Navigate your financial journey with precision—receive tailored wealth strategies designed to protect your assets while accelerating your path to financial independence.
We provide personalized advice to help our clients reach their financial goals in the short and long term. We know that what matters most to our clients.
We offer Powerful Products with a personal touch.
Making Lifetime Income a Reality...
Transparency, integrity, and trust aren't just buzzwords for us—they're the bedrock principles guiding every client relationship. When navigating retirement planning, we offer three powerful annuity solutions tailored to your unique needs:
Fixed Annuities provide guaranteed rates and predictable growth
Indexed Annuities capture market upside without downside risk
Income Annuities create your personal pension with payments you can never outlive.
I deliver objective guidance grounded in both time-tested wisdom and emerging market insights, ensuring your retirement strategy evolves alongside the changing financial landscape.
Safe and Reliable Retirement Choices are here...
Are annuities good for Your retirement income...and Can you out live it?
How I Help People Solve Financial Challenges with Annuities....Planning Retirement comes with unique financial challenges. Steve and his team understand these issues.
We recommend annuities as a strategic solution to address the most pressing concerns people planning Retirement face.
Our Services
Imagine receiving a dependable income stream that continues flowing regardless of how many birthdays you celebrate.
That's the power of annuities—your financial foundation that transforms savings into predictable payments while shielding your retirement from market volatility and economic uncertainty.
Unwavering Security. Lifetime Reliability. Financial Peace of Mind.
Your Retirement Income, Guaranteed...
Guaranteed Income for Life...Safe and Secure
One of the biggest fears in retirement is outliving your savings.
With an annuity, you can set up a stream of income that lasts as long as you do—no matter how long you live. It’s like creating your own personal pension, ensuring peace of mind and financial stability in your golden years.
Protection from Market Loss...Never Loose When the Market drops.
Unlike stocks or mutual funds, annuities shield your money from market downturns. When the market drops, your savings stay intact.
Some annuities even allow you to participate in market gains without the risk of losing what you’ve already built. It’s financial security with growth potential!
Tax-Deferred Growth
Annuities let your money grow without immediate tax consequences, helping you accumulate more over time. You won’t pay taxes on your gains until you withdraw, meaning your money can compound faster.
This makes annuities a smart tool for retirement planning, allowing you to maximize your savings for the future.
Meet the Team of Annuity Professionals
Neal Sherwood
As a specialized Retirement Income Strategist, I help individuals secure their financial future through carefully selected Fixed Indexed Annuities (FIAs) and Multi-Year Guaranteed Annuities (MYGAs) that protect principal while providing opportunities for growth and guaranteed lifetime income.
I provide personalized consultations to guide clients through understanding these powerful financial vehicles, helping them avoid common retirement planning pitfalls like market volatility, inflation risk, and outliving their savings.
By making complex financial concepts approachable, I empower clients to take control of their retirement planning with solutions that offer safety, growth potential, and the certainty of income that cannot be outlived.
Retirement Fund Strategist
About Us
Experience retirement on your terms with a foundation of unshakable financial security—where your savings transform into predictable income that never runs dry. Our specialized approach shields your nest egg from market downturns while allowing it to flourish, creating a tax-optimized path to the retirement you've earned. Stop wondering "what if" and start planning "when."
Securing your financial twilight years shouldn't feel like solving a complex puzzle. We transform retirement anxiety into confidence by converting your lifetime of savings into an unbreakable income stream that continues as long as you do. While Wall Street gamblers ride the volatility waves, your nest egg grows steadily in our protected harbor—generating predictable returns and tax advantages that traditional advisors rarely discuss.
Unlike conventional retirement strategies that leave you vulnerable to market whims, our approach creates your personal financial fortress—where guaranteed growth meets lifetime income security. We specialize in rescuing forgotten 401(k)s and redirecting them toward your dream retirement—one where "running out" becomes a phrase reserved only for your morning jogs.
Ready to experience retirement planning that prioritizes peace of mind over paperwork? Let's architect your financial future—where security meets prosperity!
Our Mission
We are a trusted financial firm dedicated to helping people retire with confidence by securing guaranteed lifetime income through annuities. Our mission is to provide safe, tax-efficient solutions that protect savings, grow wealth, and eliminate market risk—so you can enjoy financial freedom for life.
Our Philosophy
We believe retirement should be stress-free, not a guessing game.
Our philosophy? Protect your money, grow it safely, and turn it into a lifetime paycheck—without worrying about market crashes or tax surprises.
Smart, simple, and built to last—just like your retirement should be!
Our Promise
Our promise? To keep your retirement safe, simple, and stress-free. No market risks, no hidden fees—just guaranteed income, smart growth, and a plan that actually works for life.
We’ve got your back, so you can enjoy the future you deserve!
Our Guarantee
Our guarantee? Your money is protected, your income is secure, and your retirement is worry-free.
No market crashes wiping out your savings—just safe, steady growth and a lifetime paycheck you can count on.
Frequently Asked Questions
Q:
What is an annuity, and how does it work?
An annuity is a financial product designed to provide a steady stream of income, typically for retirement. You contribute money either as a lump sum or through periodic payments, and in return, the annuity grows tax-deferred. Later, you can receive guaranteed payments for a specific period or for life, depending on the type of annuity you choose.
Q:
Are annuities safe investments?
Annuities, particularly fixed and indexed annuities, are considered safe because they are backed by insurance companies rather than the stock market. Unlike stocks or mutual funds, they protect your principal from market downturns. It’s important to choose a financially strong insurance company to ensure the security of your investment.
Q:
What are the main types of annuities?
There are three main types of annuities:
**Fixed Annuities: Provide a guaranteed interest rate and predictable income.
**Indexed Annuities: Offer growth potential linked to a market index, with downside protection.
**Variable Annuities: Invest in the market, meaning your returns and risks vary with performance.
Q:
Can I access my money if I need it?
Most annuities have a surrender period, during which withdrawals beyond a certain limit may incur fees. However, many annuities offer penalty-free withdrawals of up to 10% per year. Some also include liquidity options for emergencies like illness or long-term care needs. Always check the terms before purchasing.
Get in touch with us today...
Planning for a Secure Retirement? We're Here to Help!
We specialize in Fixed Indexed Annuities and Multi-Year Guaranteed Annuities (MYGAs) that protect your principal, provide lifetime income options, and offer tax-deferred growth potential. Our solutions can also include valuable long-term care benefits to further safeguard your retirement.
Whether you're concerned about market volatility, seeking guaranteed income streams, or wanting to maximize your retirement savings with protection features, our experts are ready to provide personalized guidance.
Contact us today for a free consultation and take the first step toward a worry-free retirement that addresses your specific needs and goals.
352-598-9416
Palmyra, Virginia 22963
Monday - Friday, 8:00 am - 5:00 pm OR by appointment
Markets go up and down, but your retirement shouldn’t.
Lock in financial security with a Safe Stable Annuity—steady growth, lifetime income, zero worries.
I look forward to speaking with you...
© Copyright 2025 Sherwood Financial All rights reserved.