Does an Annuity Fit Within My Financial Plan?
Overview
Annuities tend to generate strong opinions, for and against, that don't always account for the fact that fit depends entirely on the individual plan. The same product that solves a real problem for one household adds unnecessary cost for another.
Working through the fit methodically, cash flow needs first, then the specific purchase goal, then the tax picture, tends to produce a clearer answer than starting with a specific product.
What this checklist covers
- 1Threshold issues
- 2Cash flow issues
- 3Annuity purchase issues
- 4Tax issues
Common questions
Review the contract with the full checklist
The terms, fees, and guarantees worth checking line by line.
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Sourced from a licensed fpPathfinder checklist. Page copy is original summary content.



