Independent advisors. Education first.

Our practice is led by Brian Dixon, CFP®, ChFC® and Chris Brown, CRPC®, CEPA®. Between them they have spent decades sitting across the table from families who were handed a brochure full of projections and asked to sign. We started Modern Annuity Guru to do the opposite — explain how these contracts actually work, in plain English, before anyone talks about paperwork.

Because we are independent, we are not tied to a single insurance company or product shelf. That matters when the question is not "which annuity is best" but "does an annuity belong in your plan at all." For plenty of people the honest answer is no, and we would rather say so than sell something that does not fit.

Our focus is the contractual side of an annuity: the guarantees written into the contract, the fees, the surrender schedule, and how the income stream interacts with the rest of your retirement picture. We do not lead with bonuses or hypothetical projections. Any guarantees discussed are subject to the claims-paying ability of the issuing insurance company, and product features vary by state and issuer.

A conversation with us starts with your income gap, not a product. If you want a second opinion on something you have already been shown, that is a perfectly good reason to book a call.