WOULD YOU LIKE THE TRUTH ABOUT ANNUITIES?
FIND OUT WHICH ONE IS RIGHT FOR YOU.
FAIR ANNUITIES
We are independent and have access to virtually all insurance companies. Our favorite solution is the one that fits you and your needs best.
When we meet with you, you will be shown a comparison of the top options, so you know that all the stones have been turned. We have over 20 years of experience in insurance and and have helped clients secure millions of dollars in Fixed Indexed Annuities and other types of Fixed Annuities.
At Fair Annuities, we help individuals take control of their financial future through education and customized retirement solutions. Guided by our dedication to Purpose, Self-Care, and Financial Freedom, we are committed to creating clear pathways for our clients to shape their retirement with confidence. Our mission is to deliver personalized strategies that meet each client's unique needs, providing peace of mind and security for the years ahead.
ANNUITIES
An annuity, often called the "opposite of life insurance," protects against the risk of outliving your financial resources. With an annuity, the insured person receives a stream of income they cannot outlive, offering a stable solution to reduce portfolio risk. Sometimes referred to as a "Bond Alternative," annuities serve as a safe-money strategy. When purchasing an annuity, the buyer allocates a lump sum or periodic payments in exchange for several benefits:
Asset Safety: Protection from future financial losses.
Growth Potential: Opportunities for growth through fixed interest rates or indexed options.
Lifetime Income: A regular stream of income payments starting immediately or at a future date, continuing for the purchaser's lifetime—even if they live past age 100.
TYPE OF ANNUITIES
DEFERRED ANNUITIES
A deferred annuity delays income payments for at least one year after the account is established. It’s typically used for accumulation, allowing the value to grow until the annuitant is ready to transition the funds into income payments or pass them to beneficiaries.
IMMEDIATE ANNUITIES
An immediate annuity is often used to create income starting the moment the money are allocated. The client can pick a lifetime income stream or a lifetime income stream with a minimum number of years of income, 15 years as an example. It can be owned individually or joint.
SPECIALIZED ANNUITIES
FIXED INDEXED ANNUITY (FIA)
Offers interest credits based on the performance of an external index, such as the S&P 500®.
Provides limited growth potential, that has the potential to outperform traditional fixed instruments like CDs, bonds, or fixed annuities in a positive market.
Does not involve direct stock market investment, minimizing risk while offering moderate returns.
FIXED ANNUITY (FA)
Guarantees a minimum interest rate, with additional interest credited based on the insurance company’s performance
Includes Multi-Year Guaranteed Annuities (MYGAs), which lock in rates for multiple years.
Considered a low-risk, low-return option for conservative investors.
MEET THE LICENSED AGENT
Jan Gleisner, CA ins lic # 0D77385, specializes in providing insurance options for pre- and post-retirees, helping to optimize portfolios while optimizing overall risk. Relying solely on high-risk investments can be problematic, as the better options often change rather quickly. Jan works with clients to develop a strategy tailored to their unique circumstances, combining a balanced approach to reducing the impact of major market fluctuations.
This allows clients to eliminate a great amount of the stress a volatile market can cause and get closer to achieving Financial Freedom.
FAQS
What’s included in an Annuity Evaluation phone call?
An Annuity Evaluation is a 30-minute confidential phone conversation with Jan Gleisner, a Licensed Agent and licensed insurance agent that will show you how to reach your retirement goals, protect your assets, and do so with the low cost and risk management in mind. He will answer any questions that you may have, and you won't be pressured to buy anything. Everything is done 100% via Zoom or phone; no one will be coming to your house, and you will not need to drive to our office.
What makes Fair Annuities different?
Mr. Gleisner is a licensed financial professional and an annuity specialist. He is not like many other financial advisors that are classified as “generalists.” A generalist financial advisor typically offers traditional financial planning services and may not have the knowledge to help clients who are retired or approaching retirement. His focus specifically on developing “safe money” annuity strategies to ensure that the clients NEVER run out of money during retirement while helping to protect our client’s nest egg. Of course given that the clients stays within their means based upon the proposed plan.
Will I be pressured to buy anything during my phone call?
No, please! I don't think anyone would like to be pressured into buying anything — and neither should you. I will help you identify the top annuities that are best suited, based on your age and several other factors. I will actually share my screen and show you the process of how to find the better annuity, based upon your criteria. Many of the people that I have helped, end up becoming happy clients; however, you are under no obligation to work with me. The choice is entirely up to you.
Does this service have a cost?
I provide Annuity Evaluations for free. I believe that by helping and showing you the process of finding the better choice, you can decide if an annuity is right for you. If you would like to purchase an annuity through me, the insurance company that provides that annuity, compensates me as commission is built into the contract. My focus is not the commission, but that you get the better solution. I offer an Complimentary Annuity Evaluation phone consultation. I have observed over the years that by using this no pressure approach of educating and helping enough people — many of them will choose to work with me and become happy clients.
How does Fair Annuities get compensated?
My process can help you ensure a comfortable and financially secure retirement based upon you staying within your projected means. If I can add value to you and put more money in your pocket — you may then consider purchasing an annuity through me. The insurance company that offers the annuity that you select will then payout a commission that I am happy to disclosure.
What if I already have a financial advisor?
Many of the clients I have helped have been working with a financial advisor for many years and wanted a second opinion regarding their retirement and financial plan. I have also run into the scenario where a client's financial advisor has focused on stock market investment and didn't carry an insurance license or didn't have the experience or the knowledge to provide the better annuity solution to supplement the stock market investments, keeping an appropriate risk level, and create a level of guaranteed income. I advise clients to get an objective, independent second opinion before making an irreversible decision — that may have devastating consequences during their retirement years.
Get In Touch
Fair Annuities Disclosures
The content presented on this website is for general educational purposes only and is intended for a broad audience. It should not be construed as individualized investment, legal, or tax advice. Individuals should consult their own legal, tax, and financial professionals prior to making any decisions based on this information.
Jan Gleisner is a licensed insurance agent and an investment adviser representative of Hafnia Financial, Inc., a California Registered Investment Adviser. Fixed indexed annuities are offered exclusively through Jan Gleisner in his capacity as a licensed insurance agent, and not through Hafnia Financial, Inc. Investment advisory services are provided solely through Hafnia Financial, Inc.
Fixed indexed annuities are insurance contracts, not securities, and are not direct investments in any market index. They are designed for long-term retirement income purposes and may include limitations such as caps, spreads, or participation rates as defined in the annuity contract. All guarantees and protections associated with annuities are subject to the claims-paying ability of the issuing insurance company. Annuities are not FDIC-insured, NCUA-insured, or guaranteed by any bank or government agency.
The information provided does not constitute an offer or solicitation to buy or sell any specific security or investment strategy. Investments carry risks, including the possible loss of principal. Past performance is not indicative of future results. The advisor believes the information provided is accurate and not misleading, and that the content as a whole does not misrepresent the services, performance, or experience of any clients.
Product availability, terms, features, and benefits may vary by state and are subject to the issuing carrier’s underwriting and contract terms. For complete product disclosures, visit: www.fairannuities.com.
By contacting us, you may be offered information regarding both insurance and investment products. This is a solicitation of insurance. A licensed agent may contact you.
Licensed Insurance Agent: Jan Gleisner.
Licensed to sell insurance in the following states:
California (License #0D77385), Nevada (License #984996), Arizona (License #7458868), Oregon (License #7458868), Missouri (License #413192), Michigan (License #7458868), Virginia (License #1481204).