What We Do
Our Services
Our mission is to empower you to eliminate the fear of running out of money. We do this by providing free, no-obligation consultations that educate you on safe, proven financial strategies designed to turn your assets into reliable lifetime income.
Core Services
Your No-Cost Retirement Consultation
All our consultations, planning, and strategy sessions are provided at no cost to you.
Lifetime Income Needs Analysis
A consultation to identify your income goals, longevity risk, and liquidity needs.
IRA & 401(k) Rollover Strategy
Guidance on securely and tax-efficiently moving pre-tax retirement accounts into safe-money platforms.
Tax-Efficient Wealth Accumulation
Custom plan modeling for tax-deferred growth in annuities and tax-free access via IUL policy loans.
Custom Product Selection
Evaluation of products from multiple top-rated carriers to select the optimal FIA and/or IUL policy.
Our Compensation
Our No-Cost Model Explained
Hidden Path Retirement operates on a commission-based model, which is standard for life insurance and annuity professionals. This means you pay no fees for our consultation, research, or ongoing service.
Book Your Free ConsultationPaid by Insurer
The licensed professional receives a commission directly from the issuing insurance company when a policy is funded.
No Deduction From Premium
Every penny you put into an annuity goes to work for you. The compensation is not taken out of your policy's initial premium.
Full Transparency
We openly discuss all internal policy costs—such as rider fees or IUL administrative charges—so you fully understand the complete picture.
Our Dual Strategy
Built for Income & Tax Efficiency
We combine the power of two index-linked, safe-money vehicles to cover your two biggest financial needs: guaranteed income and tax-free access.
Fixed Indexed Annuity (FIA)
Primary Purpose: Provides a guaranteed check every month for life, regardless of market performance.
Indexed Universal Life (IUL)
Primary Purpose: Provides tax-deferred growth that can be accessed tax-free in retirement, plus a death benefit.
Our Process
Your Path to a Secure Retirement
Our process is clear, comfortable, and custom-designed for your specific life stage and goals.
Start with Step 1 TodayFree Consultation
We discuss your specific situation, identify your financial goals, and understand the challenges keeping you up at night.
Needs Analysis & Design
Your retirement professional analyzes your unique situation and designs a custom, safe-money strategy to help you reach your goals.
Presentation and Q&A
We present your custom retirement income strategy and answer all your questions, providing a clear path to dependable, lifelong income.
Implementation & Security
We help you implement your chosen strategy, securing your money and putting you on the path to your lifetime income stream.
Last Call • Limited Consult Slots
Ready to Retire with Certainty?
Turn savings into a predictable income stream—without the market anxiety. Book your free 30-minute plan review and see exactly how your numbers can work.
Not investment or tax advice. Educational content only; product recommendations are personalized after consultation.