Objective, Fiduciary Guidance Before Making Permanent Decisions

Annuity review and second opinion services are designed for individuals who currently own an annuity, have been recommended one, or are considering changes and want objective guidance before moving forward.

At Holland Capital Management, we help clients understand how an annuity works, what tradeoffs exist, and how it fits, or doesn’t fit, within their broader financial picture, without product pressure or sales incentives.

This service may be appropriate if you are:

  • Currently holding an annuity and unsure whether it still makes sense
  • Evaluating a proposed annuity recommendation
  • Considering an exchange, surrender, or income election
  • Concerned about fees, complexity, or restrictions

What an Annuity Review Covers

This engagement focuses specifically on understanding and evaluating your annuity, including:

  • Review of the annuity structure, features, and guarantees
  • Analysis of fees, riders, surrender schedules, and limitations
  • Discussion of income mechanics and tradeoffs
  • Evaluation of alternatives available to you
  • Clear planning guidance, not product sales or commissions

 

The objective is clarity and informed decision-making.

Our Fiduciary Approach

Holland Capital Management operates under a fiduciary standard. This means:

  • Advice is provided in your best interest, consistent with our fiduciary obligations
  • Compensation is transparent
  • No proprietary products or annuity sales quotas
  • Planning precedes any implementation discussion

Our role is to explain what you own or are considering, not to sell or replace it.

Who This Is Typically For

Annuity reviews are commonly requested by:

  • Individuals approaching or in retirement
  • Investors holding legacy annuity contracts
  • Individuals offered annuities by brokers or insurance agents
  • Anyone seeking a second opinion before making an irreversible decision

You do not need to purchase, exchange, or cancel an annuity to engage this service.

What the Process Looks Like

  • Introductory conversation to understand your concerns
  • Review of annuity contracts and statements
  • Analysis of costs, features, and implications
  • Discussion outlining considerations and options

There is no obligation to implement any recommendation.

How This Fits Into Broader Planning

Annuity decisions often affect:

  • Retirement income planning
  • Tax efficiency
  • Liquidity and flexibility
  • Estate and beneficiary outcomes

For some individuals, this service is standalone. For others, it becomes part of a broader planning discussion.

Can Holland Capital Management Help You Achieve Your Goals?  Schedule a complimentary, no-obligation second opinion. 

 

Let’s Talk 

Locations Where Annuity Review Services Are Offered

Holland Capital Management provides annuity review and second opinion services to clients in the following cities and regions:

Annuity Review and Second Opinion for Teachers

Annuity Review and Second Opinion for Engineers

Annuity Review and Second Opinion for Federal Employees

Annuity Review and Second Opinion for Pilots

Annuity Review and Second Opinion for Widows

Annuity Review and Second Opinion for Divorced Women

Annuity Review and Second Opinion for Doctors

Getting Started

If you’re considering an annuity review or want a second opinion before taking action, the first step is a brief conversation to determine whether this service is appropriate for your situation.