Independent Annuity Brokerage
Deferred Annuity Planning for Your Future Retirement Paycheck
Set up income today that starts on the date you choose. Ken Orenstein compares deferred and fixed deferred annuity contracts across many top carriers.
- Independent broker — many top carriers compared, not one
- Tax-deferred growth during the years before you retire
- No-cost first consultation by phone, video or in person
Ken Orenstein: Federal Retirement Consultant, published author, licensed in NJ, NY, MD, VA, DC
Prefer to talk? Call (888) 315-3608
Request your no-cost deferred annuity review
Tell us a little about your situation. Ken Orenstein will follow up to set up a phone, virtual or in-person consultation.
Why work with an independent deferred annuity broker
Many carriers, one comparison
Ken Orenstein is an independent broker. He compares contracts from many top annuity carriers instead of pushing one company's product.
Income you switch on later
A deferred annuity grows during an accumulation phase, then pays income starting on a future date you pick.
Tax-deferred accumulation
Money in a deferred annuity grows tax-deferred until you take withdrawals. We explain how that fits your wider plan.
Riders explained in plain English
Roll-up rates, deferral periods, payout multipliers and joint-life riders reviewed side by side before you decide.
No direct fee to you
There is no direct client fee for annuity brokerage. Ken is paid a commission by the issuing insurance carrier.
Federal retirement know-how
Ken is a Federal Retirement Consultant and author of 'The Informed Fed', so FERS, CSRS and TSP questions are covered too.
What a deferred annuity is and who it suits
A deferred annuity has two phases. During the accumulation phase your money grows tax-deferred. Later, on a date you choose, income payments begin. Both fixed annuities and fixed indexed annuities can be set up as deferred contracts.
Many people place a deferred annuity while still working, then activate income when employment pay stops. Because income rider values can build during the deferral years, the timing of placement matters. Annuities are long-term retirement vehicles, not short-term investments, and contracts may include caps, restrictions, fees and surrender charges. All terms are disclosed in writing before placement.
- Deferred fixed annuities with a set interest rate for the contract term
- Fixed indexed deferred annuities with optional lifetime income riders
- Income rider roll-up structures, including compound and simple-interest versions
- Payout multipliers that vary by the age you turn income on
- Joint-life income riders for married couples
- Deferred income annuities (DIAs), also called longevity annuities
- QLACs held inside an IRA or qualified plan, used in RMD planning
- 1035 exchange review of an annuity you already own
What happens after you request a review
You send the form
Share your timeline and the amount you may want to position. It takes about a minute.
We talk at no cost
Choose phone, video or a meeting at the Flemington, NJ office. Ken listens first, then explains your options.
You see contracts side by side
Ken compares deferral periods, income riders and carrier terms in writing so you can decide with full disclosure.
Frequently asked questions
What does a deferred annuity consultation cost?
The initial consultation is at no cost. There is no direct fee to you for annuity brokerage work. Ken Orenstein is paid a commission by the insurance carrier that issues the contract.
Is there a minimum amount?
Annuity clients typically have at least $250,000 available as a deployable lump sum. If you are below that, the consultation will cover other planning options instead.
How is a deferred annuity different from an immediate annuity?
A deferred annuity grows during an accumulation phase and starts income on a future date you choose. An immediate annuity (SPIA) converts a lump sum into income that begins shortly after purchase, usually within about 30 days.
Can I move an annuity I already own?
Often yes. A 1035 exchange can move an existing annuity into a different contract without triggering tax on accumulated gains. Ken reviews your current contract, its surrender schedule and its riders before recommending anything.
Which carriers do you compare?
Brokerage Consulting is an independent agency representing many top annuity carriers. Existing carrier relationships include Aetna, Humana and TransAmerica, among others.
Do you work outside New Jersey?
Yes. Insurance licensing covers NJ, NY, NC, MD, VA, DC and many other states. Consultations happen by phone, virtually, or in person in Flemington, NJ.
Talk through your deferred annuity options
One conversation, no cost, no obligation. Ken Orenstein will explain how deferred and fixed deferred annuity contracts work, what the riders really mean, and whether one fits your retirement timeline. Call (888) 315-3608 or send the form.
- Independent broker — many top carriers compared, not one
- Tax-deferred growth during the years before you retire
- No-cost first consultation by phone, video or in person
Prefer to talk? Call (888) 315-3608