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Terry Ciotti, RFC

Licensed Annuity Investigator

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See How a Retired Federal Government Employee Found A Predictable Income Stream, Minimized Market Risk, & Achieved His Dream Retirement Lifestyle

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More About Me

My name is Terry Ciotti, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times.

Despite the current volatility in the market and the low interest rate environment, there are still strategies that you can put in place right now to ensure that you do not run out of income and keep your money securely protected from future market downturns.

While most financial advisors are more than happy to provide you with investment tips and growth opportunities for your portfolio, few financial professionals know how to actually convert your savings into a long-term sustainable income (and protect your money) so that you can spend with confidence when you retire.

I have more than 20 years of experience assisting business owners and professionals with growing and protecting assets – in any type of market environment – along with receiving reliable sources of tax-free income in retirement.

As the co-founder of Artista Investments, my company is able to go out into the financial marketplace and use a wide range of tools for creating custom plans for our clients that are based on their specific needs and objectives. My son is also a financial advisor, and we are able to work together in helping our clients.

In addition to running my practice, I have earned the prestigious Registered Financial Consultant (RFC) designation through the International Association of Registered Financial Consultants (IARFC).

I live and work in Louisville, Kentucky, and my son Kyle has an office in Naples, Florida; I split my time each year between those two locations. But even though our offices are based in these locations, we work with clients throughout the United States. Through our advanced technology systems, not only can we meet “face-to-face” virtually online, but we can also share computer screens so that we are all on the “same page.”

That way, you can see first-hand how various income strategies may work for you and your specific goals.

I do my best to take the mystery out of annuities by answering some of the most commonly asked questions in a simple, personalized way. All of my meetings are conducted over the phone and virtually, which means you do not need to leave your home or have to visit me in my office.

Feel free to reach out if you are looking for retirement planning guidance and annuity recommendations to help you reach your retirement goals.


Terry J. Ciotti, RFC