Capitol Landing Wealth provides objective annuity planning for families across Hampton Roads. Annuities can offer stable, guaranteed income in retirement — but they're not right for everyone. As a fee-only fiduciary, Capitol Landing Wealth does not sell annuities or receive commissions. Our role is to provide objective advice, explain how annuities work, and help you compare low-cost, commission-free options when appropriate.
Annuities: A Tool, Not a Sales Pitch
Whether you're considering an annuity or already own one, Capitol Landing Wealth helps you understand how it fits into your broader retirement income plan — alongside investments, Social Security, and required distributions — so you can make informed, confident decisions.
What Annuity Planning Covers
Annuity Evaluation — Not all annuities are created equal. Fixed, variable, and indexed annuities are reviewed to determine if one belongs in your retirement plan — or if better alternatives exist.
Existing Annuity Review — Already own an annuity? Many retirees hold annuities with high fees, surrender charges, or poor performance without realizing it. An objective review reveals whether to keep, exchange, or surrender your contract.
Annuity Rollovers & Exchanges — If a change makes sense, a 1035 exchange allows you to move to a better product without triggering taxes. Capitol Landing Wealth handles the technical details to ensure a smooth transition.
Income Rider Analysis — Guaranteed lifetime income riders sound appealing but come with costs. The guaranteed income is analyzed against the fees to determine if it's justified compared to other income strategies.
Who This Is For
Annuity planning is for you if you've been pitched an annuity and want a second opinion, already own an annuity and aren't sure it's right for you, want guaranteed income in retirement but need unbiased guidance, or simply want a fee-only advisor who will never earn a commission on an annuity sale.
Frequently Asked Questions
Are annuities a good investment for retirement?
It depends entirely on your situation. Annuities can provide guaranteed income, but they often come with high fees, surrender charges, and limited flexibility. A fee-only advisor evaluates whether an annuity truly fits your plan without the bias of earning a commission.
Should I keep or surrender my existing annuity?
That depends on your contract terms, surrender period, fees, and whether the annuity still aligns with your goals. Capitol Landing Wealth provides an objective review so you can make an informed decision.
What is a 1035 exchange?
A 1035 exchange allows you to transfer one annuity to another without triggering a taxable event. This can be useful if you find a product with lower fees or better features than your current contract.
Why does it matter if my advisor earns a commission on annuities?
Commission-based advisors can earn 5-8% of your investment when they sell an annuity. That financial incentive can influence recommendations. A fee-only fiduciary like Capitol Landing Wealth has zero incentive to recommend a product that doesn't serve your best interest.
