U.S. live about five years longer than men (CDC, National Center for Health Statistics (opens in a new tab)). A longer life is a blessing, and it also means retirement money may need to last longer, often after a spouse is gone. Janie helps you see what insurance products can and cannot do for that.
Indexed annuities
Interest linked to a market index, limited by a cap or participation rate, with a floor when the index falls. Learn how indexed annuities work
401(k) rollovers
The four choices for a workplace plan when you leave a job, compared fairly. See your rollover options
Whole life insurance
Permanent coverage with level premiums and cash value that builds. Learn how whole life works
How Janie approaches these conversations
- Listen first. California requires agents to understand your finances, goals and needs before recommending an annuity, and to act in your best interest. Janie starts there.
- Show the trade-offs. Every product gives up something to get something. You will hear about surrender periods, fees and taxes, not just the benefits.
- No pressure. You get the contract details in writing and time to read them. If a product does not fit your situation, you will hear that plainly.