Comprehensive Annuity Research Made Easy
With our technology-driven approach, we make it easy to research, rate, and compare hundreds of annuities from multiple top-rated insurance companies. Our Licensed Annuity Investigators offer you personalized recommendations based on your individual needs. This makes it easier for you to find the highest interest rates and payout rates to achieve your retirement goals.
Our mission
Our mission is to help people achieve financial security, confidence, and peace of mind throughout their entire retirement using the best annuities.

Your retirement happiness is our top priority
Everyone has a different path to their retirement happiness, and we’re here to help you achieve yours.
With our technology-driven approach and honest guidance, we make annuity research personalized and easy. We investigate annuities so you can retire with confidence.

A smarter way to research and purchase annuities
The traditional way annuities are researched and sold is complex, confusing, and outdated. We are dedicated to making the annuity process more effective, easier, and fully transparent.
This means we answer questions in a way you can understand, fully disclose and explain fees, and be upfront about our commissions, so you can feel 100% confident in your annuity choices. The system is set up to benefit the insiders — not you. We set out to change that.

Our goal
Our goal is simple. We want to serve you in a way that makes the annuity research and purchase process simple, transparent, and enjoyable. We accomplish this goal in four ways.
First, we never take a one-size-fits-all approach to your retirement. We take the time to get to know your goals, dreams, needs, and desires. This way we can recommend annuities based on your needs.
Second, we offer honest feedback and advice. We will answer all your questions and give you honest feedback based on your individual goals and needs. Even if it means we determine an annuity isn’t right for you at this time.
Third, we use the latest technology. With our technology-driven approach, we make it easy to research, rate, and compare hundreds of top annuities so you can find the best one for you.
Last, we offer full transparency. We want you to be certain you understand every aspect of your annuity choices. This includes the fees, commissions, and fine print.
If we accomplish our goal, we know it will be easier for you to retire with confidence.
Rated Excellent
Rated 4.9 | Based on 412 Trustpilot reviews
Our Promise
We promise to be honest with you. This may seem like a simple promise, but in an industry full of confusing jargon, fancy brochures, and commissioned salespeople who are not looking out for your best interest, it’s a refreshing change. We don’t take this promise lightly.
We promise to be transparent
You deserve to know how much you should expect in income and benefits from the annuity you’ve chosen. We promise to be transparent about the annuities that we recommend and any of the fees and commissions hidden in the contract. We promise to show you the best deal with the most benefits for you, not just the annuity with the highest commission.
We promise to be of service first
We are not here to push, rush, or “sell” you an annuity. We are here to be of service to you. This means we will take the time to understand your situation and desired outcomes. This means we will promptly answer your questions, explain the details, and make it easier for you to find the best annuity. We are not high-pressure salespeople only looking for a commission. We are here to serve you.
We promise to give honest guidance
All of our Licensed Annuity Investigators are independent. This means they don’t represent only one insurance company. This is important because it allows us to search multiple top-ranked insurance companies to find the best annuity for you. We can offer you honest guidance and unbiased recommendations many advisors can’t provide.
We promise to act in your best interest
We work for you, and we take that responsibility seriously. We promise to never put company incentives or compensation in front of your retirement goals or needs.
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Our Featured Licensed Annuity Investigators
Annuity Gator only works with Licensed Annuity Investigators who are independent, align with our values, and prioritize creating positive client outcomes over everything else. This ensures you will receive a higher level of service, honest advice, and unbiased recommendations personalized to meet your retirement goals.

You're In Control
Purchasing an annuity is an important life decision. This is why we keep you in control of the entire process. From research and recommendations to the final decision, we want you to feel confident and secure that you’re making the best choice for yourself.
We are here to help you by doing the hard work. We are here to give you honest guidance, answer your questions in a way you can understand, and use our expertise to make the process as easy and enjoyable as possible.
We never want you to feel like you are being pushed, rushed, or “sold” an annuity. This is why we keep you in control, so you can go at your own pace and only make a purchase when you are ready. When you’re in control, you have a better chance at a positive outcome.

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From the comfort of your own home
Gone are the days you have to drive across town, sit in a stuffy office, or host a stranger in your home to research and purchase an annuity. Thanks to technology, you can now accomplish your annuity research from the comfort of your own home, office, or even your RV.
All our meetings will be conducted “virtually”, via phone or online meeting (such as Zoom, Google Meetings, etc.). These are all simple and safe platforms to use. This way you never have to leave your home to get questions answered, get recommendations, or start the purchasing process.
Reach your retirement goals
You worked hard to reach this point in your life, now it is time to make it a reality. With our knowledge, guidance, and expertise, we can help you set a path to accomplish and realize your retirement goals.
Our Licensed Annuity Investigators are ready to help you make your dream retirement a reality. We can help ensure you can retire with confidence with the best use of an annuity.


Our process

Neil Dekter was precise and gave his
Neil Dekter was precise and gave his sound assurance that I would be delivered the exact product I was looking for! I am very happy with his service and believe me after dealing with my regional bank M&T this man should be given a medal,I am going to recommend Neil to all of my associates and brothers and sisters of mine and my sister UA local unions!
Very knowledgeable advisor
Very knowledgeable advisor. Opened me to new products that I am able to review.
Annuity Gator helped me when I needed it!
Tony Sebra was able to explain the details of the annuity plan with me in a way that made it clear to me how it would benefit me. He ran my ‘what if’ scenarios and showed me the potential results. It helped me to make this important life decision.
Lance Riddle worked with my wife and I
My wife and I have been working with Lance Riddle the past few months. He has been very responsive and professional. When we had questions and needed help he was quick to reply We felt very comfortable with his suggestions and recommendations. We ended up purchasing 5 different annuities while working with him.
Annuity questions!
Annuity Gator Team is very precise in assisting you with your needs. They take time out and answer all of your question without feeling that you are being pressured.
Thanks
Steve Prce is the best “financial
Steve Prce is the best “financial person” I have ever met. He puts forth much effort and is patient w/ a novice like me. Great to work with him.
Annuity Review
Ryan is very informed with annuity options and was very helpful to me. I am just not ready to retire at this time.
My advisor – Joshua
Worked with Joshua Schlinsky back in Q3 2022, and we did our annual review this year. I found him patient, a good listener and most important, giving me a sense of an advisor who projected a fiduciary perspective towards my situation with knowledge of products towards a modeled solution. AnnuityGator is fortunate to have him as an asset to help folks on some financial planning.
I was delighted and very comfortable
I was delighted and very comfortable working with Barbara Halperin of Annuity Gator. I had no idea there were so many different annuities. Her years of experience and her knowledge were most helpful in explaining the difference between an annuity and what would be a tremendous lifelong annuity for me. I will be forever grateful to Barbara and Annuity Gator. Great people build great companies. Thanks, Barbara!
Robert is very knowledgeable
Robert is very knowledgeable and listebed carefully to my concerns and answered my questions.
Very knowledgeable and solid advice
Very knowledgeable and solid advice. Great to work with. Very helpful.
worth the time
Helpful advice delivered with professionalism.
Worked with Ken Anderson from NJ
Worked with Ken Anderson from NJ. He walked us through the entire process, was very professional and we feel he advised us properly. We committed to an annuity that fit our particular needs, investing a lump sum , choosing to wait 4 years to start our withdrawal and feel the value is acceptable with the investment we made. We would highly recommend Annuity Gator, and especially Ken Anderson.
I had a limited knowledge about
I had a limited knowledge about annuities and wasn’t sure if they were a good fit for my portfolio. I submitted an request to Annuity Gator for more information and was assigned to Barry Young. Over the course of several weeks and through several video conferences Barry exposed me to various companies and took the time to patiently explain pros and cons of each. He never tried to push one company over another but through talking and reading downloaded material I became comfortable with what would be a good fit for me. He also introduced me to Gradient Investments who handle the managed side for investing and between the two we came up with a workable plan for my portfolio that I could be comfortable with. I highly recommend working with Annuity Gator for developing a comprehensive plan that will weather any economic climate.
Bill Decker was very helpful
Bill Decker was very informative and helped me and my wife understand all of our options. With all of the uncertainty in the investing world right now he explained our options in a way that will help us in making the right decisions going forward. I highly recommend Bill for anyone that would want an advisor that they can trust and is great at explaining financial matters in an easy to understand way.
Sean Sparkman was Totally helpful in
Sean Sparkman was Totally helpful in every step of the way, helping me to get set up with the right annuities and any time I have questions or concerns, he has been Right on Top of things to make me feel Totally at ease. Keep up the Good work, Sean!
I had a phone meeting with Joshua
I had a phone meeting with Joshua Schlinsky. He is extremely helpful and knowledgeable on the subject. He was very patient with all my questions about annuities and answered all of them. He is very good at what he does. I have decided to go another direction with my savings but Mr Schlinsky would be someone I would highly recommend to my friends and family. Thank you, Jon Jeffery Tyler
Satisfied Customer Listened well and put me in touch with
Listened well and put me in touch with a great advisor who was able to meet my needs.
Annuity Gator is awesome!
Scott Plamondon has been a dream to work with. He explains everything in super easy terms. I am not very savvy when it comes to insurance, retirement plans, stock market, etc but realized at age 60 that I needed to hone my skills because no one else is going to do that for me. Scott has shown me step by step how to protect my little nest egg from rising taxes and make sure I have a tax free stream of income in my retirement.
I ve worked with Terry for almost three
I ve worked with Terry for almost three years now and consider that s he s done an admirable job. He s answered all my questions and preempted many many more. My wife and I feel quite secure in the fact that the money we ve invested via Terry s recommendations will pay dividends in our retirement. More importantly, we can think about enjoying these next few years prior to retirement than wonder we ve set aside enough for a comfortable retirement. I can wholeheartedly recommend Terry if you re serious about your financial future and want to work with an honest straightforward individual who s interested in your financial success rather than maximizing his own profits.
If you are a novice invester or new to retirement – this is for you
I retired rather sudden in Jan 2024 with no planning or education of retirement finances other than you are not as agressive in retirement. I reached out to a number of people on the internet and this one guy- Sean Sparkman has been outstanding. I have been moving slowly because I have to know and understand the issues. He has shown great patience with me. We have talked weekly for most of 5 months and we have started working the plan.He has never hurryed me or tried to move me ahaed till I was ready. Most other folks gave me a call or two and if I was not ready to sign something, they moved on. He has helped educate me and answers my questionss and just does not tell me what I want to hear. I never belieced I would deal with someone over the internet instead of local, but here I am eating those words =that is how happy and satisfied I am with Sean. This is a top reccommendation to try and get with him. He will help you get to where you WANT to be and in YOUR timing. This guy is not looking for some quick sales commision and run. You will be very glad if you seek him out.
Keeping It Simple
My advisor explained the Annuity I was interested in simple terms. He was patient. I felt I was being educated.Have not made a decision yet after 4 conversations..but that’s ok..this is important to really understand before I lay my money down.
My sincere thanks and appreciation to Joshua Schlinsky.
My sincere thanks and appreciation to Joshua Schlinsky for his patience and understanding as I made changes from my original request in purchasing an annuity. There was absolutely no rush by Josh for me to sign anything until we both knew exactly what I wanted to accomplish. He offered to send me his book, Wealth Compounded, so I would understand who I was putting my trust in. (I admit I was apprehensive in dealing with an Agent in Florida – several states from my residence in Missouri.) We talked on the phone several times. My initial plans drastically changed a few times as I mulled over my investments between our conversations. My final and most important decision was to opt out of my funds invested in the stock market by purchasing a Single Premium Deferred Fixed Annuity – no more worries about the stock market plummeting to 50%. Now my funds will grow with interest added each year, it will only decrease if I withdraw funds. The process was not totally hiccup free as my Stock Brokerage Company had requirements which caused me concern and I leaned heavily on Joshua during those times. I am very comfortable now with my final choice and my Agent, Joshua Schlinsky, who carried me through the entire process.
Mike explained very detailed and thank
Mike explained very detailed and thank you
MANY ANNUITY OPTIONS
i had a very good experience working with Rick Sparkman… I was rather gun shy about attempting to search out another annuity, since my first encounter with annuities was with a financial advisor who knew little about the products and had very limited offerings.. Rick opened the gates to the many types of annuities that Annuity Gator has available.. Although, I thought the evaluation of these annuities difficult.. he made it seamless.. explaining to me which one best serves my needs.. I would recommend Rick to anyone interested in using annuities as another investment tool.
Annuities and investment opprtunities
Jim was very professional and excellent in explaining investment opportunities to a novice such as myself. Very much appreciated.
Excellent explanation in detail the
Excellent explanation in detail the pros and cons of investing in annuities.
I was looking into consolidating
I was looking into consolidating several IRA’s in hopes of lessening the time and effort needed to manage them. I wanted to check into annuities to see if they were right for me and the people at Annuity Gator spent a lot of time and sent me material to help me understand annuities. I believe they presented several products that were quite attractive but at this time I decided to continue my course of action. I will use the information they gave me so that in the future I can confidently choose an annuity from them that fits my needs.
Jeff was a great guy to get information
Jeff was a great guy to get information regarding annuities. He did research for our fafamily
Annuity Gator-Critique
I am new to your program, but the overall-content is really good. Love the case histories & asking for permission with a prospect to tell some personal stories. I would give it a 5-Star except some people are not muted & the volume seems too low to sometimes not hear everything that is being discussed. Love the weekly feedback! Keep it going!
Go Gators!
It was my motto in college. And coincidentally I can still confidently use it in describing my interaction with Annuiy Gator’s Barbara Halperin! I found her to be an amazing advisor encompassing many superlatives. Super knowledgeable. Highly professional. No high pressure tactics. Concerned and individualized attention.In comparison to other financial meetings and dealings, my interaction with Barbara is right up there at the top of the list. I’m deeply grateful for being able to call on such a valuable resource.
Jeff Woodard was methodical and precise
Jeff Woodard was methodical and precise in explaining annuities and how they work. Furthermore, he was diligent in suggesting which annuity would best fit my particular situation. Jeff used education over sales pressure to allow me to make an informed decision. I consider myself fortunate to have contacted Annuity Gator!
James was quite thorough and
James was quite thorough and professional in presentation.
Annuity Annual Performance
Barbara Halperin has been Exceptional revealing with my account.
Excellent Service from Donna.
Donna was there with me every step of the way. She was very thorough about all the products and services available. She made me feel like I made good choices and know she will always be there for information and support.
Helpful, Responsive and Customer Focused
Mike was so responsive and helpful in educating us about annuities and providing us with four possibilities to meet our needs. We definitely recommend him as a CFP. If you re looking for a greater array of products, a licensed broker might be better. Depends on your needs.
I was very pleased to get the insight I
I was very pleased to get the insight I needed from Ryan and appreciate his advice without any pressure whatsoever to purchase through him.
I received excellent service from Mark
I received excellent service from Mark Shelby.
Great info and helpful
Great info and helpful
Found the right solution for our needs
After contacting you, I was put in touch with Wendy Pyne who did an excellent job of helping us find the right annuity for us.
I was extremely impressed
I was extremely impressed with the knowledge and expertise of my advisor. He made me feel confident and secure in allowing him to prepare a retirement plan to exactly suit my needs. He listened to all my concerns and offered excellent advice
Great
Great, he was very good .
Consolation
Very friendly and informative
I was so fortunate to have had Scott
I was so fortunate to have had Scott Plamondon take me as his client. He is so knowledgeable and experienced in all aspects of financial planning not just annuities. He has guided me through an extremely tough situation for which I am eternally grateful.
Annuity gator has educating videos and
Annuity gator has educating videos and articles for you to make decisions with out trying to sell you products, I was paired up with a wonderful money manager to talk with and go over several different plans for my wife and myself. Again no pressure to buy anything. This is a good tool I wish I found it years ago.
David was knowledgeable and forthright
David was knowledgeable and forthright in his suggestions for the best plan for us.
Robert Baltzell was a great help
Robert Baltzell was a great help explaining the type of annuity I had been sold by another agency. He went above and beyond my expectations when contacting Annuity Gator.
Tony help me transfer my 401k to
Tony help me transfer my 401k to annuity. Very much recommended
Jay at Annuity Gator was very helpful
Jay at Annuity Gator was very helpful. There is so much noise regarding annuities that I wanted to do a “gut check” with an independent advisor regarding a couple of different indexed annuities. He was very responsive and easy to speak with. I highly recommend.
Marcus is the best.
I was working with Marcus. He is great at listening to your particular situation, since all potential clients requirements are not the same. He was informative, not pushy, educational, not aggressive. Just the type of representative in which I want to do business. Work with Marcus, you will be happy you did.
From what I can see
From what I can see, your representative is very knowledgeable and that is what a fiancial planner is required to be!
William Seeley was excellent in keeping
William Seeley was excellent in keeping up with the progress of my annuity. We will use him again in the future!
I had a less than good results with a
I had a less than good results with a major insurance company with my retirement funds. It wasn t all their fault due to the bond market going south. But it still cost me a lot of money. I reached out to Annuity Gator to see what they had to offer. I am as skeptical because of what I had heard about annuities in general. Barry Young took me by the hand and never tried to close the deal: He was steady and reassuring from day one. I would suggest to anyone to give Them the opportunity to explain how todays annuities actually work.
Jeff help me a lot and guide me to
Jeff help me a lot and guide me to choose the right annuity plan based of my current status and for my future retirement income.
Brian Greco was just awesome to work
Brian Greco was just awesome to work with. He took his fiduciary responsibility seriously and gained my trust by being patient, clearly explaining all of my options and never pushing to sell me on anything. I really felt Brian listened to my needs and had my best interest at heart in making retirement planning decisions. His follow up, knowledge and customer service were outstanding as well. I highly recommend Brian!!
Very knowledgeable on products
Very knowledgeable on products available.
Training is very good
Training is very good, but you have to put the time in.
Working with Mike K
Working with Mike K. is a breeze. Appoinyments are kept and on time. He is very professional. Answers questions in a way that can be understood by a layman. Will continue to recommend his services. Thanks Mike.
Very knowledgeable people who seem very
Very knowledgeable people who seem very transparent. Take the time to explain complex investment strategies
First contact with Annuity Gator
John Montoya shared information that I did not know. He was also clear and concise in his communication with me. I am currently waiting for him to get back to me with advice to accomplish my goals.
Highly recommend Sean Sparkman
Sean is very knowledgeable on all the annuity products and explained every thing clearly which is easy to understand. He is very patient and is willing to take time answering any questions. He is trustworthy to be your advisor.
Purchase of Annuaity
Thus far, all is going very well and all questions have been answered.
Michael K
Michael K. I exceptional! We appreciate his insight, advice, counsel, and perceptions!
I received great ,knowledgeable
I received great ,knowledgeable information from them.Helped me understand my current Annuity Policies
I say that quickly as many things are
I say that quickly as many things are still in process. However, so far, explanations have been excellent as things are progressing as quickly paper/emails, with responses all take time
Great Experience
I and my wife are both going to be fully retired. Not managing money very well for 64 years of age I need someone that could educated my going into a presentation mode where I don t want to be fully in the stock market in the later years of life. I am so great full that Marco Pallares contacted me to put a plan even be a year away from taking action he took his time explaining the opportunity that we can use. Thanks Marco!!!
I want to express my heart felt gratitude
I want to express my heart felt gratitude for the assistance and guidance that our Annuity Advisor , Neil Dekter, provided my wife and I when converting our IRA in to our current Annuity. My wife and I had experienced a most un-fortunate event related to a portion of our retirement investments and, the company that held our investments made transferring funds challenging. Neil’s Courtesy, Professionalism and Patience helped not only to execute the transfer smoothly but, helped my wife and I keep our sanity through a trying time! Through Neil’s efforts, I rest easy knowing that my wife and I will receive a steady monthly lifetime income. I am sure there are many Annuity Advisors who are experts in the industry and, Neil is not only an expert in Annuities, he is an expert in people and truly cares for his clients! My wife and I feel deeply blessed to have met Neil and had the opportunity to work with him!
Excellent unbiased presentation of
Excellent unbiased presentation of products. Good communications and attention to details.
Helpful & Not Overbearing
Was considering different annuities and thought this site might provide some clarification. Talked with Terry Ciotti who got back to me in a timely manner with some options. He listened carefully about what I wanted as an end result & provided appropriate guidance. Appreciated not having a product forced on me.
I dealt with Cal Menzies who walked me
I dealt with Cal Menzies who walked me through the maze of annuities. He was very knowledgeable, clear, patient and above all I felt he is an honest man worthy of my trust.
Jason Seibert of Annuity Gator annuities provision
The following is an evaluation of my experience with Jason Seibert of Annuity Gator Involving the acquisition of an annuity. My assessment of the services provided by Mr. Seibert is that they were exceptional in all aspects. He was extremely knowledgeable and absolutely professional. Additionally, it was obvious from our initial conversation that his genuine motivation was the provision of appropriate options tailored to the specifics of my rather complicated circumstance. Most impressively, Mr. Seibert did not focus on selling me. He spent the vast majority of our time listening . After careful evaluation he provided several choices tailored specifically to satisfy my requirements. In closing I can say that with Mr. Seibert s assistance I am absolutely confident that I made the right choices.
Very educational
Very educational. Took the time to really learn about our needs and answer questions. Built trust and rapport. James L. Robinson
I had a fantastic phone discussion with
I had a fantastic phone discussion with John. He provided me with a great understanding of how annuities work.
Keeping It Simple
My advisor explained the Annuity I was interested in simple terms. He was patient. I felt I was being educated.Have not made a decision yet after 4 conversations..but that’s ok..this is important to really understand before I lay my money down.
It was very educational. I understand the benefits and the implications of choosing an annuity.
It was very educational.